Life, Disability, and Group Legal Insurance

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

Short-term disabilitynew 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 & Dismemberment
Montgomery College provides a group life insurance plan through The Standard, which provides life insurance amounting to two (2) times the employee's annual salary, rounded up to the next $500, not to exceed $100,000. It is important to be aware that any life insurance valued in excess of $50,000 will be included as taxable income.

75% of the plan's cost is paid by the college, while the remaining 25% is paid by the employee.

The basic life insurance provides a waiver of premium provisions if you are disabled prior to age 60. Life insurance benefits 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)
AD&D is provided to all employees that elect the life insurance benefit. Employees or beneficiaries will be paid if an employee sustains bodily injuries or loss of life as a result of an accident. AD&D benefits are described in the certificate maintained by the Office of Human Resources and Strategic Talent Management. AD&D benefits are not payable if your death or loss is caused directly or indirectly by suicide—whether sane or insane; physical or mental illness; an act of war while serving in the military for any country; injury while taking part in any crime you commit or attempt to commit; riding or descending in an aircraft as pilot or crew member; or bacterial infection or poisoning.

The Standard Life and Accidental Death and Dismemberment Insurance (Class 1) (PDF, ) .
This document provides complete coverage details, including benefit calculations, premium costs, eligibility requirements, exclusions, claim procedures, and important policy terms for your basic life and AD&D insurance.

Enrollment Details: If you are not currently enrolled in basic life or optional life, or want to increase your optional life insurance election, evidence of insurability forms must be completed and sent to The Standard. You can view rates and elect the level of life insurance and elect LTD in Workday, but it 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 all support, associate, and administrative staff who work at least 20 hours per week in a regular or temporary-with-benefits position. It is also available to full-time faculty.

The plan is designed to be flexible and affordable, allowing for additional life insurance protection above the College's basic coverage. The premiums, which are based on age, will be deducted from your bi-weekly paycheck.

Employees can purchase optional life insurance in the following quantities:

• 1 x salary (up to $300,000)

• 2 x salary (up to $300,000)

• 3 x salary (up to $300,000)

Cost: The cost of this insurance is paid entirely by the employee.

Check Workday to calculate how much optional life insurance will cost you per pay period.

The Standard Group Additional Life Insurance (PDF, )
This document outlines how to purchase additional life insurance beyond your basic coverage, including rate tables by age, application procedures, medical underwriting requirements, and maximum coverage limits.

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.