Supplemental Life Insurance

The County provides Basic Life Insurance at no cost to you! 

If you would like additional coverage, you can apply anytime for Supplemental Life Insurance for up to $500,000 for yourself and up to $500,000 for your spouse/domestic partner.

Note: If you apply following a qualifying life event*, you are guaranteed coverage for up to $200,000 for yourself and $50,000 for spouse/domestic partner. For more than this amount, The Standard requires a medical questionnaire and will approve or deny.

How to apply:

• Apply using the Workday Benefits and Pay Hub. Change Benefits> Supplemental Life Enroll/Cancel > use today's date > then make your desired changes and submit!
  • Costs will be deducted post-tax from your paycheck semi-monthly basis.
  • You can apply any time, not just during open enrollment.
  • The minimum coverage amount starts at $30,000.

Detailed information can be found in the:

• Supplemental Life Plan Highlights.pdf
• Document

  Life Insurance Policy - Basic and Supplemental - All Groups (235.15 KB)
• Document

  Evidence of Insurability FAQ (130.97 KB)

Beneficiaries

• Add or change your beneficiaries anytime in Workday using this Quick Resource Guide.
• Also see our Beneficiary Resource Guide for more details on estate planning.

Annual Open Enrollment Increase Opportunity

• For employees with existing supplemental life insurance policies under $200,000 there is a special opportunity during the annual Open Enrollment period.
• You may increase self-paid Supplemental Life Insurance by up to $30,000 (in $10,000 increments) more than what you are enrolled in now, up to a maximum $200,000 total for yourself guaranteed (no medical questionnaire required).
  • NOTE: Employees must have an already existing self-paid policy for this opportunity. Does not apply to new policies, or spouse/domestic partner policies.
  • You can apply for life insurance at any time throughout the year up to $500,000. However, any new enrollments or increases more than those described above require Evidence of Insurability (medical questionnaire - subject to medical underwriting review by the Standard).

*Qualifying Life Events - Guarantee Issue Opportunities:

• You are within your 31-day new hire period;
• Within the last 60 days, you have had a new qualifying life event, such as:
  • a new marriage
  • County or State domestic partner registration
  • having a newly-qualifying domestic partnership as defined by MCPR § 1-10-040
  • you have a new child through birth/adoption/placement

Continuing Your Life Insurance Post-Employment

When you leave County employment you can purchase the same level of life insurance coverage (or a lesser amount) directly from The Standard Insurance Company, at the group insurance rates. The Standard will send you a notice when applicable.