The following summary is intended to provide an overview of the life insurance benefits you are eligible for as an employee of the University of Georgia. Employee Benefits holds the plan document for the life insurance program, and if a discrepancy exists between this Web page and the plan document, the plan document takes precedence. For a more complete description of these benefits, please refer to the life insurance Summary Plan Description (SPD).
MetLife administers your life insurance program on behalf of The University of Georgia. To enroll or change your current optional life insurance coverage for you, your spouse, or dependent child, select the link below to log in (returning users) or complete a simple registration process (new users). If you have any questions regarding your life insurance, please contact MetLife Customer Service toll free at 1-866-492-6983 and reference the UGA group life number: 105640.
Basic life insurance and AD&D
All regular employees working one-half time or more in benefit-eligible positions receive basic life insurance coverage of $25,000 at no cost. In the event of an accidental death, twice the total amount of insurance will be paid. In the event of dismemberment, protection is provided in the form of payment of varying amounts according to a specific schedule. See the summary plan document for details.
Optional life insurance
You may purchase optional insurance in multiples of one to five times your annual contract salary (rounded to the next higher multiple of one thousand). However, coverage in excess of 3 times your salary requires that you provide medical evidence of insurability to MetLife. The cost of this coverage is determined by your age. If you do not elect coverage when you are first eligible, you may obtain coverage at any time by providing Medical Evidence of Insurability. AD&D coverage in an amount equal to your optional life benefit is also included.
Optional spouse life insurance
An employee may cover his/her spouse the lesser of $250,000 or 100% of the the employee's basic and optional life benefits combined, rounded down to the nearest $10,000 increment. If you haven’t elected optional life coverage for yourself, you may still purchase coverage for your spouse up to $20,000. You are required to submit medical evidence of insurability on your spouse for any amount that exceeds $50,000. If you do not elect coverage when you are first eligible, you may obtain coverage at any time by providing medical evidence of insurability. AD&D coverage in an amount equal to the spouse life benefit is also included.
Optional dependent child life insurance
The optional child(ren) life insurance coverage provides $2,000 of coverage for children 15 days to 6 months of age, and $10,000 for all children 6 months of age or older. The cost of this coverage is $1.30 per month regardless of the number of children covered. However, during your first 31 days of employment, the entire amount you may elect for your dependent children is guaranteed issue; no Statement of Health is required. If you do not elect coverage when you are first eligible, you may obtain coverage at any time by submitting Medical Evidence of Insurability. (There is no AD&D coverage for children.)
