Life Insurance
Baldwin County Schools offers voluntary life and accidental death and dismemberment (AD&D) insurance at affordable group insurance rates through MetLife. You may elect life insurance, AD&D insurance, or both. The AD&D benefit pays in the event of death or loss of limbs, speech, hearing and more caused by a covered accident.
Voluntary Life and Accidental Death and Dismemberment (AD&D) Options (separate elections)
You may elect voluntary life insurance for yourself and your dependents through payroll deduction.
Employee Life: 1 to 10 times your annual pay to a maximum of $1 million dollars
Guarantee Issue Amount: Up to 3x salary
Spouse Life: $5,000 increments to a maximum of $250,000, not to exceed 100% of the employee's amount
Guarantee Issue Amount: $50,000
Child Life: $5,000 or $10,000, up to age 26
Guarantee Issue Amount: $10,000
Evidence of Insurability (EOI) for Voluntary Life
As a new hire, you are able to elect up to the Guarantee Issue of 3x your salary for yourself, $50,000 for your spouse, and $10,000 for your child(ren) with no health questions. Should you wish to elect an amount that exceeds the Guarantee Issue, an Evidence of Insurability Form is required. You may obtain an EOI Form from the Resources page or by calling the Benefits Service Center. New elections at Annual Open Enrollment also require an Evidence of Insurability (EOI). To apply, simply complete the form and submit it to MetLife for review. You will not be deducted for your pending amount unless / until you are approved.
If you elect coverage as a new hire, regardless of the amount, you can increase your insurance later, up to the maximum amount, with no health questions.
Important Notes
- There is no age cap to be eligible to enroll and benefits do not reduce due to age
- Spouse life cannot exceed 100% of employee amount
- Child(ren) can be covered until age 26
- Voluntary Life and Accidental Death & Dismemberment (AD&D) are seperate elections. AD&D is paid according to a schedule outlined in the certificate.
- If you are married to another Baldwin County Schools employee duplicate coverage is not allowed for spouse or child life.
About Your Beneficiary
Your beneficiary is the person(s) who will receive your life insurance benefits when you die. Your beneficiary can be a person or multiple people, charitable institutions, or your estate. Once named, your beneficiary remains on file until you make a change. If your family situation changes, you’ll want to review the beneficiaries on file and make updates if needed. If you don’t name a beneficiary, your life insurance benefits will automatically go to your estate. You are required to designate your beneficiary(ies) during your enrollment.
Portability and Conversion
You can continue your life insurance coverage if you leave your position at Baldwin County Schools. To do so, specific criteria must be satisfied, and you must submit an application and remit premium payments to MetLife within 30 days of your coverage ending. Upon separation, you have the option to either transfer your policy to an individual term life plan (Portability option) or convert it to an individual whole life policy (Conversion option).
Portability: You can access the MetLife portability application here, but please note that the rates listed on the application are subject to change. may change, and the coverage amount will reduce after reaching the age of 70. If porting spouse life coverage, the coverage must be elected before your spouse turns age 70, and ported spouse life insurance coverage ends when your spouse reaches age 70. There is no age cap for ported employee coverage.
Conversion: For individual whole life insurance plan details, contact MetLife.
