Life and AD&D Insurance

MetLife is the administrator for Life and AD&D Insurance.

Benefit	Coverage
Supplemental Employee	Up to 5 times your base annual earnings, in $10,000 increments, up to $1 million. When first eligible, up to $400,000 without providing a Statement of Health (SOH). Rates may increase throughout the year based on age.
Dependent Spouse	Between $10,000 and $250,000 in $5,000 increments (as long as the coverage amount does not exceed Supplemental amount). Your spouse can get up to $35,000 without providing SOH. You may not cover your spouse as a dependent if your spouse is enrolled for coverage as an employee.
Dependent Child	$5,000 or $10,000 per child (SOH is not required). Coverage ends on the day a dependent turns age 26. No dependent child can be covered by more than one employee in the plan. No dependent child can be covered as both an employee and a dependent.

Benefit

Coverage

Supplemental

Employee

Up to 5 times your base annual earnings, in $10,000 increments, up to $1 million.
When first eligible, up to $400,000 without providing a Statement of Health (SOH).
Rates may increase throughout the year based on age.

Dependent Spouse

Between $10,000 and $250,000 in $5,000 increments (as long as the coverage amount does not exceed Supplemental amount).
Your spouse can get up to $35,000 without providing SOH.
You may not cover your spouse as a dependent if your spouse is enrolled for coverage as an employee.

Dependent Child

Note:

You must purchase Supplemental Life Insurance for yourself in order to purchase coverage for your dependents, and you cannot elect greater Supplemental Life coverage for your dependents than you elect for yourself.
Basic Life and Supplemental Life Insurance benefits decrease after you turn age 65 and are based on your salary as of age 65. Coverage in effect on the day before your 65th birthday will decrease on and after age 65 as you age. If you’re:
- Age 65 but less than 70, your benefit reduces to 65%
- Age 70 but less than 75, your benefit reduces to 45%
- Age 75 or older, your benefit reduces to 25%
You may be able to convert your coverage.
AD&D coverage pays your beneficiary an extra benefit if you die in an accident, or pays you a benefit if you have a significant injury. The AD&D benefit is equal to your Basic Life Insurance benefit amount.

Your option: