Life, Disability, and Group Legal Insurance

Short-term disability (STD) insurance is provided free of charge to benefit-eligible employees.

Short-term disability new window pays a percentage of an employee's salary based on the number of years of service.

Employees who are disabled due to an illness or an accident may be granted short-term disability leave for the first 12 months of their disability. Once all accumulated sick leave has been used, a percentage of the employee's salary will be continued in accordance with the chart below.

To be eligible, an employee must complete six months of continuous service.

 

Basic Life Insurance/Accidental Death and Dismemberment
Montgomery College provides a group life insurance plan through The Standard that offers coverage equal to two (2) times an employee’s annual salary, rounded up to the next $500, not to exceed $100,000. Life insurance valued above $50,000 is considered taxable income under IRS regulations.

The College pays 75% of the plan cost, and employees pay the remaining 25%.

Basic life insurance includes a waiver of premium provision if you become disabled before age 60. Full benefit details are described in the Group Life Insurance Certificate maintained by the Office of Human Resources and Strategic Talent Management.

Accidental Death and Dismemberment Insurance (AD&D)
Accidental Death and Dismemberment (AD&D) coverage is provided to employees who elect the life insurance benefit. Benefits are paid if an employee sustains a covered accidental injury or loss of life.

AD&D benefits are not payable if death or loss results directly or indirectly from suicide (whether sane or insane), physical or mental illness, an act of war while serving in the military for any country, participation in or attempted commission of a crime, operating or serving as crew on an aircraft, or bacterial infection or poisoning.

The Standard Life and Accidental Death and Dismemberment Insurance—Active Employees (PDF, )
Provides detailed coverage information for Montgomery College’s Basic Life and AD&D insurance for active employees, including benefit calculations, eligibility requirements, premium costs, exclusions, claim procedures, and policy provisions.

The Standard Basic Life Insurance—Retirees (PDF, )
Provides information about basic life insurance coverage available to eligible retirees, including continuation of coverage after retirement, coverage limits, and age-related benefit reductions.

Enrollment Details: If you are not currently enrolled in basic life or optional life, or if you wish to increase your optional life coverage, an Evidence of Insurability form must be completed and sent to The Standard.

You may view rates, elect life insurance coverage, and elect LTD in Workday. Elections requiring evidence of insurability will not be approved until HRSTM receives approval from The Standard.

Need Help? Contact the HRSTM Benefits Team for assistance with the Evidence of Insurability process.
 

Montgomery College offers optional life insurance coverage through Standard Insurance Company. This benefit is available to support, associate, and administrative staff who work at least 20 hours per week in a regular or temporary-with-benefits position, as well as full-time faculty.

Optional life insurance provides additional coverage beyond the College’s basic life insurance benefit. Premiums are based on age and are paid entirely by the employee through bi-weekly payroll deductions.

Employees may elect optional life insurance coverage in the following amounts:

• 1 × salary (up to $300,000)
• 2 × salary (up to $300,000)
• 3 × salary (up to $300,000)

You may review coverage options and calculate your per-pay-period cost in Workday.

The Standard Group Additional Life Insurance (Optional Life)  (PDF, )
Provides detailed information about optional (additional) life insurance coverage, including eligibility requirements, benefit limits, age-based rate tables, coverage for spouses and dependent children, medical underwriting requirements, and policy provisions.

For questions about optional life insurance coverage or enrollment, contact the HRSTM Benefits Team new window.

Employees who are enrolled in the Basic Life and Optional Life Insurance program (minimum 1x salary) have the option of purchasing life insurance on their spouse or dependent(s). Check Workday to determine how much spouse or dependent life insurance will cost you per pay period.

The death benefits are paid as follows:

• Spouse: $25,000

• Each Dependent: $5,000

Eligibility: You must be enrolled in Basic Life Insurance/AD&D and at least 1x Optional Life in order to be eligible for the spousal or dependent life insurance benefits.

If you are not currently enrolled, evidence of insurability forms must be completed and sent to The Standard. You can elect spousal or dependent life insurance in the Workday system, but it will not be approved until HRSTM receives approval from The Standard. Additional information can be found on the Open Enrollment website new window.