Supplemental Life Insurance

Employees may purchase supplemental life insurance for themselves and/or spouses/domestic partners.

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Supplemental Life Insurance

Note: The County provides Basic Life Insurance to benefit-eligible employees 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! Submissions outside of a guarantee issue period will also require completion of a medical form, which will be emailed to you directly by The Standard.
    • Costs will be deducted post-tax from your paycheck on a semi-monthly basis.
    • You can apply any time, not just during open enrollment.
    • The minimum coverage amount starts at $30,000.
Supplemental Life Insurance Coverage Monthly Rates
Age BracketRate per $10,000 for Employee & Spouse/DP
To 29$0.60
30 to 34$0.80
35 to 39$0.90
40 to 44$1.00
45 to 49$1.70
50 to 54$2.90
55 to 59$4.70
60 to 64$7.60
65 to 69$12.70
70 +$7.60
Your rate will increase when you move to the next age bracket as of July 1st. There is a reduction in coverage after you turn 70. See the plan document for full details. 

Additional Information

Beneficiaries

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. This is referred to as "porting" your coverage. After your employment ends, The Standard will mail you a notice if applicable.

Last reviewed July 10, 2025