This page, Life Insurance and Accidental Death & Dismemberment (AD&D), is part of
This page, Life Insurance and Accidental Death & Dismemberment (AD&D), is offered by

Life Insurance and Accidental Death & Dismemberment (AD&D)

Insured by MetLife, Life and AD&D insurance help provide for your beneficiary’s well-being in the event of a serious accident or death. This benefit is paid to your designated beneficiary(ies).
  • Basic Life Insurance: The Commonwealth offers $5,000 of Basic Life Insurance.
  • Optional Life Insurance: You may buy additional coverage of up to eight times your annual salary, to a maximum benefit of $1.5 million. You pay the full cost of this benefit.

This is term insurance, which means that it is in effect for as long as you are eligible for coverage through your employment, and premium rates increase as you age. It has no cash value. Benefits are paid to your beneficiary(ies), so it is important to keep your beneficiary designation up to date.

Table of Contents

Optional Life Insurance

You must be enrolled in basic life insurance in order to be eligible for optional life insurance.

  • New State Employees: You may enroll in optional life insurance within 10 days of employment without providing evidence of good health.
  • Current Employees During the Year: State employees actively at work may apply for the first time or apply to increase their coverage at any time during the year. After you apply, you will receive instructions for completing a personal health application for MetLife’s review and approval. The GIC will determine the effective date if MetLife approves your application.

Current Employees with a Qualified Family Status Change

If you experience a qualified family status change during the year, you may enroll in or increase your optional life insurance amount without providing proof of good health. You must provide the GIC with proof of your status change within 60 days. Total optional life insurance coverage is limited to up to four times your salary.

Optional Life Insurance Non-Smoker Benefit

At initial enrollment or during Annual Enrollment, if you have been tobacco-free, you are eligible for reduced non-smoker optional life insurance rates. Tobacco-free means you have not smoked cigarettes, cigars or a pipe, used snuff or chewing tobacco or any nicotine delivery system for the previous 12 months. You will be required to periodically recertify your non-smoking status in order to qualify for the lower rates. Changes in smoking status made during Annual Enrollment take effect effective July 1, 2021.

Optional Life Insurance Rates (including AD&D)

MONTHLY GIC PLAN RATES EFFECTIVE JULY 1, 2021

Per $1,000 of Coverage

ACTIVE EMPLOYEE AGE

NON-SMOKER RATE

SMOKER RATE

Under Age 35 $0.04 $0.10
35-44 $0.05 $0.12
45-49 $0.06 $0.19
50-54 $0.13 $0.31
55-59 $0.20 $0.49
60-64 $0.29 $0.73
65-79 $0.67 $1.37
70 and over $1.13 $2.49

 

RETIRED STATE EMPLOYEE AGE

RETIREE SMOKER RATE

RETIREE NON-SMOKER RATE

Under Age 70 $1.62 $1.29
70-74 $2.83 $2.17
75-79 $7.72 $5.90
80-84 $14.63 $11.16
85-89 $23.17 $17.69
90-94 $32.22 $26.89
95-99 $72.57 $58.72
100 and over $139.14 $112.59

 

Additional Resources

Contact

Phone

Main Phone (617) 727-2310

M-F 8:45 a.m.-5 p.m.

TDD/TTY 711

Fax

Operations (617) 227-2681
Executive (617) 227-5181
Fiscal (617) 367-9874

Address

Street Address
John W. McCormack Building, 1 Ashburton Place
Suite 1619
Boston, MA 02108
Enrollment Form and Member Correspondence Mailing Address
PO Box 556
Randolph, MA 02368
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