Group Life Insurance Information for New Hires

Basic Employee Life Insurance
The University offers Basic group term life insurance to eligible full-time and part-time employees (except “visiting” classifications).  Eligible employees choose one of the following three University-paid Basic Life options:

  • $10,000
  • $50,000
  • Two times base annual salary (up to a maximum of $1,000,000).

Basic Life coverage, up to two times salary, is administered through the University’s flexible benefits program; premiums will be deducted from the employee’s pay on a pre-tax basis and off-set by the University’s contribution (Flex Credit- UDollars). 

Please see the HR-Benefits site for life insurance related information about imputed income, effective dates of coverage, and what happens to your life insurance upon separation from the university.

Optional Life Insurance

As a benefit-eligible new hire, you have a one-time opportunity to purchase certain levels of Optional Life insurance coverage for yourself and/or your dependents without proof of good health.  The Optional term life insurance¹ offers  additional employee options  above  the two times base annual salary (Basic Life) and flexible coverage options for your spouse/civil union spouse and/or child(ren) up to age 26. The premiums for optional employee and spousal life insurance are age-graded, so as an individual's age increases (in five-year increments), the premium will increase. You must enroll within 31 days of your benefits eligibility date. If you miss this opportunity and wish to enroll in the future, a Statement of Health will be required. Premiums for Optional Life insurance will be deducted from an employee’s pay on an after-tax basis.

You can enroll in optional life insurance by completing the enrollment form found in PDF forms on our website.  Please print, complete and return your signed and dated form to MetLife at the address shown.  After your life insurance enrollment is complete and updated in MetLife's records, you can view your coverage level(s) and/or update your beneficiary information through the MetLife portal.

If you have questions about your Optional Life Insurance options, please call MetLife Customer Service at 1 866-492-6983, Monday through Friday from 8: 00 a.m. to 11:00 p.m. Eastern Time.

Beneficiary Designation

Remember to complete a beneficiary designation quickly and securely online by going to MetLife or via paper and mail the completed form to MetLife as instructed on the form.  The University’s plan calls for one beneficiary across all products.  Having your beneficiary designation on file with MetLife for your Group life insurance ensures that benefits are paid in accordance with your wishes.  If there is no beneficiary designation on record with MetLife, life insurance proceeds are paid according to the terms of the Group certificate, which may not correspond with your wishes.  Please note: The beneficiary for dependent coverage will always be the employee.

Life Insurance Options (choose from the following):

Employee
Basic Life
(administered through UD)
$10,000; $50,000; or two times base annual salary
The University contributes pre-tax dollars up to two times base annual salary.

Employee
Optional Life
(administered by MetLife)
One to five times base annual salary, up to a maximum of the lesser of five times salary or $1,500,000
The maximum amount of Optional Life coverage, combined with Basic Life coverage, is $1,500,000.
Spouse / Civil Union Spouse
(administered by MetLife)
$10,000 to $100,000 in $10,000 increments
Children up to age 26
(administered by MetLife)
$5,000 or $10,000
Premiums for Optional Life insurance will be deducted from your pay on an after-tax basis.



¹Employees must complete a Statement of Health form if enrolling for coverage greater than the lesser of five times base annual salary or $500,000.  A Statement of Health will also be required for a spouse/civil union spouse if enrolling for coverage greater than $30,000.  If an employee and spouse/civil union spouse both work at the University, dependent children are not permitted to be insured by both parents, and no one is permitted to be covered as both an employee and as a dependent.