Supplemental Life Insurance
All benefit-eligible employees are enrolled in County-paid Basic Life Insurance.
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. The Standard requires a medical questionnaire and applications will go through the underwriting process before being approved or denied.
However, 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, underwriting is required.
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.
- You can also cancel or lower your coverage at any time.
- The minimum coverage amount starts at $30,000.
| Supplemental Life Insurance Coverage Monthly Rates | |
|---|---|
| Age Bracket | Rate 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
- 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 existing self-paid Supplemental Life Insurance by up to $30,000 (in $10,000 increments) more than what you are enrolled in, until you reach the maximum cap of $200,000 in total coverage 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
- Divorce or dissolution of domestic partnership
- FTE change from full-time to part-time by you or your spouse or domestic partner
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.