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Accidental Death & Dismemberment (AD&D) and Life Insurance

Accidental death & dismemberment (AD&D) pays in the event of accidents on or off the job while travelling by public or private transportation.

Life insurance provides an added layer of financial protection for you and your family, paying in the event of a covered member's death.

AD&D and life plans work in addition to any coverage you have with other benefits. If your company pays for life and AD&D, these voluntary plans will stack on top of that employer-sponsored coverage.

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Benefit Features

AD&D Features:

Employee coverage up to $500,000 in increments of $10,000, up to 5x salary
Spousal coverage up to $250,000 in increments of $5,000, up to 50% of employee's coverage
Dependent AD&D maximum of $10,000 coverage in increments of $2,000, up to 50% of employee's level of overage

Life Features:

Same maximum coverage amounts and limits for employe & spouse as AD&D
Dependent life for ages 14 days-6 mo: $250 max. Flat $10,000 to age 25 if unmarried FT student
Terminal illness (under 12 mos. expectancy): Advance up to 75% of your benefit early. The remaining 25% is paid upon death.

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Here's a quick overview:

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AD&D Details

Accidental death and dismemberment (AD&D) coverage pays in the event of accidents on or off the job while traveling by public or private forms of transportation.

COST | per month

MAX. COVERAGE

COVERAGE OPTIONS

Employee

$0.032 per $1,000 cvg

$500,000

up to 5 times employee salary
in increments of $10,000

Spouse

$0.034 per $1,000 cvg

$250,000

up to 50% of employee cvg
in increments of $5,000

Child(ren)

$0.034 per $1,000 cvg

$10,000

up to 50% of employee cvg
in increments of $2,000

Coverage is delayed if you are not actively at work due to illness, injury, layoff, or leave on the plan's effective date.
Coverage is delayed if your dependent is totally disabled on the effective date (except newborns, who are covered from birth).

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Voluntary Life Insurance Details

Life insurance provides an added layer of financial protection for you and your family, paying in the event of death.

GUARANTEE ISSUE

MAX. COVERAGE

COVERAGE OPTIONS

Employee

$150,000

$500,000

up to 5 times employee salary
in increments of $10,000

Spouse

$25,000

$250,000

up to 50% of employee cvg
in increments of $5,000

Child(ren)

$10,000

14 days-6 mo: $250 cvg max.
6 mo-25 years (if unmarried FT student): flat $10,000 cvg

Guarantee issue applies to new hires only. Coverage drops by 35% at age 65, 60% at age 70, and 75% at age 75. Plan terminates at age 80 or retirement.
Employee coverage delayed if not actively employed on effect date.
See details and life insurance costs in the Plan Documents.

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Answers to Your Questions

If you enroll in life benefits during your initial eligibility period, coverage is granted with no conditions or underwriting up to the guarantee issue amount.

While these amounts apply to life insurance, all AD&D coverage is guarantee issue at any amount.

If enrolling in life after your initial eligibility period or for more than the guarantee issue, you will be contacted to complete an evidence of insurability (EOI) form.

Once contacted, you have 30 days to complete the EOI. The next opportunity to apply will be the next annual open enrollment period. Enrollments or increases over guarantee issue will be active after Nextep is notified of approval.

AD&D coverage is not subject to underwriting. Coverage will be approved at any eligible amount.

AD&D and life will be delayed if not actively employed on the date insurance would become effective. Dependent coverage will be delayed if totally disabled on the effective date.

If terminally ill and not expected to live past 12 months, you may request an accelerated benefit payout of up to 75%. The remaining 25% will be paid to your beneficiaries upon your death.

Deciding how much life insurance to purchase is a personal decision that varies from family to family.

To estimate the amount of life insurance your family would need, first calculate everything you now provide for your family, including:

Benefits/health insurance
401(k) and retirement savings
Personal services you perform for your family, such as child care, cooking, home maintenance, etc.
Then subtract your expenses, including annual spending on personal needs, such as food, clothing, entertainment, etc.

Use the MetLife Calculator

When it's time to enroll, you can view pricing for all plan options right in your Elevate by Nextep™ account or mobile app. As you click through the enrollment screens, a running tally will track and display your monthly costs in real time.

Need help choosing? Use the built-in Decision Support tool to get tailored benefit recommendations based on your unique lifestyle and budget.

Log in through the Elevate by Nextep™ account in the Benefits section to access your benefits online. You can also call 1-800-GET-MET8.

To file a claim for AD&D or life benefits, contact MetLife at 1-800-GET-MET8. Visit MetLife's Claims Resources to download forms, update beneficiaries, or file a claim.

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