1420 - Basic Group Life Insurance (Historical View)

** Effective: 2/13/2024 10:21:27 AM - Present **

Status: Active

Change Notes

Authorized By Contact updated: Update

Category

Benefits and Insurance

Audience List

Synopsis

This policy

Introduction

The Basic Group Term Life Insurance Program is offered at no charge to managers, supervisors, confidential, and other specified excluded employees. This benefit is provided to excluded employees in the event of an accidental death or dismemberment.

The California Department of Human Resources (CalHR) Benefits Division, maintains responsibility for the program. The carrier for the Basic Group Term Life Insurance Program is Metropolitan Life Insurance Company (MetLife).

Statement

Benefit Amount and Employer Contribution

Benefit Amount                                            Employer Contribution

Managers
$50,000 Policy                                                           $9.75
$25,000 Policy at age 70                                           $5.13

Supervisor/Confidential
$25,000 Policy                                                           $5.13
$12,500 Policy at age 70                                           $2.81

Age 70

The Basic Group Term Life Insurance policy for excluded employees requires that when the employees reaches age 70, their employer-paid life insurance premiums and benefit will be reduced by 50 percent. This reduction is effective on January 1, after the year in which the employee turns age 70 and is reflected in the December pay period.

It is the Department’s responsibility to communicate this information to their excluded employees, prior to December.

Administrative Fee

The employing departments pay a monthly administrative fee of $.50 cents per enrolled employee.

Retirees

Current state employees who wish to continue their Basic Group Term Life Insurance coverage into retirement at their cost must enroll within 30 days after retirement.

At age 65 the Basic Group Term Life Insurance is reduced by 50 percent, then to a flat amount at age 70.

Under 65:

Ages 65-69:

Age 70 and over:

Administrative Fee for Retirees

There is an administrative charge of $0.45 cents per month paid by retirees.

Eligibility

Employees must work half time or more with one of the following designations:

Permanent, CEA, Limited Term of 6 months and over, or Temporary Authorization (TAU) appointment in lieu of permanent appointment if CBID is:

Level of Coverage

The amount of coverage is based on an employee's designation as specified below:

CBID: M, E50, E59, E79, E88, E89, E90*, E91, E92, E99 or E77***

CBID: Managers moved to E01 through E21***

CBID: C, S, E48, E58, E68, E97, E98, E67***, E78** Supervisors moved to E01 through E21***

CBID: Judges and Staff

The Judicial Council is responsible for auditing and determining temporary employee's eligibility before submitting the STD. 698 (Life Insurance Enrollment Authorization) form to the State Controller's Office.

* Only in certain class codes as listed under "Eligibility".

** Employees moved to E58 or E78 due to mid-management reductions retain the $50,000 management coverage; however, future incumbents receive the $25,000 supervisory level.

*** Employees moved to E01 through E21, E67, or E77 due to mid-management reductions retain their level of coverage prior to the re-designation; however, future incumbents are designated represented and are not eligible for this benefit.

Loss of Eligibility

Employees who are designated confidential, supervisory, and managerial under the Ralph C. Dills Act receive certain leave and other benefits that exceed those provided to represented employees.

Voluntary Movement from Excluded to Represented

Employees enrolled in the state-paid Basic Group Term Life Insurance, may convert their insurance coverage without evidence of insurability.  A conversion authorization form must be submitted to MetLife with 30 days of appointment to a represented classification.

Adverse Actions

Loss of eligibility due to an adverse action will be handled the same as a voluntary movement.

Involuntary Re-designation to a Represented Position

Involuntary transfer includes certain movements from supervisory to rank and file position and reassignment of confidential employee to non-confidential position and is involuntary (but without fault) on the employees part, and the CBID is changed immediately, to reflect the new position.  

Upon the employee’s involuntary change the employing department must pay 12 months of basic life insurance premiums as noted in the employer contribution.  Premiums are to be paid directly to MetLife and must be accompanied by a cover memo with the employee’s name, last four of the employee's social security number, home address, the employee’s effective date of prior CBID and effective date of the new CBID change.

Metropolitan Life Insurance (MetLife)
Policy number 74503

For information, contact:
MetLife Customer Service

Monday through Friday, 8:00 a.m. to 4:30 p.m., Pacific Time
(800) 252-8524
https://www.metlife.com/soc/

At the end of the 12-month period, the employee may convert the coverage to a private policy without medical review and the new premium will be at the employee’s expense.

Questions

If employees have questions regarding their life insurance or how to continue life insurance into retirement, the employee can contact MetLife at 1-800-252-8524.

Application

Not Applicable.

Authorities

Resources

Forms

Web Pages

Authorized By

Benefits Division
Benefits Division Inquiries, Benefits Division

Contact Person

Group Term Life Insurance
CalHR,
Phone: 916-322-0300
Email: lifeinsurance@calhr.ca.gov

Superseded Policies

Not Applicable.