Life and Disability Benefits

2024 USM USM-Sponsored MetLife Benefits Enrollment 

Starting Monday, April 1, 2024, if you’re a Regular or CII employee working 20 hours or more per week, you can enroll in USM-sponsored MetLife Life & Long-Term Disability (LTD) benefits, make changes, or cancel your benefits anytime during the year. You’ll no longer need to wait until the Annual Enrollment Period to enroll in or make changes to your benefits!

Already enrolled and not interested in making changes? Your current coverage will continue seamlessly; no action is required.

How to Enroll in USM MetLife Optional Life & Long-Term Disability 

1. Visit MetLife USMD Portal.

2. Click the Enroll/View Coverage button.

3. Log In:

• Employee ID: Your W Number (e.g., W1123456, no dashes or spaces)

• Initial PIN/password: Last four digits of your W number followed by your

four-digit birth year (e.g., 34561989)

4. Update Beneficiaries (if necessary) and review your coverage options.


Term Life Insurance

Term life insurance is available through the State of Maryland Department of Budget and Management (DBM) and the University System of Maryland (USM). Benefit-eligible employees may enroll in both plans.


MetLife  1-866-574-2863 


MetLife (Effective April 1, 2021)

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Life Insurance Plan Comparison


Accidental Death and Dismemberment

MetLife  1-866-574-2863


Long-Term Disability

The University System of Maryland (USM) offers long-term disability (LTD) benefits through MetLife (Effective April 1, 2021). The LTD plan provides employees with a percentage of their gross monthly salary if they cannot work because of a covered injury or illness. 

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