Life Insurance

Financial Protection

Protect your family’s income in the event of a death due to illness or accident with life and Accidental Death and Dismemberment (AD&D) insurance provided by MetLife.

Coverage Provided at No Cost to You

USG provides you with $25,000 in Basic Life Insurance with matching with Accidental Death & Dismemberment (AD&D) coverage at no cost to you. Coverage is guaranteed and no evidence of insurability (EOI) is required.

Your life insurance needs may change as your life changes — for example, getting married, starting a family or purchasing a home. To help you determine the amount of coverage you may need now, go to  MetLife Life Insurance Calculator to get your estimate. 

For added peace of mind, consider purchasing Supplemental Life Insurance and/or AD&D Insurance for you and your family.

Supplemental Employee Life with Accidental Death and Dismemberment (AD&D)

Life insurance coverage amounts include matching amount of AD&D insurance

Choose 1x, 2x, 3x, 4x, 5x, 6x, 7x or 8x your annual salary, rounded to the next higher $1,000, up to a maximum of $2,500,000.

Evidence of Insurability (EOI) is not required if:  

EOI may be required:

Spouse Life is available in $10,000 increments up to a maximum of $500,000. It is not necessary for you to elect Employee Supplemental Life to elect Spouse Life. Spouses are not eligible if they are also eligible for employee coverage.

Evidence of Insurability (EOI) is not required if:

You elect coverage when you first become eligible (e.g., new hire or marriage) and coverage does not exceed $50,000.

EOI is required:

You increase your Spouse Life during Open Enrollment or any amount greater than $50,000.  

Child Life

All coverage is guaranteed; no EOI required

Voluntary AD&D Employee Plan Family Plan

All coverage is guaranteed; no EOI required

You may elect Voluntary AD&D in $10,000 increments to a maximum of $500,000.

Spouse and children:

Spouse and no children:

You may elect up to 50% of your AD&D amount.

No spouse but children:

You may elect up to 15% of your AD&D amount.

Maximum coverage: Spouse $250,000; each child $50,000

The University System of Georgia provides you with $25,000 basic term life, with matching Accidental Death and Dismemberment (AD&D), at no additional cost to you.  

However, if you elect any supplemental life insurance plans, premiums are deducted from your pay on a post-tax basis.  

2024 Monthly Supplemental Life and AD&D Costs

2024 Monthly Spouse Life Costs

2024 Monthly Child Life Costs*

2024 Monthly Voluntary AD&D Costs

To help calculate the cost of coverage, please use the MetLife Life Insurance Calculator . Additionally, your rate will automatically calculate within the OneUSG Connect – Benefits enrollment portal.

As a new hire or newly benefits-eligible employee, you can enroll in life insurance within your first 30 days through the OneUSG Connect - Benefits portal. You may elect coverage up to the guaranteed issue amount without Evidence of Insurability (EOI) during your initial enrollment window.

If you are a current employee who waived coverage at the time of your initial eligibility, or you elect an amount above the guaranteed issue amount, you will need to complete Evidence of Insurability (EOI).

Evidence of Insurability is typically a short list of questions about your overall health. Please note, if you are required to complete EOI, your coverage will be capped at the guaranteed issue amount until your EOI is approved.  

Your beneficiary is the person(s) who will receive your life insurance benefits when you die. Your beneficiary can be one person or multiple people, charitable institutions, or your estate.  

If you are enrolling in life insurance for the first time, you will automatically be prompted to designate a beneficiary after making your life insurance elections, in the OneUSG Connect –Benefits portal.

However, you may also update your beneficiary elections at any time during the year by logging on to OneUSG Connect - Benefits and clicking the Select a Beneficiary tile. It’s important to periodically review and update your beneficiary information because once you select your beneficiary, this designation will remain on file until you make a change. If you do not name a beneficiary, in the OneUSG Connect - Benefits portal, your life insurance benefits will be distributed in accordance with the plan document.  

Beneficiary elections can be made at any time during the year.  

Below are a few features of your USG group life insurance:  

If you are no longer eligible for coverage as an active employee, you may be able to:  

MetLife Advantages Benefits that are included for all employees with at least group Basic Life insurance are:

Travel with confidence. You have access to healthcare, travel and concierge services 24/7 while traveling domestically or internationally.  

Contact AXA to coordinate emergency medical and travel assistance services wherever you are in the world.  

Learn more about your Travel Assistance benefit. 

MetLife Advantages Benefits that are included if you are enrolled in a supplemental life insurance plan with MetLife are listed below: 

Work one-on-one with an attorney, in-person or on the phone, to prepare or update a will, living will or Power of Attorney (POA). Or, if you feel more comfortable, you can complete these documents yourself by using the MetLife Advantage online will preparation services.  

This service is available for you and your spouse at no additional cost when you use a MetLife Legal Plans attorney.  

Executors or administrators may receive legal assistance with probating your and your spouse’s/domestic partner’s estates.  

Beneficiaries can also consult an attorney about the probate process.

Click here to learn more about MetLife Advantages. 

Need to File a Life Insurance Claim?

Please call the OneUSG Connect - Benefits Call Center at 1-844-587-4236. Representatives are available Monday–Friday from 8 a.m. to 5 p.m. ET.

You will need the deceased person’s full name, Social Security number, date of birth and date of death. MetLife will send a death benefit application to the beneficiary on record in approximately 7-10 business days. After MetLife receives the completed application, the claim should be paid to the beneficiary through a tax-free death benefit in approximately five business days.  

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