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Life Insurance

The Massachusetts Group Insurance Commission (GIC) offers eligible employees optional life insurance & accidental death and dismemberment coverage options. The plan overview and premiums are available in the GIC Benefit Decision Guide. As of July 1, 2021, the Life Insurance carrier is Metlife.

For more information please visit:

To learn more the life insurance coverage, please visit Metlife’s website at:

Basic Life Insurance

Basic Life Insurance is a flat $5,000 benefit for which employees contribute 20% or 25% of the premium (based on date of hire).

Optional Term Life Insurance with AD&D

Optional term life insurance is available as a flat rate in increments up to $1,000 less than the employee’s annual salary or as a multiple (1-8 times) of base annual salary. Life insurance purchased as a multiple of annual salary (“automatic increase”) increases as base annual salary increases with corresponding premium increases.

How to Apply

Eligible employees may enroll for coverage upon hire into a benefited position with coverage, effective the first day of the month following 60 days of covered employment.

Applications for Optional Term Life Insurance requested after initial employment are reviewed based on a medical evidence of insurability information and may be denied on that basis. The premiums (based on amount of coverage, an employee’s age and if the employee is a smoker or non-smoker) appear in the GIC Benefit Decision Guide.

To apply, please request and submit your  GIC Enrollment/Change Form-1 online at MyGICLink.

GIC Basic Life Insurance Rates

Click here for state employee life insurance plan rates.

Optional Retirement Program (ORP)

Members of the Massachusetts Optional Retirement Program are provided a life insurance policy as part of that benefit.