Life and Disability Insurance
Basic Life Insurance
Basic life insurance coverage is administered through MetLife at no cost to you for basic life insurance 2x your base salary (up to $225,000 based on your salary schedule)—for all benefit eligible employees:
- Coverage is effective on the date of hire.
- The coverage amount automatically increases or decreases when you have a change in base salary.
Please note employer-paid coverage amounts over $50,000 are subject to imputed income.
Accidental Death & Dismemberment (AD&D) Insurance
Accidental Death & Dismemberment (AD&D) Insurance is administered through MetLife at no cost to you. You are automatically enrolled in AD&D coverage on your date of hire, to a maximum benefit of:
- $10,000 for all other Employee groups
- $30,000 for Sheriff's Civilians
- $50,000 for Police Officers, Deputy Sheriffs, Correctional Officers, Firefighters, Paramedics, and Emergency Response Technicians
This benefit is payable for death or personal loss caused by an accident on or off the job.
| Salary Schedule |
Employee Group |
Benefit |
Coverage Type |
Schedule of Benefits |
Certificate |
|---|---|---|---|---|---|
|
Schedule D: Active (Full/Part-Time) |
Correctional Officer | AD&D | Employer Paid | $50,000 | Cert 30 |
| Schedule X | Crossing Guards | AD&D | Employer Paid | $10,000 | Cert 31 |
|
Schedule E: Exempt
Schedule G General Schedule: Active (Full/Part-Time)
Schedule GEX: County Executive, Chief Administrative Officer, Immediate staff of the County Executive, head of each County agency, Council Member, Council Administrator, County auditor and aide to each council members Active (Full/Part-Time) |
Schedule E: Exempt Employees Schedule G: General
Schedule GEX |
AD&D | Employer Paid | $10,000 | Cert 28 |
|
Schedule A, P, Q: Active (Full/Part-Time) |
Schedule A: AFSCME Employees Schedule P: Police Civilians Salary Schedule Q: Corrections Civilians Salary |
AD&D | Employer Paid | $10,000 | Cert 29 |
|
Schedule Z: Active (Full/Part-Time) |
Schedule Z: Sheriff's Civilians |
AD&D | Employer Paid | $30,000 | Cert 34 |
|
Schedule H: Active (Full/Part-Time) |
Fire Civilian | AD&D | Employer Paid | $10,000 | Cert 32 |
|
Schedule Y: Active (Full/Part-Time |
Firefighters, Emergency Response Technicians, and Paramedics | AD&D | Employer Paid | $50,000 | Cert 33 |
|
Schedule L and W: Active (Full/Part-Time |
Police Officers and Deputy Sheriffs | AD&D | Employer Paid | $50,000 | Cert 27 |
Supplemental Life Insurance (SLI)
This benefit applies only to police officers, firefighters, paramedics, emergency response technicians, and deputy sheriffs. SLI is administered by MetLife and is equal to fifty (50) times the monthly salary with a maximum benefit of $600,000.
| Salary Schedule |
Employee Group |
Benefit |
Coverage Type |
Schedule of Benefits |
Max Benefit |
Certificate |
|---|---|---|---|---|---|---|
|
Schedule Y: Active (Full/Part-Time |
Firefighters, Emergency Response Technicians ,and Paramedics | Supplemental | Employer Paid | 50x Monthly Earnings | $600,000 | Cert 33 |
|
Schedule L and W: Active (Full/Part-Time |
Police Officers and Deputy Sheriffs | Supplemental | Employer Paid | 50x Monthly Earnings | $600,000 | Cert 27 |
Extra Life Insurance (XLI)
Administered though MetLife, employees have the option of electing extra life insurance. You pay 100% of the cost of optional life insurance. You may purchase between one and four times your base pay in XLI up to $600,000 ($800,000 for Salary Schedule H – Fire Civilians).
