Supplemental Life Insurance
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.
Eligibility
You must be an active designated manager, supervisor, confidential, or specified excluded employee and have state paid basic group life insurance.
How to Know if you are Enrolled in the State Paid Basic Group Term Life Insurance Plan
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 personnel office.
Enrollment
You can enroll in supplemental life insurance at any time.
Table of supplemental life insurance age and monthly premiums.
Under 25
25 to 29
30 to 34
35 to 39
40 to 44
45 to 49
50 to 54
55 to 59
60 to 64
65 to 69
70 to 74
75 and Older | $0.60
$0.64
$0.78
$0.85
$1.05
$1.50
$2.22
$4.02
$6.09
$11.58
$18.69
$20.75 |
If you choose to enroll, your monthly premium will automatically be deducted from your payroll warrant.
Administration Fee
In addition to the monthly premium, there is a $0.50 administrative fee.
Leave of Absence (LOA)
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.
Return from Leave of Absence
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.
Loss of Eligibility
If you are no longer an eligible employee your coverage will continue unless you contact MetLife to terminate coverage.
Separation from State Employment
Please contact MetLife should you wish to convert your coverage to an individual plan.
Retirement
If you wish to continue your supplemental life insurance, you must contact MetLife within 30 days of retirement.
Beneficiary
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.
Cancellation
You can cancel your supplemental insurance plan at any time by contacting MetLife.
Additional Life Insurance – Dependent Coverage
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.
Cost for Dependent Life Insurance:
Flat Monthly Cost of Coverage
Flat Monthly Cost of Coverage
| $7,500 | $7,500 | $1.85 | $7.25 |
| $15,000 | $7,500 | $3.71 | $14.51 |
| $25,000 | $7,500 | $6.18 | $24.18 |
| $50,000 | $7,500 | $12.35 | $48.35 |
Insurance Carrier
Metropolitan Life Insurance (MetLife)
Policy number 74503
For information, contact:
MetLife Customer Service
(800) 252-8524
https://www.metlife.com/soc/
Monday – Friday
8:00 a.m. – 4:30 p.m. PT
(excluding holidays)
CalHR Customer Service
lifeinsurance@calhr.ca.gov
Forms
MetLife Supplemental Enrollment
MetLife Beneficiary Designation
Mail forms to:
MetLife Recordkeeping Center
P.O. Box 14402
Lexington, KY 40512-4402
