Financial Protection

Protect your family’s income in the event of a death due to illness or accident with life and Accidental Death and Dismemberment (AD&D) insurance provided by MetLife.

Coverage Provided at No Cost to You

USG provides you with $25,000 in Basic Life Insurance with matching with Accidental Death & Dismemberment (AD&D) coverage at no cost to you. Coverage is guaranteed and no evidence of insurability (EOI) is required.

• How Much Life Insurance Do You Need?

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  Your life insurance needs may change as your life changes — for example, getting married, starting a family or purchasing a home. To help you determine the amount of coverage you may need now, go to  MetLife Life Insurance Calculator to get your estimate. 

• Supplemental Life Insurance and AD&D Coverage

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  For added peace of mind, consider purchasing Supplemental Life Insurance and/or AD&D Insurance for you and your family.

  Supplemental Employee Life with Accidental Death and Dismemberment (AD&D) Life insurance coverage amounts include matching amount of AD&D insurance	Choose 1x, 2x, 3x, 4x, 5x, 6x, 7x or 8x your annual salary, rounded to the next higher $1,000, up to a maximum of $2,500,000. Evidence of Insurability (EOI) is not required if:   As a new hire, you may elect supplemental coverage of up to the lesser of 3x your annual salary or $500,000 within 30 days of your hire date.    During Open Enrollment, you may elect or increase your supplemental coverage by one level, up to 3x your annual salary (not to exceed $500,000). EOI may be required: If you elect coverage after your initial new hire or eligibility window.   If you elect a coverage amount greater than 3x your annual salary or that amount exceeds $500,000.     If you increase your coverage by more than one level during Open Enrollment.
  Spouse Life	Spouse Life is available in $10,000 increments up to a maximum of $500,000. It is not necessary for you to elect Employee Supplemental Life to elect Spouse Life. Spouses are not eligible if they are also eligible for employee coverage. Evidence of Insurability (EOI) is not required if: You elect coverage when you first become eligible (e.g., new hire or marriage) and coverage does not exceed $50,000. EOI is required: You increase your Spouse Life during Open Enrollment or any amount greater than $50,000.
  Child Life All coverage is guaranteed; no EOI required	Child Life is available in increments of $5,000, up to $15,000.   Children are eligible for Child Life from birth to 26 years of age. A child may be covered by only one USG parent.   It is not necessary for you to elect Employee Supplemental Life to elect Child Life.
  Voluntary AD&D Employee Plan Family Plan All coverage is guaranteed; no EOI required	You may elect Voluntary AD&D in $10,000 increments to a maximum of $500,000. Spouse and children: Spouse — You may elect up to 40% of your AD&D amount.   Each child — You may elect up to 10% of your AD&D amount. Spouse and no children: You may elect up to 50% of your AD&D amount. No spouse but children: You may elect up to 15% of your AD&D amount. Maximum coverage: Spouse $250,000; each child $50,000

• Life Insurance Premiums

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  The University System of Georgia provides you with $25,000 basic term life, with matching Accidental Death and Dismemberment (AD&D), at no additional cost to you.  

  However, if you elect any supplemental life insurance plans, premiums are deducted from your pay on a post-tax basis.  

  2024 Monthly Supplemental Life and AD&D Costs

  Age	Cost per $1,000 of coverage per month
  Under 25	$0.057
  25-29	$0.066
  30-34	$0.083
  35-39	$0.091
  40-44	$0.109
  45-49	$0.143
  50-54	$0.212
  55-59	$0.384
  60-64	$0.590
  65-69	$1.175
  70 and over	$2.026

  2024 Monthly Spouse Life Costs

  Age	Cost per $1,000 of coverage per month
  Under 25	$0.043
  25-29	$0.052
  30-34	$0.070
  35-39	$0.079
  40-44	$0.087
  45-49	$0.133
  50-54	$0.205
  55-59	$0.385
  60-64	$0.592
  65-69	$1.140
  70-74	$1.850
  75 and over	$3.001

  2024 Monthly Child Life Costs*

  Coverage amount	Cost per month
  $5,000	$0.50
  $10,000	$1.00
  $15,000	$1.50
  * The rate includes all eligible children covered under the plan.

