If you are like most people, you want to make sure that your loved ones are adequately provided for should something happen to you.

Basic Life
The County provides you with group term life insurance equal to your annual adjusted base salary.

Plan Features

Benefits are payable for death from any cause to the beneficiaries you name.

• Beneficiary designations may be updated at any time.

• If death results from accidental injuries, your beneficiary may be eligible to receive Group Accidental Death and Dismemberment Insurance (AD&D) equal to your annual base salary.

• Dismemberment benefits, up to the same amount as your group term basic life coverage, are payable for loss of hand, foot or sight of eye resulting from an accident. See your policy for plan provisions.

• Employee must be actively at work for coverage to start

How to enroll for basic life coverage

During the initial benefits eligibility period, new employees will be automatically enrolled in the County-paid basic life insurance coverage, upon enrolling for health or flex benefits using the online New Hire Benefits Enrollment website. Once you submit the online benefits enrollment, you will then be directed to the Online Beneficiary Designation link to list your beneficiary (ies) and complete the process. Both links are on the County's eNet portal and accessible 24\7 from any computer. You can also change your beneficiaries anytime using the eNet.
If you don't enroll for this benefit during your initial eligibility period, you may apply during Open Enrollment. However, at that time, coverage is subject to medical approval and may be denied. Contact your Departmental Personnel Representative or the Benefits Administration Unit at 305-375-4288 or 305-375-5633 for the required paperwork. You must be actively at work for coverage to be effective.

IAFF plan enrollees who change to a County sponsored medical/dental plan during the open enrollment period must complete a Metlife Life Insurance medical statement to be considered for life insurance. Life insurance is subject to medical approval and may be denied. Basic Life Insurance through the IAFF plan will cease as of the open enrollment effective date.

Group Term Optional Life Insurance
Although the County assumes the full cost for your basic life insurance with Metlife, you may purchase additional life insurance called Optional Life Insurance.

Plan Features

If interested, you should elect coverage at the time you first become eligible for medical, dental, vision and basic life benefits.

• You may apply for coverage up to 5 times your annual adjusted base salary.

• Premiums are age-based and depend on the amount of coverage purchased. Contact your Departmental Personnel Representative or the Benefits Administration Unit at 305-375-4288 or 305-375-5633 for further details.

• You may reduce the level of coverage or cancel coverage at any time. However, if you wish to re-enroll for coverage or increase the coverage level you must submit an application during the annual optional life open enrollment subject to medical approval.

• Life insurance amounts in excess of $50,000 may be taxable and may be included as taxable income on your W-2 form.

• An employee must be actively at work for coverage to begin. This also apllies to increases in coverage.

How to Enroll for Group Term Optional Life Coverage

When first eligible, new employees may apply for optional life coverage using the New Hire Benefits Enrollment link on the a County's eNet portal. Once you submit the online benefits enrollment , you will then be directed to the Online Beneficiary Designation link to complete the process. If you don't enroll during your initial eligibility period, an Optional Life open enrollment is held once a year in early spring.  You may submit an application, but it will be subject to medical approval. You must be actively at work for coverage to be effective.

Other benefits provided by Miami-Dade County
In addition to the group medical, dental and vision plans, Flexible Benefits Plan, Group Legal Services and your Flex Dollars, your benefits package also includes:

• Paid annual and sick leave

• 13 paid holidays

• Membership in the Florida Retirement System (FRS) with retirement, survivor and disability benefits

• Workers' Compensation

• Unemployment Compensation

• Social Security

• Employee Discount Program

• Tuition Refund.

• Death Benefit.