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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 applies to increases in coverage.
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Group Term Optional Life Coverage Enrollment

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.

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Page Last Edited: Wed Mar 26, 2014 5:41:53 PM

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