You have two options for coverage continuation if your insurance with Maricopa County ends: Conversion and Portability.
If your Life insurance ends, for any reason other than failure to make a required premium contribution or payment of an Accelerated Benefit, you may convert qualifying amounts of your coverage to an individual life insurance policy without providing Evidence of Insurability.
You must apply for Conversion in writing and pay the first premium within 45 days after termination of your coverage. Premium rates for converted coverage differ from rates for coverage under the Group Policy.
Dependents may also convert qualifying amounts if their Life insurance ends. In the case of your death or divorce, your Spouse may apply for convert Dependents Life insurance for him or herself and any eligible Child(ren). AD&D Insurance may not be converted.
If your insurance ends because your employment terminates, you may be eligible to buy qualifying amounts of Group Life, AD&D, and Dependents Life insurance from The Standard through the Portability of Insurance provision, assuming you meet the eligibility requirements.
You must elect Portability in writing and pay the first premium within 45 days after you cease to be a Member.
Please note that if you do not port your Life insurance, you may not port AD&D or Dependents Life insurance.
Premium rates for ported group coverage differ from rates for coverage under the Group Policy.
See the Group Life Insurance Certificate for details of when ported coverage ends.
For more information, please refer to the Right to Convert and Portability sections of the Group Life Insurance Certificate
If you have questions, please call The Standard at 888.414.0396, Option 3. Rate information is also available by calling The Standard.