Supplemental Life and AD&D

Supplemental Life and AD&D  

Overview

Supplemental Life and AD&D

You can purchase additional life and AD&D insurance for yourself, as well as coverage for your spouse/domestic partner and your child(ren). You pay the full cost of any supplemental life insurance and/or supplemental AD&D insurance coverage. You must purchase coverage for yourself in order to purchase it for your dependents.

  • Supplemental employee life and AD&D – You may elect the following coverage:
    • Supplemental employee life — $10,000 to $500,000, in increments of $10,000
    • Supplemental employee AD&D — $10,000 to $600,000, in increments of $10,000
    • Guaranteed issue amount for both life and AD&D is $300,000; electing coverage above the guaranteed issue amount will require Evidence of Insurability
  • Spouse/domestic partner life and AD&D – You may purchase:
    • Life and/or AD&D insurance for your spouse or domestic partner in $10,000 increments, up to $250,000 (not to exceed 100% of your supplemental employee coverage amount)
    • Guaranteed issue amount for both life and AD&D is $50,000; electing coverage above the guaranteed issue amount will require Evidence of Insurability
  • Child life insurance – You may purchase life and/or AD&D insurance for your child(ren). Coverage for children from birth to six months is $1,000. Coverage for children age six months to 19 years or to age 26 if a full-time student in $1,000 increments, up to $10,000 (coverage for children from birth to six months is $1,000)
  • Evidence of insurability

    You will need to show proof of good health for life insurance amounts elected above the Guarantee Issue Amount. You will be required to complete an EOI form and submit it to MetLife. In addition, if you decline supplemental life insurance and decide to enroll later due to a qualified life event or future Annual Enrollment, then you must complete an EOI form. MetLife will evaluate and determine whether the requested coverage is approved or denied.
  • Have you named a beneficiary?

    Remember to name a beneficiary for both the Basic and Supplemental Life/AD&D Insurance you choose. If you don't, your benefit will be paid according to insurance company guidelines.
Contacts

Explore this benefits portal to learn more about your benefit option.

 Website
MetLife
Phone
1.800.638.6420