Life Insurance

The university provides a basic level of life insurance coverage at no cost to faculty and staff, with the option to add more coverage for yourself or your dependents.  

Retired university faculty and staff who were participating in the University Plan on the date of their retirement are eligible for Retiree Group Term Life Insurance.

All plans are administered by MetLife.

Your Beneficiary

When you elect life insurance coverage for the first time (including automatic enrollment into the University Plan), you must designate a beneficiary with MetLife online or by completing and submitting the beneficiary designation form.

You may choose any beneficiary you wish, such as a family member, a friend, a trust, or an organization. You can name a single beneficiary or you can name two or more joint beneficiaries to receive the insurance payment. You may change your beneficiary at any time.  If you do not designate a beneficiary, or if none of the beneficiaries you name survives you, death benefits will be paid to your survivors/estate in the following order: spouse/OQA, children, parents, siblings, estate.

If you enroll in the plan and you change the amount of your coverage at a future date, the beneficiary you designate now will remain your beneficiary until you make a change online or complete and submit a beneficiary designation form.

Eligibility

The following groups are eligible for the University, Optional, and Dependent Plans:

  • Faculty and staff who have at least a 50% appointment and have departmental funding for a minimum of four continuous months.
  • Staff who are members of MNA, POAM, Trades, HOA, IUOE, and AFSCME.
  • Graduate Student Instructors (GSIs) and Graduate Student Staff Assistants (GSSAs) who have at least a 25% appointment and funding for a minimum of four continuous months during fall and winter terms, or for two continuous months during spring or summer terms.
  • Graduate Student Research Assistants (GSRAs) who have at least a 25% appointment and funding for a minimum of four continuous months in any term.
  • Research Fellows and Postdoctoral Scholars who have University funding and an appointment greater than 0% for a minimum of four continuous months.

Temporary hourly wage staff are not eligible.

Plan Notes

  • If your salary results in your coverage increasing above $500,000, you are capped at a flat $500,000 until you provide a health statement to MetLife.
  • Both the University Plan and the Optional Plan have a "Living Needs Benefits" option—or accelerated payment of death benefits—which is an advance payment of life insurance proceeds when you are terminally ill and have a life expectancy of six months or less.
  • These term plans have neither cash value nor provisions for loans.  You must be enrolled when you die in order for your beneficiaries to receive benefits.

For More Information

Refer to the University Group Term Life Insurance Plans book for complete information.

Contact MetLife

(800) 523-2894

Register to use the MetLife MyBenefits website.