Life & AD&D Insurance
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The Company offers Basic and Optional Life and Accidental Death & Dismemberment (AD&D) Insurance administered by MetLife to help remedy the financial burden a death may cause your family.
Types of Life & AD&D Insurance
Basic Life
The Company provides Basic Life Insurance of 1x your annual base pay, up to a maximum of $300,000 — at no cost to you.
Optional Life & AD&D
You can purchase additional coverage for you and your family for extra protection and peace of mind. Costs are deducted from your paycheck. If you leave the Company, you may be able to take this coverage with you by paying premiums directly to MetLife, if you elect to do so in a timely manner. For more information, view the MetLife Life and AD&D Insurance Flyer.
Optional AD&D benefit amount
The Optional AD&D amount a dependent would receive on claim approval differs for an employee and covered eligible dependents:
- Spouse only (no children) — 60% of your amount, up to a maximum $750,000
- Child(ren) only (no spouse) — 25% of your amount, up to a maximum $250,000
- Spouse and child(ren) — 50% of your amount for your spouse, up to a maximum $750,000, and 20% for your child(ren), up to a maximum $150,000
Important information
- You cannot cover another employee as a spouse or child under Life and AD&D Insurance.
- If you increase your Life Insurance coverage while on a leave of absence, the increase won’t take effect until you’re actively back at work.
Life & AD&D Insurance coverage summary
If you choose Optional Life and/or AD&D coverage for your family, you will need to indicate which dependents you want enrolled in coverage.
Benefit cost
File a claim
To report a death and file a claim for spouse/domestic partner or child life iInsurance, please call MetLife at 888-447-8996, press 3 (for life insurance), and then press 2 to report a death. In the event of your death, a family member or other representative should contact Human Resources, who will provide information to MetLife.
Free additional programs
Included with Basic Life
- Online will preparation: Easily prepare or update a will, living will, or power of attorney online 24/7 with MetLife’s willscenter.com.
- Digital estate planning: You can receive unlimited access to MetLife’s Digital Estate Planning. Create estate planning documents online by answering just a few simple questions at legalplans.com/estateplanning.
- Funeral discounts and planning: Tap into an extensive network of funeral homes and cemeteries to pre-plan with a licensed counselor and receive a discount on funeral services through Dignity Memorial. Call 866-853-0954 or visit finalwishesplanning.com.
- Grief counseling: You and your dependents will have up to five private, face-to-face or over-the phone counseling sessions per event with a professional grief counselor. Connect with LifeWorks, US Inc. 24/7 at 888-319-7819 or at metlifegc.lifeworks.com (username: metlifeassist / password: support).
Included with Supplemental Life
Everything that’s included with MetLife Basic Life Insurance coverage plus:
- Will preparation: Meet in person with an attorney to prepare or update a will, living will, or power of attorney. Call MetLife Legal Plans’ toll-free number at 800-821-6400.
- Estate resolution services: Feel confident you’ve made the right decisions with unlimited consultations with an attorney, even in court. Create an account at legalplans.com/estateplanning.