Participants in the UCC LIDI Plan may purchase additional life insurance coverage for themselves and their eligible dependents.
You may request additional life insurance coverage of $10,000 within your initial 90 days of eligibility without a review of health. If you request any amount over $10,000, or apply for any increased benefit outside your initial 90 days of eligibility, you must submit a completed Statement of Health along with the enrollment form and Metlife Change form.
The minimum additional life insurance coverage you may request is $10,000. The maximum coverage is the lesser of three (3) times your annual salary basis, or $100,000, available in increments of $10,000. In determining the maximum, your basic life insurance coverage provided under this Plan is not counted. For cost information click here.
If you are covered under the basic LIDI Plan, you may request additional life insurance coverage for your spouse/partner. Spouses/partners of active members covered under the basic Plan are covered by a death benefit of $5,000. You may purchase an additional $10,000 or $25,000 of coverage for your spouse/partner. Click here for the enrollment form and MetLife Change form.
An employee participating in the basic LIDI Plan may purchase $5,000 or $10,000 coverage for dependent child(ren). Click here for the enrollment form and MetLife Change form.
If you are within your first 90 days of eligibility for the Plan, you may apply for $10,000 of additional coverage for your spouse/partner without a review of health unless your spouse/partner has been hospitalized in the past 90 days. If you are applying for $25,000 of coverage for your spouse/partner, the completed Statement of Health form will be required along with the enrollment form and MetLife Change form.
You may apply for additional coverage for your dependent child(ren) within your initial 90 days of eligibility without a review of health unless your dependent(s) has been hospitalized in the past 90 days. If a hospitalization has taken place, a completed Statement of Health will be required along with the enrollment form and MetLife Change form.
You may also enroll within 90 days of your marriage, birth, adoption, or legal placement of child in your care without a health review, up to $10,000. Any amount requested over $10,000 (regardless of when you apply) will require a completed Statement of Health along with the enrollment form and MetLife Change form.
You may apply for coverage for your domestic partner within 90 days of the six-month period following the commencement of your domestic partnership or civil union (whichever is the earliest), up to $10,000, without a health review. Any amount over $10,000, regardless of when you apply, will require a completed Statement of Health along with the enrollment form and MetLife Change form.
The spouse/domestic partner of an employee participating in the LIDI Plan is covered by a benefit of $5,000 (with no coverage for dependent child(ren) at no additional cost beyond the standard monthly premium. You may add significantly to this coverage by purchasing either an additional $10,000 or $25,000 of coverage for your spouse/partner and either $5,000 or $10,000 of additional coverage for your dependent(s). Click here for the Plan Highlights booklet. Click here for rate information.
Additional/optional life insurance coverage will end when you cease to be a member of the Plan, when premiums are no longer paid, if the contract with MetLife is cancelled, or this Plan is terminated. If your employment ends, you will no longer be eligible to continue this coverage through the Pension Boards. You do, however, have the option of converting it to an individual policy with MetLife.