Life & Disability Benefits

Term Life, AD&D, and LTD Insurance

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.

“ We are pleased to announce that the University System of Maryland (USM) has selected MetLife as the new provider for Life Insurance and Long Term Disability (LTD) Insurance effective April 1, 2021. MetLife will replace our existing UNUM Group Life Insurance and LTD Plans. As part of this change, these benefits will now be administered on the GIS/Boon-Chapman platform. ”

See the University System of MD plan below

life insurance

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:

  • Mortgage or rent payments
  • Insurance premiums
  • Transportation
  • Utilities

accidental Death and dismemberment

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.

 

Long term disability

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.

The State of Maryland Life and AD&D Plans

Life Insurance:

Quick Links

Accidental Death and Dismemberment

The University System of Maryland Plan

Life Insurance:

Long-Term Disability:

UNUM TO USM-METLIFE TRANSITION - Questions & Answers

  1. Why is the University System of Maryland (USM) moving from UNUM to MetLife? USM performs periodic due diligence in the review of plans, plan coverage, and rates. After thorough review of proposals from various vendors (including UNUM), it was determined that MetLife offered the best combination of rates, customer service, and variety of ancillary plans for the
  2. What plans are included?  At present, the plans include Optional Life for employee, spouse and/or dependents, and Long Term Disability (LTD) for the employee.
  3. Who qualifies for these plans?  TU employees who are 50% or greater FTE (regularly scheduled for 20 or more hours per week) are eligible for these plans. This includes Regular Exempt and Non-Exempt, Regular Faculty, Lecturers and Contingent II staff.
  4. If I have UNUM policies, what do I need to do?  If you currently have one or more of the UNUM policies (Life and/or Long Term Disability), your current coverage will remain the same with USM-MetLife with access to enhanced benefits and reduced rates. You do not need to do anything, but are strongly encouraged to go to the MetLife website and review your existing coverage and beneficiaries: www.metlife.com/USMD.
  5. If I don’t have UNUM policies but want to enroll, what do I need to do?  A special enrollment period is open from April 1 – April 30, 2021, during which you will be able to enroll in Optional Life and/or LTD with reduced rates and simplified underwriting. Answer just five health questions to apply for Optional Life. You can also enroll in the LTD plan (365-day elimination period option) without having to answer any health questions. Go to www.metlife.com/USMD.
  6. Is this USM-MetLife plan the same as the State of Maryland MetLife plan?  Though MetLife is the same carrier, the USM plans and the State of Maryland plans are completely separate. If you are currently enrolled in a State of Maryland MetLife plan, it will remain the same.
  7. Who is the Third Party Administrator for the USM-MetLife plans?  USM-MetLife’s Third Party Administrator is GIS/Boon-Chapman. If you receive communications or emails from GIS/Boon-Chapman, they are legitimate.
  8. If I enroll, add, or increase coverage, will I need to provide medical information?  If you enroll, add, or increase coverage, there is simplified underwriting. Answer just five health questions for Optional Life. LTD coverage with a 365-day elimination period option does not require answering any health questions.
  9. What is the effective date of approved new enrollments, additions, or coverage increases?  The effective date for approved new enrollments, additions, or coverage will be May 1, 2021. Existing UNUM policies that are rolling into USM-MetLife will have an April 1 effective date – in other words, there will be no break in existing coverage.
  10. How do I find out more about the policies offered and their rates?
    Detailed information about the USM-MetLife plans will be distributed and posted through April.
    Watch for communications directly from MetLife.
    Go to www.metlife.com/USMD
    Email or for questions or concerns.