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Voluntary Supplemental Benefits (VSBs) offer you the opportunity to obtain benefits that best suit the needs of yourself and your family. Enrollment in any VSB plan is optional—choose only the plans and coverage levels that meet your needs.

All state employees and employees of a participating political subdivision are eligible to participate in open enrollment.

Visit the VSB webpage for eligibility rules and detailed information about each benefit.

Short-Term Disability

Short-Term Disability Insurance protects you in the event of a brief absence from work due to disability. It can also fill in the 180-day waiting (elimination) period before Long-Term Disability benefits begin. You may elect the Short-Term Disability plan alone or with one of the Long-Term Disability plans.

Your Short-Term Disability benefit payments will begin on the later of:

• 7 days of disability (benefits begin on the 8th day)
• The date you stop receiving paid leave

Please note that payments from other income sources, like personal leave or workers’ compensation, can reduce any Short-Term Disability benefit you are entitled to. This means that if you have accrued a high balance of unused hours in your leave bank, the Short-Term Disability plan may not be the best option for you. Please review your situation carefully so you can make the decision that is best for you and your family.

You can find more information about the disability insurance plans on the VSB webpage or in the Disability Insurance brochure .

Reduced Premiums

Effective January 1, 2025, you will see a slight reduction in the premiums for Select Life, Supplemental Life, Supplemental Accidental Death and Dismemberment, and Long-Term Disability insurance.

2025 Voluntary Supplemental Benefits and Group Life Premiums

You can change or enroll in your VSB options during an open enrollment period or within 30 days of a "qualified status change." Simply click the “Enroll Now” button at the top of this page.

You can select from the following VSB options:

• Life Insurances
• Accidental Death and Dismemberment Insurances
• Disability Benefits (short-term and long-term)
• Critical Illness

Upon hire, you are automatically enrolled in employer paid benefits such as basic life, basic accidental death and dismemberment (AD&D), and basic travel accident. These benefits are provided to you premium-free by your employer.

To learn more about each of these employer sponsored benefits, please visit our VSB webpage.

Getting Prepared Before You Enroll

• Review your options, including any changes in premiums or benefits. Think about what options will work best for you and your family in the upcoming year.
• Log in to the VSB enrollment system to review your dependents/beneficiaries and ensure the information is still accurate.
• Log in to the VSB enrollment system to review and make any necessary changes to your benefits.
• If you do not participate in this year’s Open Enrollment period, your current elections will roll over to the 2025 plan year.

Changing your coverage before Open Enrollment ends

You may change your mind about any benefit choices as long as you re-enroll in your final choices before the enrollment deadline. Remember, each time you re-enroll, a new enrollment is processed. The previous enrollment will no longer exist. Make sure to re-select each of your elections and print your confirmation page for your records.

Changing your coverage after Open Enrollment ends

After open enrollment ends at 5 p.m. on the last day of the enrollment period, you will not be able to make changes to your benefits unless you have a qualified life event. Make certain you have elected coverage that is the right fit for you and your eligible dependents.

After open enrollment, you can only make changes in conjunction with a qualified status change or other applicable event. Examples can include a change in your employment, legal marital status, or the birth of a child.

For a complete list, see the eligibility provisions in the specific MetLife Insurance Certificate. You must make changes and report most qualifying status changes or other applicable events within 30 calendar days from the event.