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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. Eligible employees can go online to                     

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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Annual Optional Life Enrollment Q & A’s

When is the Annual Optional Life Enrollment?
April 2019.                                 

How do I apply?
Eligible employees can go online to

What happens if you answer “YES” to the 5 medical questions?
The employee will be directed to a SOH (Statement of Health) tab.  This will allow the employee to actually complete and submit the SOH on-line.  If the employee is uncomfortable in doing this, then the employee has the option of printing the form, completing it, and mailing it back to MetLife.  The employee can also print a copy of the SOH form.Adobe Reader If the employee does not complete and return the SOH within 30 days after the close of the Open Enrollment, their election will not be approved.  MetLife will NOT send any reminder notices.  If the employee began the SOH process on line, but did not finish, the website access will be available for 30 days after the close of the OE (April 14th ). Only the SOH portion of the enrollment will be available to complete.

Can I go back and change my election?
Yes. As long as changes are made online during Open Enrollment period (April 2 – April 13), the employee can always go back into the system and change their election.

Can I cancel my optional life coverage on the MetLife website?
No. The employee can cancel or decrease their level of coverage at any time during the year.  It is required that the employee submit their signed request in writing to their Department Personnel Representative.  Changes will be reflected in the pay period after receipt of the request.

How do I know if I’m approved\declined?
The employee application is subject to Medical review and approval by MetLife based upon its underwriting rules. MetLife sends notification to the employee.

How can I designate a beneficiary?
If it is the first time the employee is electing coverage, they must go to eNet, and go on-line to the On-Line Beneficiary Designation link to designate their beneficiaries for Optional Life.  The employee can also revise or change their Basic Life beneficiary designation at the same time.  The employee should be able to use their same ID and password used during the annual Open Enrollment in October/November. If not, the employee will have to reset their password again by calling the HELP Desk at 305-596-4357.

How much will it cost?
To calculate the bi-weekly costs, the employee can go to the Benefits website. Click on the "Optional Life" button, enter your employee I.D., your birth month and day, then click the “Submit” button.

To learn more about the benefits offered through Metlife, check out this fun and interactive guideAdobe Reader.

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If you cannot view PDF PDF files, you can download Acrobat Reader  for free from Adobe Systems, Inc. In order to use PDF files, you must have Acrobat installed on your computer.

Page Last Edited: Fri May 25, 2018 3:48:26 PM

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