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Life Insurance

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.

  • Supplemental Life Insurance and AD&D Coverage

    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

    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.  

    2021 Monthly Supplemental Life and AD&D Costs

    AgeCost 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

    2021 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

    2021 Monthly Child Life Costs*

    Coverage amountCost per month
    $5,000$0.50
    $10,000$1
    $15,000$1.50
    * The rate includes all eligible children covered under the plan.  

    2021 Monthly Voluntary AD&D Costs

    Coverage tierCost 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 calculator. Additionally, your rate will automatically calculate within the OneUSG Connect – Benefits enrollment portal.

  • How to Enroll

    As a new hire or newly benefits eligible employee, you can enroll in life insurance at any time 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 shortlist 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 and premium deductions will not begin until your EOI is approved.  

  • Designate a Beneficiary

    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, your life insurance benefits will be distributed in accordance with the policy.  

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

  • Additional Features and Benefits

    In addition to paying a benefit in the event of your death, the USG supplemental group life insurance plan offers other important features:  

    Waiver of PremiumIf you become totally disabled before age 60, your life insurance premiums can be waived.
    Accelerated Death BenefitIf 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. 
    Grief CounselingProvides you and your dependents in-person or telephone sessions with a grief counselor.
    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.

     

    If you are enrolled in a supplemental life insurance plan with MetLife, you also receive these additional benefits. To learn more access MyBenefits

    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

     

    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.  

     

    Funeral Discount and Planning ServicesPre-plan customized funeral arrangements with a counselor and receive discounts on funeral services. 
    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.

    Digital Legacy

    MetLife Infinity securely stores deeds, wills, executor instructions, audio files, photos, videos and more.  

    You can designate individuals to receive your collection electronically in the event of your death or at another time you indicate. 

Need to File a Life Insurance Claim?

Please call the OneUSG Connect - Benefits Call Center at 1-844-587-4236. Representatives are available Monday–Friday from 8 a.m. to 5 p.m. ET.

You will need the deceased person’s full name, Social Security number, date of birth and date of death. MetLife will send a death benefit application to the beneficiary on record in approximately 7-10 business days. After MetLife receives the completed application, the claim should be paid to the beneficiary through a tax-free death benefit in approximately five business days.