Depending on when you enroll in life insurance and the amount of coverage, you may be required to submit a health statement as proof of your insurability. Your coverage becomes effective when the health statement is approved, the Benefits Office has been notified, and you are actively at work. You need only submit a health statement for your initial enrollment. You do not need to resubmit a health statement for continuation of coverage.
Life Insurance Coverage for You
If you enroll in life insurance within 30 days of the date you become eligible and choose less than $500,000 of coverage, you will not need to provide a satisfactory health statement as proof of insurability. Therefore, it is to your advantage to enroll in life insurance at the time you become eligible, either when you are a new faculty or staff member at the university or when you become newly eligible for this benefit as the result of a change in appointment.
In all other cases, you will need a health statement as proof of your insurability that is satisfactory to MetLife. MetLife may also require a physical examination.
Life Insurance Coverage for Your Dependents
Your spouse or other qualified adult will need to provide a satisfactory a health statement as proof of insurability in order to enroll in the Dependent Plan.
Dependent children do not need to submit a health statement.
Short Form or Long Form?
A short form health statement is required if:
- You elect the University Plan and you were not automatically enrolled as a new hire (hire date after January 1, 2001) and have not previously enrolled in the University Plan
- You enroll in or increase your Optional Plan coverage outside of the 30-day window for new hires/new eligibility (up to $500,000)
- You elect Dependent Plan coverage for your spouse/OQA in the amount of $10,000 or $25,000
A long form health statement is required if:
- You elect Optional Plan coverage above $500,000
- You elect Dependent Plan coverage for your spouse/OQA in the amount of $50,000
A long form health statement may also be required if you (or your dependent spouse/OQA) do not successfully pass the short form.