Basic Life and AD&D

Life and AD&D coverage helps protect your loved ones in the event of your death or serious injury. Even if you’re single, your beneficiary can use your Life insurance benefits to pay off your debts, such as credit cards, mortgages, and other final expenses.

    Basic Life insurance – You receive Basic Life insurance coverage at no cost to you, and you do not need to enroll in any other health and protection program.

    Basic Life through Metlife insures you for 1.5 times your basic annual earnings, up to a maximum of $500,000.

    Metlife Life Insurance 2 insures you for 1.25 times your basic annual earnings, up to a maximum of $500,000.

      Basic AD&D is included with your Basic Life coverage and provides you specified benefits for a covered accidental bodily injury that directly causes dismemberment (i.e., the loss of a hand, foot or eye). If death occurs from an accident, 100% of the AD&D benefit would be payable to your beneficiary(ies).

        Voluntary Life Insurance

         In addition to Basic Life and AD&D, eligible employees may purchase additional Voluntary Life insurance at favorable group rates. Participants pay 100% of the premium. Note: It is important to provide beneficiary information during the enrollment process and keep this information up to date. If you decline Voluntary Life insurance when first eligible or if you elect coverage and wish to increase your benefit amount at a later date, evidence of insurability may be required before coverage is approved.

        For you: Increments of $10,001 up to lesser of 5x covered annual earnings or $500,011. Guaranteed issue of $10,011.

        For your spouse: Increments of $5,001 up to lesser of 50% of employee amount or $100,011. Guaranteed issue of $5,011.

        For your children: $2,000, $5,000 or $10,000 (age may affect benefit) up to $10,011. Guaranteed issue of $10,011.

        Voluntary AD&D Insurance

        Voluntary AD&D insurance allows you to purchase accidental death and dismemberment coverage that pays your beneficiary if you have a fatal accident. If you experience a serious injury such as a loss of a limb, speech, sight or hearing, the plan pays a benefit to you.

        For you: Increments of $10,005 up to lesser of 5x covered annual earnings or $500,015

        For your spouse: Increments of $5,005 up to lesser of 50% of employee benefit amount or $250,015

        For your children: Increments of $2,005 (age affects benefits) up to $10,015

        Voluntary Life Insurance

        Voluntary AD&D Insurance

         In addition to Basic Life and AD&D, eligible employees may purchase additional Voluntary Life insurance at favorable group rates. Participants pay 100% of the premium. Note: It is important to provide beneficiary information during the enrollment process and keep this information up to date. If you decline Voluntary Life insurance when first eligible or if you elect coverage and wish to increase your benefit amount at a later date, evidence of insurability may be required before coverage is approved.

        For you: Increments of $10,001 up to lesser of 5x covered annual earnings or $500,011. Guaranteed issue of $10,011.

        For your spouse: Increments of $5,001 up to lesser of 50% of employee amount or $100,011. Guaranteed issue of $5,011.

        For your children: $2,000, $5,000 or $10,000 (age may affect benefit) up to $10,011. Guaranteed issue of $10,011.

        Voluntary AD&D insurance allows you to purchase accidental death and dismemberment coverage that pays your beneficiary if you have a fatal accident. If you experience a serious injury such as a loss of a limb, speech, sight or hearing, the plan pays a benefit to you.

        For you: Increments of $10,005 up to lesser of 5x covered annual earnings or $500,015

        For your spouse: Increments of $5,005 up to lesser of 50% of employee benefit amount or $250,015

        For your children: Increments of $2,005 (age affects benefits) up to $10,015