  2024 Monthly Voluntary AD&D Costs

  Coverage tier	Cost per $1,000 of coverage per month
  Employee only	$0.016
  Employee + family	$0.028

  To help calculate the cost of coverage, please use the MetLife Life Insurance Calculator. Additionally, your rate will automatically calculate within the OneUSG Connect – Benefits enrollment portal.

• How to Enroll

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  As a new hire or newly benefits-eligible employee, you can enroll in life insurance within your first 30 days through the OneUSG Connect - Benefits portal. You may elect coverage up to the guaranteed issue amount without Evidence of Insurability (EOI) during your initial enrollment window.

  If you are a current employee who waived coverage at the time of your initial eligibility, or you elect an amount above the guaranteed issue amount, you will need to complete Evidence of Insurability (EOI).

  Evidence of Insurability is typically a short list of questions about your overall health. Please note, if you are required to complete EOI, your coverage will be capped at the guaranteed issue amount until your EOI is approved.  

• Designate a Beneficiary

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  Your beneficiary is the person(s) who will receive your life insurance benefits when you die. Your beneficiary can be one person or multiple people, charitable institutions, or your estate.  

  If you are enrolling in life insurance for the first time, you will automatically be prompted to designate a beneficiary after making your life insurance elections, in the OneUSG Connect –Benefits portal.

  However, you may also update your beneficiary elections at any time during the year by logging on to OneUSG Connect - Benefits and clicking the Select a Beneficiary tile. It’s important to periodically review and update your beneficiary information because once you select your beneficiary, this designation will remain on file until you make a change. If you do not name a beneficiary, in the OneUSG Connect - Benefits portal, your life insurance benefits will be distributed in accordance with the plan document.  

  Beneficiary elections can be made at any time during the year.  

• Additional Features and Benefits

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  Below are a few features of your USG group life insurance:  

  Waiver of Premium	If you become totally disabled before age 60, your life insurance premiums can be waived for supplemental coverage.
  Accelerated Death Benefit	If you become terminally ill with a life expectancy of 12 months or less, you can request early payment of up to 80% of the life insurance amount, up to a maximum of $1,000,000.
  Continuation of Coverage	If you are no longer eligible for coverage as an active employee, you may be able to:   Continue your Basic, Supplemental and Dependent Term Life coverage without underwriting. Premiums remain the same as when you were an active employee, but you will pay the carrier directly (this portability ends at age 70), or Convert this coverage to an individual life insurance policy. Premiums may be higher than those paid by active employees.

  MetLife Advantages Benefits that are included for all employees with at least group Basic Life insurance are:

  WillsCenter.com	Online will preparation document service.
  Travel Assistance	Travel with confidence. You have access to healthcare, travel and concierge services 24/7 while traveling domestically or internationally.   Contact AXA to coordinate emergency medical and travel assistance services wherever you are in the world.   Learn more about your Travel Assistance benefit.
  Funeral Discount and Planning Services	Access to the largest network of funeral homes and cemeteries to pre-plan with a licensed counselor and receive a discount on funeral services
  Grief Counseling	Provides you and your dependents in-person or telephone sessions with a grief counselor.

   

  MetLife Advantages Benefits that are included if you are enrolled in a supplemental life insurance plan with MetLife are listed below: 

  Will Preparation	Work one-on-one with an attorney, in-person or on the phone, to prepare or update a will, living will or Power of Attorney (POA). Or, if you feel more comfortable, you can complete these documents yourself by using the MetLife Advantage online will preparation services.   This service is available for you and your spouse at no additional cost when you use a MetLife Legal Plans attorney.
  Estate Resolution Services	Executors or administrators may receive legal assistance with probating your and your spouse’s/domestic partner’s estates.   Beneficiaries can also consult an attorney about the probate process.

   

  Click here to learn more about MetLife Advantages.