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Employee and Retiree Service Center → Employees → Benefits → Life Insurance → Dependent Life Insurance 

Dependent Life Insurance

Employees who are enrolled in basic employee term life insurance automatically receive basic dependent term life insurance at no additional cost. Employees may also elect to purchase additional dependent life insurance coverage.

Basic Dependent Term Life Insurance

If you are enrolled in basic life insurance, you automatically receive basic dependent life insurance as follows:

  • $2,000 for your eligible spouse and
  • $1,000 for each eligible dependent child(ren).

MCPS pays 100 percent of the cost for basic dependent life insurance. You are always the beneficiary for dependent life insurance.

Optional Dependent Term Life Insurance

If you are enrolled for basic life insurance, you may choose to purchase additional dependent life insurance in the amount of $10,000 for each eligible dependent. The cost of coverage is based on a flat rate, regardless of the number of dependents you enroll.

 You pay for the full cost of this coverage.

Enroll/Cancel Optional Dependent Term Life Insurance

Employees may enroll within 60 days of initial employment or during a future open enrollment by providing evidence of insurability and receiving approval from the insurer. The process of providing evidence of insurability will be initiated by the Employee and Retiree Service Center (ERSC) after your enrollment form has been processed with our office. You may cancel this coverage at any time.

MCPS Form 450-2: Optional Dependent Term Life Insurance Enrollment/Cancellation 

Montgomery County Public Schools

Contact MCPS

Call: 301-309-6277 | Spanish Hotline: 301-230-3073

Contact Employee & Retiree Services Center

Call: 301-517-8100 | E-mail:

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