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Life Insurance

Albemarle County provides, at no charge, group life insurance to both full-time employees and those part-time employees that are eligible for benefits.  Both group life insurance plans pay double your annual salary for natural death and quadruple for accidental death. Supplemental insurance is available at individual expense at a low group rate.
Full-time employees are covered through Minnesota Life/VRS and part-time employees are covered through MetLife. Benefits-eligible employees must designate beneficiaries. Full-time employees may elect payments to made in the order of precedence as established by law.  The order of precedence established by law is:
  1. Spouse;
  2. If no surviving spouse, to your children and descendents of deceased children;
  3. If none of the above, to your parents equally or to the surviving parent;
  4. If none of the above, to the duly appointed executor or administrator of your estate;
  5. If none of the above, to other next of kin entitled under the law of the state you live in at the time of death.

Please note that only blood-related and legally adopted children are recognized when electing to follow the precedence established by law. If your situation includes individuals not legally related to you, you should elect to designate each individual separately on the form.  Part-time employees must separately designate beneficiaries. You may change your beneficiary election at any time.


Optional Life Insurance

Voluntary term life insurance policies under VRS (Minnesota Life) and Symetra offer additional financial protection for your family. These plans feature low term rates, convenient monthly payroll premium deductions, and the option of portability if you leave your employment with the County. Employees may also cover their spouses and children under both plans.
VRS Optional Group Life (Minnesota Life): For full-time employees only. Benefits offered at 1x/2x/3x/4x your annual salary (up to $700k). 
Symetra: For full and benefits-eligible part time employees. Coverage offered from $10k to $100K, in $10k increments.
Symetra (FT/PT Employees)​ ​Minnesota Life (FT Employees)
  • Up to $100,000 of coverage, in $10,000 units​
  • 1x to 4x annual earnings, up to $700,000 in coverage​
  • $50,000 maximum coverage
  • Cost based on age of employee​
  • $350,000 maximum
  • Cost based on age of spouse​
  • $5,000 per child
  • $.99 per month covers all children
  • Up to age 19 (23 for students)​
  • $10,000, $20,000 or $30,000 per child
  • $1, $2, or $3 per month for all children
  • Up to age 21 (25 for students)​
IMPORTANT: Employees (including spouses and dependents) enrolling in either optional plan after the first 30 days of employment MUST submit the Evidence of Insurability (Proof of Good Health) form along with the application. The Minnesota Life Evidence of Insurability form is found in the informational brochure. Those wishing to enroll in a Symetra policy will need to submit a letter from their physician stating current state of health. NOTE:  All enrollment forms and supporting documents should be sent directly to the Human Resources Department. Please DO NOT submit application forms directly to Minnesota Life or Symetra.  If you need assistance in this regard, please contact the Human Resources Department at (434) 296-5827.  
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 Life Insurance Links

 VRS Optional Life Insurance Info and Enrollment
 VRS Beneficiary Designation Form

 Life Insurance Documents

Metlife Enrollment Change Form.pdfMetlife Enrollment Change Form
Symetra Change of Beneficiary Designation.pdfSymetra Change of Beneficiary Designation
Symetra Life Insurance Plan Information.pdfSymetra Life Insurance Plan Information


Contact Us:

Phone: 434-296-5827
Email:  Benefits