Life & Disability Benefits

Term Life, AD&D, and LTD Insurance

Term life insurance and Accidental Death & Dismemberment (AD&D) are available through the State of Maryland Employee Benefits Division.

Term life and Long Term Disability (LTD) are available through the University System of Maryland (USM).

Interested in the differences between the State Sponsored Life insurance plan and the USM Sponsored Life insurance plan? 

View Metlife Plan Compairson for USM Employees Guide in order to review the differences between the State of MD plans and the USM plans.

life insurance

Life insurance is a cost-effective way to protect your family and finances. Should something unforeseen happen to you, it helps ensure that short- and long-term financial obligations could be met.  If you have a spouse, or a family (domestic partner and/or children), they may rely on you to help keep the household running. Life insurance gives you confidence that your family would be financially prepared without you to handle expenses like:

• Mortgage or rent payments
• Insurance premiums
• Transportation
• Utilities

accidental Death and dismemberment

Accidental Death & Dismemberment (AD&D) Insurance complements your Optional Life Insurance with coverage for severe accidents or loss of life on or off the job. AD&D insurance pays benefits if you suffer a covered accident that results in paralysis or the loss of a limb, speech, hearing or sight, or if you suffer a covered fatal accident.

Long term disability

LTD is an affordable way to protect your income when you are unable to work due to illness or injury. Accidents and illness can happen to anyone, and it can impact your ability to earn money. That’s why financial experts recommend long term disability insurance as part of a sound financial plan.

The State of Maryland Life and AD&D Plans

Life Insurance:

• MetLife, 1-866-574-2863

Quick Links

• Benefits Guide (PDF), scroll to page 34
• MetLife Term Life Insurance Facts & Stats flier [PDF]
• Visit their website at metlife.com/mybenefits and enter ‘State of Maryland’ in the Company Name field.

Accidental Death and Dismemberment

• Coverage is offered by the State of Maryland through MetLife. Contact MetLife at 1-866-574-2863.
• AD&D Coverage and Rates

The University System of Maryland Plan

Life Insurance:

•  USM MetLife
• USM Life plan summary
• USM MetLife Enrollment guide

Long-Term Disability:

• Coverage is offered by the University System of Maryland through USM MetLife. 
• USM LTD plan summary

Frequently Asked Questions & Answers

1. Who qualifies for these plans?  TU employees who are 50% or greater FTE (regularly scheduled for 20 or more hours per week) are eligible for these plans. This includes Regular Exempt and Non-Exempt, Regular Faculty, Lecturers and Contingent II staff.
2. Are the USM-MetLife plan the same as the State of Maryland MetLife plan?  Though MetLife is the same carrier, the USM plans and the State of Maryland plans are completely separate. 
3. Who is the Third Party Administrator for the USM-MetLife plans?  USM-MetLife’s Third Party Administrator is GIS/Boon-Chapman. If you receive communications or emails from GIS/Boon-Chapman, they are legitimate.
4. How do I find out more about the policies offered and their rates?
   Detailed information about both the USM and the State of MD plans can be viewed via the links indicated above
    
   Email HRBenefits for questions or concerns.