Permanent faculty (tenured & tenure-track), staff & administrators are eligible for university paid term life and work-related accidental death insurance coverage through the Commonwealth of Pennsylvania's Group Life Insurance Program administered by MetLife.
Eligibility for the Program
Permanent employees become eligible after a
90 day waiting period. They also become eligible for the work-related
accidental death coverage unless the surviving spouse, minor children or
parents are entitled to benefits under Act 101 of 1976, which provides death
benefits to survivors of law enforcement officers, firefighters, ambulance, and
rescue squad members killed in the performance of their duties. Temporary employees are not eligible.
Enrollment in the Program
are eligible for this coverage will be automatically enrolled and will
receive a Welcome Kit that includes a certificate of coverage and
instructions on designating a beneficiary.
Amount of Coverage
The amount of
insurance, as shown in your booklet certificate, will be based on your annual
pay rate (excluding overtime, bonuses, etc.) up to a maximum amount that
depends on your position. For most employees, when you reach age 70, the amount
of your insurance will be reduced to 65 percent of the base amount; when you
reach age 75, your insurance will be reduced to 50 percent of the base amount.
However, you will be eligible to purchase an individual policy for the amount
of coverage lost under the group program. See booklet certificate for details.
Any increases or
decreases in your insurance due to changes in pay will become effective on the
January 1 following your change in pay if you are in an active pay status on
that day or the last regularly scheduled workday before January 1. If you are
not in an active pay status on either date, the increase or decrease will not
become effective until you return to an active status.
Payment of Benefits
In the event of your
death while you are insured, your life insurance benefits will be paid to your
beneficiary(ies). You should name your beneficiary(ies) by visiting the MetLife
website at www.metlife.com/mybenefits, registering and
completing the online form. If you do
not have internet access, please call the MetLife Customer Service line at 1-855-972-5433,
to request a form. It is very important that you keep this information up to date so that
your life insurance benefits will be paid to the proper person(s). A copy
of your beneficiary form should be kept with your Welcome Kit.
Coverage Beginning & End Dates
effective the day after you have completed 90 days of employment in an active
pay status. If you go on an unpaid absence during the first 90 days of
employment in an active pay status, your effective date of insurance coverage
will be extended by the number of days you were on leave. If you are not in an
active pay status on the date you would normally become insured, your insurance
coverage will not become effective until you are returned to an active pay
status. Your earnings statement will show that the Commonwealth is paying
premiums during your first three months, but this is for the bookkeeping
purposes of the Commonwealth; it does not entitle you to coverage prior to the
waiting period being served. Your group life insurance ends at the earliest
time indicated below.
Work-Related Accidental Death Benefit insurance coverage ends when you cease to
be physically present on the job.
If You are Disabled
If you become
permanently and totally disabled while insured, your life insurance will
continue as long as you are in an active pay status. If you remain disabled,
you will be eligible to apply for Disability Life Insurance upon loss of active
pay status or termination of employment. To qualify for this coverage, you must
submit proof of the disability. Such proof may be submitted at any time
following the disability, but no later than 12 months following the last
premium payment. When requested by MetLife,
you must also submit annual proof that you are still disabled. If you believe
you may be eligible for this protection, contact MetLife’s Customer Service
Department at 1-855-972-5433.
your application is denied, you will be notified by the insurance carrier. If disapproved, MetLife will inform you that you may appeal the denial
in writing and will provide instructions for the appeal.
Converting to an Individual Policy
If all or any part
of your insurance under this program terminates, you will receive a conversion
notice from MetLife. You have a 31 day
period following the date of termination, or 15 days from the date of your
conversion notice, for a period not to exceed more than 91 days from the date
your group insurance was terminated, to apply for an individual policy of life
insurance in an amount not to exceed the amount of insurance lost. You will not
be required to have a medical examination. If you should die during the
timeframe conversion could have been exercised, your Group Life Insurance will
be paid to your beneficiary(ies) as though your insurance had not terminated or
been reduced. If you wish to apply for conversion, contact MetLife’s Customer
Service Department at 1-855-972-5433.
Cost of the Plan
The cost of the
Group Life Insurance Program is paid entirely by the Commonwealth. If you go on
an unpaid absence that does not include benefits, you will be billed by MetLife
for your premiums for up to one year. If you do not pay the premium, you will
be dropped from the program.
Group Life Summary Sheet
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