Serving those who serve South Carolina

Life insurance

Term life insurance with accidental death and dismemberment coverage is available to eligible employees. Beginning January 1, 2018, MetLife will underwrite the life insurance coverage.


Basic life insurance

Employees are automatically enrolled in Basic Life Insurance at no cost if they have State Health Plan coverage. This policy provides $3,000 in coverage. A matching amount of Accidental Death and Dismemberment insurance is also included.


Optional life insurance

Additional coverage is available for you and your dependents. You pay all premiums, with no contributions from your employer. Coverage will reduce to 65 percent at age 70, 42 percent at age 75 and 31.7 percent at age 80.


Optional Life insurance

You can choose coverage in $10,000 increments up to three times your salary or $500,000, whichever is less. You can apply for a higher benefit level, up to $500,000 with medical evidence. The policy includes a matching amount of Accidental Death and Dismemberment insurance. Premiums are determined by your age as of the previous December 31 and your coverage amount. Employees can pay premiums for coverage up to $50,000 before taxes with MoneyPlus.


Dependent Life-Spouse

You can elect coverage in $10,000 increments. The maximum coverage level is $100,000 or 50 percent of your Optional Life amount, whichever is less. If you are not enrolled in Optional Life coverage, you can still choose $10,000 or $20,000 of coverage. The policy includes a matching amount of Accidental Death and Dismemberment insurance. Evidence of insurability is required for all amounts of more than $20,000. It is also required for coverage not elected when the dependent first becomes eligible under the Plan or due to a special eligibility situation.


Dependent Life-Child

You can cover children up to age 19, or age 25 if a child is a full-time student. The benefit is $15,000. You will pay the same monthly premium regardless of the number of children covered.



You can enroll in optional life insurance coverage during:

  • Your initial enrollment;
  • Open enrollment in October; or
  • A special eligibility situation.


Options for retirement

When you retire, you can continue or convert your Optional Life coverage. You have the option to continue your term life insurance. Your retiree coverage will end on January 1 following your 75th birthday. You can also covert your coverage to a whole life policy, which is a permanent form of life insurance. Learn more about your options when you retire in the Life insurance chapter of the Insurance Benefits Guide.


Learn more



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