Having basic group term life insurance allows you the opportunity to take advantage of the state's group purchasing power by securing significant amounts of voluntary supplemental life insurance at a competitive rate. You may elect coverage amounts in $10,000 increments up to eight (8) times your basic annual earnings, not to exceed $750,000.
You must be an active designated manager, supervisor, confidential, or specified excluded employee and have state paid basic group life insurance.
Under the "employer contribution" section of your pay warrant/direct deposit advice you will see LIFE INS and a premium amount paid by the state. If you do not see LIFE INS, then you are not enrolled in the Basic Group Term Life Insurance plan. If you feel you should be enrolled, please contact your departmental human resources office.
You can enroll in supplemental life insurance at any time.
If you choose to enroll, your monthly premium will automatically be deducted from your payroll warrant.
In addition to the monthly premium, there is a $0.50 cent administrative fee.
You must contact Metropolitan Life Insurance (MetLife) within 30 days of the effective date of the LOA to make a direct payment or coverage will be cancelled.
If you made direct payments while on a LOA, then premiums will be deducted from regular pay upon return from the LOA. If your coverage was canceled during the LOA, you must contact MetLife to re-apply for coverage.
If you are no longer an eligible employee your coverage will continue unless you contact MetLife to terminate coverage.
Please contact MetLife should you wish to convert your coverage to an individual plan.
If you wish to continue your supplemental life insurance, you must contact MetLife within 30 days of retirement.
CalPERS and departmental beneficiary designations do not apply to life insurance benefits payable under the MetLife plan. Life insurance benefits will be paid according to the standard order of beneficiaries, unless you complete and submit the MetLife Beneficiary Designation form to MetLife. Remember to retain a copy for your records.
You can cancel your supplemental insurance plan at any time by contacting MetLife.
If you purchased $20,000 or more in supplemental life insurance, you can purchase additional life insurance for your spouse or domestic partner and/or dependent children up to age 23.
Flat Monthly Cost of Coverage
Metropolitan Life Insurance (MetLife)Policy number 74503
For information, contact:MetLife Customer Service(800) 252-8524https://www.metlife.com/soc/
Monday – Friday8:00 a.m. – 4:30 p.m. PT(excluding holidays)
CalHR Customer Servicelifeinsurance@calhr.ca.gov
MetLife Supplemental EnrollmentMetLife Beneficiary Designation
Mail forms to:MetLife Recordkeeping CenterP.O. Box 14402Lexington, KY 40512-4402