Life Insurance Information

Rutherford County provides a $35,000 Employee Basic Life and AD&D (Accidental Death & Dismemberment) insurance policy for all benefit-eligible employees at no cost to you. Use this Annual Enrollment period to make sure your beneficiaries are up to date.

There are four additional types of term life insurance available for employees to purchase:

 
Employee Supplemental Life and AD&D Insurance

You can elect additional insurance for yourself up to 5 times your salary or $500,000, whichever is less. Pricing is based on employee age. For any amount elected or increased during Annual Enrollment, you'll need to submit Medical Evidence of Insurability (MEOI) to MetLife. Coverage is dependent on approval by MetLife.

 
Spouse Basic Life and AD&D Insurance

Basic life insurance is available for your spouse or domestic partner in increments of $5,000, up to $25,000. Pricing is not based on age until the employee reaches age 70. For any amount elected or increased during Annual Enrollment, your spouse or domestic partner will need to submit Medical Evidence of Insurability (MEOI) to MetLife. Coverage is dependent on approval by MetLife.

 
Spouse Supplemental Life and AD&D Insurance

If you are enrolled in Employee Supplemental Life insurance for yourself, you can elect supplemental insurance for your spouse or domestic partner up to half of your supplemental election or $250,000, whichever is less. Pricing is based on employee age. For any amount elected or increased during Annual Enrollment, you'll need to submit Medical Evidence of Insurability (MEOI) to MetLife. Coverage is dependent on approval by MetLife.

 
Child Supplemental Life and AD&D Insurance

You can elect $5,000 or $10,000 in life insurance for your child or children until they turn 26 (if your child is under 26 and disabled, you may be able to continue their coverage after they reach age 26). Only one policy is needed to cover multiple children, and pricing is not based on age or number of children covered. Medical Evidence of Insurability (MEOI) is not required.

 

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