All full-time employees receive Board-paid life insurance, which is one time their annual benefits salary rounded up to the next $1,000 (Administrators and Confidential Exempt employees receive two times their annual benefits salary).

As a new hire, you may purchase optional life insurance, not to exceed three times your annual base salary, on a guaranteed basis. You will be eligible to increase your coverage to a maximum of five times the annual base salary after the first year of participation in the optional life program. Evidence of Insurability will be required for any increases in coverage. These additional life insurance premiums are paid through payroll deductions.

Any questions regarding these benefits should be directed to the MetLife on-site representative at (305) 995-7029.

You may purchase term life insurance in the amount of $5,000, $10,000, $20,000 or $30,000 for your legal spouse/domestic partner, as long as your legal spouse/domestic partner is not a full-time employee of M-DCPS. This coverage includes accidental death and dismemberment benefits (AD&D), where two times the basic coverage amount will be paid in the event of an accidental death.

You may purchase term life insurance for one or more dependent children in the amount of $5,000 or $10,000. You pay one rate regardless of the number of eligible dependent children covered. An eligible dependent is your own unmarried child, adopted child, any child for whom you have been appointed legal guardian, or stepchildren, if they are dependent upon you for support. An eligible dependent child is covered to the end of the calendar year in which they reach age 26. Accidental death and dismemberment (AD&D) benefits are not included, only a basic coverage amount will be paid for an accidental death.

The rates for legal spouse/domestic partner and children are age banded and determined by the employee’s age, not the age of the dependent. In accordance with Florida Statutes, group life insurance for either your legal spouse/domestic partner or children cannot exceed 50% of the amount of your School Board basic and optional life insurance combined. These additional life insurance premiums are paid through payroll deductions.

When you enroll your dependents during your initial enrollment period as a new hire, coverage is guaranteed issue, which means there are no health questions to answer. You may add this coverage during the calendar year without evidence of insurability if you experience a change in status (i.e., marriage, birth and adoption). MetLife reserves the right to request evidence of insurability and a physical exam may be required for any eligible dependent not enrolled during this initial period other than during a change in status.

Any questions regarding these benefits should be directed to the MetLife on-site representative at (305) 995-7029.

The Group Dependent Life Insurance program is available to full-time M-DCPS employees on a voluntary basis. This coverage provides valuable benefits during difficult limes. Simply choose the amount of coverage that suits your needs and indicate your choices during your enrollment. There is no need for medical evidence of insurability if you sign up during the initial enrollment period. Premiums for dependent coverage are determined by the employee’s age as of January 1st of each year.  If it is determined that an enrolled dependent is ineligible, no proceeds will be paid upon death. We reserve the right to request documentation or other evidence to support the eligibility of an enrolled dependent.