Optional Life Insurance

Optional Life Insurance (including Accidental Death & Dismemberment (AD&D)) is offered to you as a voluntary benefit through MetLife. The cost is based on your age, salary and the amount of insurance coverage you elect.

In addition, you are also provided with $5,000 of basic life insurance with your health insurance plan through the Group Insurance Commission (GIC).

To access optional life insurance plan information, click the Benefit Summaries button below (or on the top navigation bar):

To access optional life insurance forms, click the Benefit Forms button below (or on the top navigation bar):

Enrollment Information

You may enroll in this plan as a new hire during your first 21 calendar days of employment without having to provide evidence of medical insurability. If you choose to enroll at a later date, you must provide evidence of medical insurability.

When does coverage begin?

The GIC will determine the effective date of coverage if MetLife approves your application.  

In the event that there is any inconsistency between this summary and any legal printed documents, including all plan provider legal documents, the legal documents govern. The benefit information provided is a summary of what we cover and what you pay. It does not list every service that we cover or list every limitation or exclusion. UMass Chan benefits, premiums, deductibles, and/or copayments/coinsurance may change at any time without notice. To get a complete list of services we cover, please call the health plan. Copies of plan summaries and the GIC Benefits Decision Guide are available in the Benefits Department or from the vendor(s). Also, copies of each health plan provider benefit summary are available at http://www.mass.gov/gic/.