The State Organization Index provides an alphabetical listing of government organizations, including commissions, departments, and bureaus.
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BASIC LIFE INSURANCE (Employees, Retired State Employees and RMTs)
The Commonwealth offers $5,000 of Basic Life Insurance to all active state employees and most retirees who have health coverage through the GIC.
GIC Retired Municipal Teachers (RMTs) are eligible for basic life insurance only in an amount determined by the city or town from which they retire. Survivors, Elderly Governmental Retirees (EGRs), COBRA enrollees, and retirees in the GIC municipal health-only program are not eligible for GIC basic or optional life insurance.
ACCELERATED DEATH BENEFIT (State Employees, Retired State Employees and GIC RMTs Only)
This one-time benefit allows you to elect an advance payment of 25% to 80% of your life insurance death benefit if you have been diagnosed with a terminal illness. Insureds are eligible for this benefit if the attending physician provides satisfactory evidence that you have a life expectancy of 12 months or less. Upon payment of the accelerated death benefit, future life insurance premiums will be waived, regardless of your age. The remaining balance is paid to your beneficiary when you die.
OPTIONAL LIFE INSURANCE (Active Employees and Retired State Employees Only)
Optional Life Insurance is available to provide economic support for your family. This term insurance allows you to increase your coverage up to eight times your annual salary, up to a maximum of $1.5 million. Term insurance pays your designated beneficiary in the event of your death. It is not an investment policy; it has no cash value. This is an enrollee-pay-all benefit.
How Much Do You Need?
To estimate how much Optional Life Insurance you might need, or whether this coverage is right for you, consider such financial factors as:
The Hartford's My Tomorrow Website is an online tool to help you better understand your optional life insurance benefit. It is designed to help you:
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