Life Insurance

Montgomery County’s life insurance program is administered by MetLife. In addition to Basic Life and AD&D you may purchase supplemental life insurance as well as spouse and dependent life which promotes increased flexibility for employees and family members. The supplemental life insurance is offered at affordable group rates.

For Employees:
Basic Life and AD&D*: The County provides you with $50,000 of term life insurance coverage and AD&D coverage at no cost to you.

Supplemental Employee Life**:
The County offers employees the opportunity to purchase supplemental life insurance at low group rates through payroll deductions. You may apply for additional life insurance for yourself in increments of $10,000 up to a maximum of $500,000. Keep in mind that if you wish to increase your coverage due to a qualifying life event or during open enrollment, you will be required to provide a statement of health form to MetLife. New hire employees can purchase supplemental life insurance in $10,000 increments up to $300,000 without providing a statement of health or up to $500,000 with a Statement of Health within their first 30 days of employment.

For Dependents of Employees:
The County also provides employees the opportunity to purchase supplemental life insurance for their spouses and/or dependent children at low group rates through payroll deductions. You have the option of selecting spouse life, dependent life, or both depending upon your individual needs. Bear in mind that to purchase supplemental spouse or dependent life, you must first select supplemental life for yourself.

Supplemental Spouse Life:
The benefit for a dependent spouse can be up to 50 percent of your Supplemental Life amount, not to exceed $100,000. If you and your spouse are both employed by Montgomery County, you cannot be covered as both an insured person and as a dependent. New hire employees can purchase spouse supplemental life insurance in $5,000 increments up to $50,000 without providing a statement of health or up to $100,000 with a Statement of Health for within their first 30 days of employment.

Supplemental Dependent Life:
The benefit for a dependent child(ren) is $10,000 or $20,000. One rate covers all eligible dependent children.

Supplemental Life Insurance Summary
MetLife Statement of Health Form
Beneficiary Change Form
Beneficiary Form Board of DDS

*Does not apply to PHDMC.
**Does not apply to DDS or PHDMC.


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	Life Insurance Montgomery County’s life insurance program is administered by MetLife. In addition to Basic Life and AD&D you may purchase supplemental life insurance as well as spouse and dependent life which promotes increased flexibility for employees and family members. The supplemental life insurance is offered at affordable group rates. For Employees: Basic Life and AD&D: The County provides you with $50,000 of term life insurance coverage and AD&D coverage at no cost to you. Supplemental Employee Life:* The County offers employees the opportunity to purchase supplemental life insurance at low group rates through payroll deductions. You may apply for additional life insurance for yourself in increments of $10,000 up to a maximum of $500,000. Keep in mind that if you wish to increase your coverage due to a qualifying life event or during open enrollment, you will be required to provide a statement of health form to MetLife. New hire employees can purchase supplemental life insurance in $10,000 increments up to $300,000 without providing a statement of health or up to $500,000 with a Statement of Health within their first 30 days of employment. For Dependents of Employees: The County also provides employees the opportunity to purchase supplemental life insurance for their spouses and/or dependent children at low group rates through payroll deductions. You have the option of selecting spouse life, dependent life, or both depending upon your individual needs. Bear in mind that to purchase supplemental spouse or dependent life, you must first select supplemental life for yourself. Supplemental Spouse Life: The benefit for a dependent spouse can be up to 50 percent of your Supplemental Life amount, not to exceed $100,000. If you and your spouse are both employed by Montgomery County, you cannot be covered as both an insured person and as a dependent. New hire employees can purchase spouse supplemental life insurance in $5,000 increments up to $50,000 without providing a statement of health or up to $100,000 with a Statement of Health for within their first 30 days of employment. Supplemental Dependent Life: The benefit for a dependent child(ren) is $10,000 or $20,000. One rate covers all eligible dependent children. Supplemental Life Insurance Summary MetLife Statement of Health Form Beneficiary Change Form Beneficiary Form Board of DDS Does not apply to PHDMC. *Does not apply to DDS or PHDMC.