Life Insurance Plan Options

Please visit the USG Life Insurance and AD&D Page to view:

  • Benefits Summaries and Plan Documents
  • Evidence of Insurability Process
  • Travel Assistance
  • Legacy Planning Services
  • Beneficiary Financial Services
  • Legal Services

  • Kennesaw State University provides $25,000 in Basic Life and AD&D Coverage to benefitted employees.

  • In addition to the KSU paid $25,000 Basic Life and $25,000 AD&D insurance, you may elect optional  additional life insurance on yourself and/or your dependents.

    • Employee Supplemental life insurance - You can buy additional life insurance coverage from one to eight times your salary, up to a maximum of $2.5 million. The lesser of 3x your annual salary or $500,000 is guaranteed without you providing any Evidence of Insurability (EOI).
       
    • Spouse Supplemental life insurance - Spouse coverage options range from $10,000 to $500,000. EOI is required for all requests for spouse coverage during Open Enrollment.
      If you and your spouse are USG employees, you may not have spouse life coverage.
       
    • Child(ren) Supplemental life insurance - Coverage available in $5,000, $10,000 and $15,000. No EOI is required. Dependent children from age 19 to 26 do not have to be full-time students for coverage. If you and your spouse are USG employees, only one of you may cover your dependent children.
      Child Life - $.50 per month for $5,000, $1.00 per month for $10,000 and $1.50 per month for $15,000 in coverage for all eligible child dependents.
  • AD&D Insurance will pay benefits if you suffer a loss (death or dismemberment) as a result of an accident). The AD&D plan also covers medical evacuation and repatriation and rehabilitation expenses, if deemed necessary under a covered loss. This insurance is not intended as a replacement for your life insurance policy but instead is a low cost supplemental policy. You can buy additional voluntary AD&D insurance in amounts of $10,000 to $500,000. Coverage is for you only or you and your family.

  • You must designate a beneficiary for your Life and AD&D coverage when you enroll in benefits on-line through the OneUSG Portal. Your beneficiary is the person or persons who will receive benefits in the event of your death. You may change your beneficiaries at any time through the ADP Self Service portal. You are the beneficiary for the Spouse and Child(ren) life insurance.

Questions?
For more information, contact MetLife at 1-800-438-6388 or www.metlife.com

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