Premiums for Extra Life Insurance are based on your salary and age as of December 31, 2022.
| Age Category | Monthly Factor per $1000* |
| Under age 25 | $0.055 |
| Age 25 to 29 | $0.066 |
| Age 30 to 34 | $0.088 |
| Age 35 to 39 | $0.099 |
| Age 40 to 44 | $0.0110 |
| Age 45 to 49 | $0.165 |
| Age 50 to 54 | $0.254 |
| Age 55 to 59 | $0.474 |
| Age 60 to 64 | $0.728 |
| Age 65 to 69 | $1.400 |
| Age 70 and over | $2.271 |
Instructions for Calculating Monthly Premium:
Multiply your annual base salary by your XLI election (your choice being 1, 2, 3 or 4 times your base salary) ; round to the nearest $1,000. Divide by 1,000. Use this number to multiply the month factor for your age category. This will provide the monthly cost of your XLI.
MetLife Advantages available only with Extra Life Insurance:
- Will Preparation Services (through MetLife Legal Plans) and
- Estate Resolution Services (through MetLife Legal Plans)
Forms and Notices - Extra Life Insurance:
Long-term Disability (LTD)
All benefits-eligible employees may enroll in the Long-Term Disability (LTD) Insurance Program administered by MetLife. Long-term disability insurance provides income replacement that may be used in conjunction with your annual or sick leave.
Available coverage options:
- 50% of your pre-disability monthly earnings up to a $3,000 monthly maximum or
- 60% of your pre-disability monthly earnings up to a $5,000 monthly maximum
- Elimination period: the greater of 26 weeks or STD max benefit
LTD Resources:
- Long-term Disability Certificate for Non-Public Safety Employees (Effective Jan. 1, 2022)
- Long-term Disability Certificate for Public Safety Employees (Effective Jan. 1, 2022)
- LTD Summary (PDF)
Benefits will not be paid for the following:
- War, whether declared or undeclared, or act of war, insurrection, rebellion or terrorist act.
- Active participation in a riot.
- Intentionally self-inflicted injury or attempted suicide.
- Commission of or attempt to commit a felony.
- Pre-existing conditions; means a Sickness or accidental injury for which You:
- Took prescription medication or had medications prescribed; in the 3 months before Your insurance under MetLife takes effect.
- Received medical treatment, consultation, care, or services; or
- A Pre-existing Condition does not include a condition admitted in the application unless such condition is excluded by a signed waiver rider.
- We will not pay benefits, or any increase in benefit amount, for a Disability that results from a Pre-existing Condition, if the Disability begins prior to the earliest of:
- the date You have not received medical treatment, consultation or services for the Pre-existing Condition for a period of 3 consecutive months after the date insurance under this certificate takes effect; or
- If You were not required to give evidence of insurability when You enrolled for the insurance under this certificate, the date 12 months from the date such insurance takes effect; or
- If You were required to give evidence of insurability when You enrolled for the insurance under this certificate, the date 12 months from the date such insurance takes effect.
LTD Rate Calculation Examples
| Category | per $100 of Covered Monthly Payroll |
| LTDL Non-Public Safety 50% Plan | $0.200 |
| LTD: Non-Public Safety 60% Plan | $0.394 |
| LTD: Public Safety 50% Plan | $0.253 |
| LTD: Public Safety 60% Plan | $0.498 |
Please note the difference in rates for non-public safety vs public safety.
LTD Example #1:
- Non-public safety 50%
- Annual earnings: $55,026
- Determine monthly earnings, divide annual earnings by 12; $55,026/12 = $4,585.50
Monthly earnings value per $100; $4,585/100 = $45.86
Multiply by rate to determine monthly premium; $45.86 x 0.200 = $9.17
LTD Example #2:
- Public Safety 60%
- Annual earnings: $75,000
- Determine monthly earnings, divide annual earnings by 12; $123,948/12 = $6,250
Monthly earnings value per $100; $6,250/100 = $62.50
Multiply by rate to determine monthly premium; $62.50 x 0.498 = $31.13
Contact MetLife:
Customer Service: 1-833-622-0135
Website: www.metlife.com