2021 Life Insurance

Basic Life Insurance

Group term life insurance will provide a life benefit to the beneficiaries of a covered individual who dies during the defined covered period.

• Faculty, Exempt and Non-Exempt employees are eligible to receive a $50,000 basic life insurance option at no cost.
• SEIU employees receive 2.5x their annual salary at no cost, after one year of eligible employment.
• Research Associate Bs and Research Fellows have the option of purchasing the $50,000 basic life plan and/or 1–8x annual salary.
• Evidence of Insurability is not required for Basic Life Insurance coverage.

Group Term Life Insurance

Group term life insurance will provide a life benefit to the beneficiaries of a covered individual who dies during the defined covered period.

• Faculty, Exempt and Non-Exempt employees are also eligible to elect a group term life insurance plan of an amount up to 8x their annual salary, to a maximum of $1,500,000.
• Research Associate Bs and Research Fellows also have the option of purchasing 1–8x annual salary.
• Group term life rates are calculated based on age bands and per thousand dollars of coverage.  Rates can be calculated using the benefit cost estimator.
• Optional life insurance premiums are based on the employee's salary on January 1. Therefore, a life insurance payment due to a beneficiary will be based on the salary effective January 1.
• When increasing life insurance levels during open enrollment or a qualified life event, Evidence of Insurability (EOI) is required and you must complete a Statement of Health through MetLife. A link will be provided in FlexOnline and changes will not take effect until the Statement of Health is completed and approved by MetLife.

Dependent Life Insurance

You may elect life insurance for your dependents.

• This is a life insurance policy in which you are the named beneficiary in the event that something should happen to your insured dependents.
• Evidence of Insurability (EOI) is not required for Dependent Life Insurance coverage.
• Plan guidelines do not allow Dartmouth couples to cover one another on dependent life, and only one partner can cover the children.
• Plan coverage and rates

Additional Benefits Through MetLife

Travel and Accident Insurance

Travel Assistance is a valuable benefit that is provided and administered by AXA Assistance USA, Inc. through an arrangement with MetLife. This service offers you and your dependents medical, travel, legal, financial and concierge services, 24 hours a day, 365 days a year, while traveling internationally or domestically.

Estate Resolution Services

Included with your Dartmouth supplemental group term life insurance plan, MetLife offers unlimited Estate Resolution Services at no additional cost. Whenever you or your representative contact a network attorney, through MetLife Legal Plans, you will receive expert legal guidance and unlimited consultation at no cost, for questions about the probate process, or court representation needed so that you can feel confident with your decisions. These resources and services are there to help you through what can otherwise feel like a very complex and lengthy process. For more information and eligibility visit dartgo.org/estate_resolution

Will Preparation Services (In-Person)

In-person Will Preparation Services are available at no cost through MetLife Legal Plans, when you enroll in one of Dartmouth's supplemental group term life insurance plans. You and your spouse will have in-person or phone access to professional attorneys who will help you with preparing or updating a will, living will or with assigning a power of attorney. Fees are fully covered when using a participating in-network attorney and there are no claim forms to file. For more information and eligibility visit dartgo.org/will_prep

Will Preparation Services (Online)

Online will preparation services are available at no cost with Dartmouth's basic and supplemental life insurance plan. You have 24/7 access to a MetLife's outside vendor partner, SmartLegalForms, Inc., who will help you with preparing or updating a will, living will or with assigning a power of attorney. Visit www.WillsCenter.com to get started.

Filing a Claim

To file a claim, please contact the benefits office at 603-646-3589 or by emailing us at Human.Resources.Benefits@dartmouth.edu.  We will need a copy of the deceased's death certificate in order to file a claim.