Optional Life Insurance

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

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 10 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?

If elected, coverage begins on the first of the month following 60 days of employment or two full calendar months, whichever occurs first.

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. UMMS 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/sbc.