Eligibility and Program Overview
The Maryland State Retirement Agency (MSRA) provides life insurance options primarily for active state employees, retirees, and eligible spouses. Coverage is typically a group term policy with fixed premiums and a death benefit equal to a multiple of the employee's salary. Participation is optional, and enrollment must occur during the annual open enrollment window or within a qualifying life event.
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Where to Search for Life Insurance Options
All life insurance information is centralized on the MSRA intranet portal, accessible via the agency's employee self‑service website. After logging in with your state credentials, navigate to the "Benefits" tab and select "Life Insurance." The page lists plan summaries, premium tables, and downloadable enrollment forms.
Step‑by‑Step Search Process
1. Log in to the MSRA benefits portal.2. Click "Life Insurance" under the Benefits menu.3. Review the plan comparison chart.4. Download the enrollment packet or complete the online enrollment form.5. Submit the form electronically or print and mail it to the Benefits Office.
Plan Comparison Table
| Plan | Coverage Amount | Premium (monthly) | Eligibility |
|---|---|---|---|
| Basic Group Term | 1× annual salary | $15–$30 (varies by age) | All active employees |
| Enhanced Group Term | 2× annual salary | $25–$45 | Employees with 5+ years service |
| Spousal Rider | Up to $50,000 | $5–$10 | Married employees or retirees |
Contact and Assistance
For personalized help, call the MSRA Benefits Help Desk at 410‑555‑0123 or email benefits@msra.maryland.gov. In‑person assistance is available at the agency's main office, 6 St. Paul Street, Baltimore, MD 21202, during business hours.
Key Dates and Deadlines
Open enrollment for life insurance typically runs from the first week of October through the last week of November. Outside this window, changes are allowed only after qualifying events such as marriage, divorce, or the birth of a child.