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Retiree Life Insurance

As a retired Metro employee, Metro provides you with $10,000 of term life insurance at no cost to you.  Your life insurance benefit is payable to the person you have last named as your beneficiary.  

At retirement, you have the option to convert to an individual life policy in $1,000 increments up to $40,000 (which is the difference between the $50,000 active employee amount and the $10,000 pensioner benefit).  You must make written application and payment of premium to the life insurance company within 31 days from the date you are notified by Metro.  To obtain a conversion form, please contact Prudential at 1-800-778-3827.

Pensioners are not eligible to enroll in supplemental life insurance; however, if you were previously enrolled as an active employee, you may elect to continue your supplemental term life coverage as a pensioner under an individual policy at the lesser of $20,000 or the amount that is in force prior to retirement (at least $10,000).  The decision to continue your supplemental life insurance must be made at the time you complete your pension application paperwork.  

Waiver of Premium

If you are disabled according to the insurance company's standards (not Metro's) and are under the age of 60, you may apply for a Waiver of Premium for the basic life insurance benefit and the same amount of supplemental life insurance you last had while actively employed.  This benefit will provide your beneficiary with $50,000 at your death, plus the amount of supplemental life insurance you had in place as an active employee when you retired.  If you are over the age of 60, you may not apply for the waiver, and your life insurance amount as a pensioner will be $10,000.  

You may immediately apply for the Waiver of Premium benefit, but you must apply within 12 months of the date you became disabled.  If approved, benefits may remain in effect until you are age 70 (after age 70, your life insurance benefit will be $10,000).

If you qualify for the Waiver of Premium, this is a free benefit to you.  If you are denied for the Waiver of Premium benefit, you have 30 days from the date of the denial to appeal the insurance company's decision.  If your appeal is denied, or you elect not to appeal the denial, you may convert to an individual policy; however, you must make written application and payment of premium within 31 days from the time the insurance company denies your Waiver of Premium application.  To appeal or convert, you must contact the insurance company.

Voluntary Life Insurance Plans

If you are enrolled in a voluntary life insurance plan, you may continue these deductions as a pensioner.  It is your responsibility to contact the voluntary insurance company and inform them that your premiums need to be taken on a monthly basis rather than a semi-monthly basis.  The insurance company will need to submit a new payroll deduction authorization form to Metro Payroll.  Failure to make these arrangements could result in a lapse of coverage.

Contact Info

If you would like to speak to a Benefits Representative regarding your insurance as a Metro Government pensioner, please contact:

(615) 862-6700, Option 1

Prudential
1-877-232-3619

Prudential (General Group Life Inquiries)
1-800-524-0542

Prudential (To Convert to an Individual Policy)
1-800-778-3827