Term life insurance and Accidental Death & Dismemberment (AD&D) are available through the State of Maryland Employee Benefits Division.
Term life and Long Term Disability (LTD) are available through the University System of Maryland.
Life insurance is a cost-effective way to protect your family and finances. Should something unforeseen happen to you, it helps ensure that short- and long-term financial obligations could be met. If you have a spouse, or a family (domestic partner and/or children), they may rely on you to help keep the household running. Life insurance gives you confidence that your family would be financially prepared without you to handle expenses like:
Accidental Death & Dismemberment (AD&D) Insurance complements your Optional Life Insurance with coverage for severe accidents or loss of life on or off the job. AD&D insurance pays benefits if you suffer a covered accident that results in paralysis or the loss of a limb, speech, hearing or sight, or if you suffer a covered fatal accident.
LTD is an affordable way to protect your income when you are unable to work due to illness or injury. Accidents and illness can happen to anyone, and it can impact your ability to earn money. That’s why financial experts recommend long term disability insurance as part of a sound financial plan.