FirstEnergy provides a level of financial protection for you in the event of your spouse, domestic partner or child's death.

  • MetLife is the insurance carrier.
  • The Dependent Life Insurance plan offers six levels of coverage for your spouse/domestic partner and unmarried children (up to age 26).

Coverage Tier

Spouse/Domestic Partner Coverage

Coverage per Child

Monthly premium

Tier 1

$10,000 $5,000 $2.39

Tier 2

$20,000 $10,000 $4.68

Tier 3

$40,000 $20,000 $9.36

Tier 4

$60,000 $20,000 $13.39

Tier 5

$80,000 $20,000 $17.61

Tier 6

$100,000 $20,000 $21.83


  • The deductions for this coverage are taken from your pay on an after-tax basis.
  • If you are married to another FirstEnergy employee, you may both elect Dependent Life coverage but only one employee can elect to cover your dependent child(ren).
  • If you elect Tier 5 or 6 as a new hire, your spouse or domestic partner will be required to complete health questions.  If health questions are not returned to MetLife, Tier 4 coverage will be assigned.
  • If you make any changes to your election, you will be required to answer health questions.