Open Enrollment 2018Voluntary Supplemental Benefits FAQs

Enrollment is now closed.

  1. Are there any changes to the Voluntary Supplemental Benefits (VSB) for this upcoming year?
  2. Who can enroll in Voluntary Supplemental Benefits?
  3. What benefits are available through the Voluntary Supplemental Benefits plan?
  4. Are my Voluntary Supplemental Benefit premiums pre-tax?
  5. Do I need to re-enroll if I had coverage last year?
  6. If MetLife approved me for $200,000 or $300,000 in Life Insurance during this last year, will I need to reapply and provide a new Statement of Health (SOH)?
  7. Statement of Health — What is it? And more...
Are there changes to the Voluntary Supplemental Benefits (VSB) effective January 1, 2018?

There are no changes to the Voluntary Supplemental Benefits (VSB) plan for 2018. The VSB plan offers you the opportunity to obtain benefits that best suit the needs of you and your family. In 2016 we raised the life insurance levels to more meaningful amounts and in 2017 we introduced the Critical Illness Plan. We are excited to partner with MetLife to provide these benefits.

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Who can enroll in Voluntary Supplemental Benefits?

All employees can enroll, except:

  • members of the bargaining unit Labor, Trades and Crafts (LTC)
  • members of the Teachers’ Retirement System (TRS)
  • on-call Employees
  • employees of the National Guard (including Emergency Guard)
  • short-term non-permanent employees
  • student interns
  • leased employees
  • emergency employees hired for natural disasters, including emergency fire fighters
  • temporary legislative employees

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What benefits are available through the Voluntary Supplemental Benefits plan?
  • Life Insurance
  • Accidental Death and Dismemberment
  • Short-Term Disability
  • Long-Term Disability
  • Critical Illness

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Are my Voluntary Supplemental Benefit premiums pre-tax?

Yes and no. Premiums for coverage other than life insurance are taken on a pre-tax basis. For the life insurance products, premiums up to $50,000 in total pre-tax or employer paid life insurance, including State-provided Basic Life Insurance are not taxed. Premiums attributable to pre-tax or employer paid life insurance amounts over $50,000 are taxable, will show as imputed income on your pay, and will be taxed. Imputed income is the addition of the value of non-cash compensation to an employee's taxable wages in order to properly withhold income taxes from the wages. Premiums for the Critical Illness plan and Select Life are post-tax and will not result in imputed income.

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Do I need to re-enroll if I had a VSB coverage last year?

If you do not make changes in your elections, your elections from 2017 will rollover to 2018.

Important: When you enroll through the online benefits enrollment portal, if you choose “not selected” for a benefit you previously elected for plan year 2017, coverage for that benefit will end December 31, 217.

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If MetLife approved me for $200,000 or $300,000 in Life Insurance during this last year, will I need to reapply and provide a new Statement of Health (SOH)?

If you were approved by for life insurance in the amount of $200,000 or $300,000, your approval will continue.

However, if you apply for either $200,000 or $300,000 of coverage for the first time during Open Enrollment, you will be required to provide a Statement of Health (SOH) to MetLife.

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What is a Statement of Health (SOH)?

Proof of good health, evidenced by a SOH, is a standard part of the application process to elect higher volumes of life insurance. A SOH is a document that includes a series of questions about your overall health, and is sometimes referred to as Medical Evidence of Insurability (MEOI or EOI).

  1. Why are SOHs used?
  2. Who is required to provide a SOH?
  3. If I have questions about the SOH process, who do I contact?
  4. If I elect life insurance at $10,000, $50,000, or $100,000 will I need to complete an SOH?
  5. If I elect the $200,000 or $300,000 option will I need to submit an SOH every year?
  6. What level am I covered at until I am approved?
  7. What happens if I am not approved for the $200,000 or $300,000 option?
  8. How do I obtain and submit the SOH form?
Why are Statements of Health used?

Statements of health are used to protect an employer's group insurance program from adverse risks and to reduce the likelihood of disproportional claims risk. This helps control the cost of the group insurance program and allows the employer to continue offering the coverage.

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Who is required to provide a Statement of Health (SOH)?

Active employees electing life insurance levels at $200,000 or $300,000 will be required to provide an SOH:

  • when electing coverage during open enrollment;
  • when increasing coverage due to qualifying life events; or
  • when electing coverage at initial hire.

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If I have questions about evidence of insurability process, who do I contact?

For questions regarding the SOH process or what may result in a denial of coverage, please contact the insurer, MetLife, directly at 1-800-638-6420.

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If I elect life insurance at $10,000, $50,000, or $100,000 will I need to complete an SOH?

No. Elections of life insurance at these levels do not require proof of good health.

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If I elect the $200,000 or $300,000 option will I need to submit an SOH every year?

As long as you don’t change your level of coverage, you will not be required to submit a new SOH form every year. If you elect to increase or decrease your coverage to either $200,000 or $300,000 after a qualified status change or at a subsequent open enrollment, you will have to provide SOH again. If you decrease coverage below $200,000 in the future, no SOH is required.

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What level am I covered at until I am approved?

If you elect $200,000 or $300,000 in life insurance you are covered at $100,000 until you are approved. For example, if you apply for $300,000, and you pass away before you are approved for $300,000 your beneficiaries will receive $100,000.

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What happens if I am not approved for the $200,000 or $300,000 option?

If you are not approved for $200,000 or $300,000 your coverage will automatically default to $100,000.

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How do I obtain and submit the SOH form?
  • Shortly after Open Enrollment ends, you will receive correspondence from MetLife regarding the SOH, how to complete it, and how to submit it to MetLife. Please do not send your SOH to the Division of Retirement and Benefits or to your employer as it will contain private and personal health information.
  • Upon receipt of your SOH, MetLife will review it and respond either with a request for additional information or an approval or denial within 30-60 days.

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