AD&D Insurance
Accidental death and dismemberment (AD&D) insurance complements your life insurance with coverage for severe accidents or loss of life on or off the job.
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Accidental Death and Dismemberment (AD&D) Insurance
The AD&D insurance pays benefits if you suffer a covered accident that results in paralysis or the loss of a limb, speech, hearing or sight, or if you suffer a covered fatal accident. It can provide financial security should a sudden accident take your life or cause you serious loss or harm and helps protect you 24 hours a day, 365 days a year.
Note: Retirees and their family members are not eligible for AD&D coverage.
Accidental Death and Dismemberment (AD&D)
The AD&D coverage is a benefit in which you pay the entire premium.
You can choose the AD&D options that meets your needs - $50,000 increments up to $500,000.
ADD for Dependent Spouse and Child(ren):
- Spouse/Domestic Partner — $5,000 increments up to the lessor of your Accidental and Dismemberment benefit or $250,000.
- Child(ren) — $5,000 increments up to the lessor of your Accidental and Dismemberment benefit or $50,000.
Cost for your and your family:
| AD&D Coverage Option | Monthly Rate per $1,000 of coverage |
| Employee Rate | $0.011 |
| Family Rate | $0.026 |
Your Personalized Benefit Statement that you receive in your Open Enrollment package will show your AD&D coverage costs. You may also log into your Benefits Central Portal account at KeepingLAwell.com to view your personalized AD&D costs.
AD&D Insurance FAQs
This is a competitively priced way to protect your family and finances in the event something happens to you. For many people, these coverages help ensure that if the unforeseen should happen, short- and long-term financial obligations could be met. If you have a spouse and/or children, they may rely on you to help keep the household running. It’s important to take steps to make sure your family would be financially prepared if you were no longer there to handle expenses like:
- Mortgage or rent payments
- Insurance premiums
- Transportation
- Utilities
- Child care/education fees
- Credit card
It may be less expensive than you think.
You can select any beneficiary(ies) other than your employer for your Basic and Supplemental coverages, and you may change your beneficiary(ies) at any time. You can also designate more than one beneficiary. You are the beneficiary for your Dependent coverage.
This summary provides an overview of your plan’s benefits. These benefits are subject to the terms and conditions of the contract between MetLife and the City of LA and are subject to each state’s laws and availability. Specific details regarding these provisions can be found in the booklet certificate.
Life coverage is provided under a group insurance policy (Policy Form GPNP99/G2130-S) issued to your employer by MetLife. Life coverage under your employer’s plan terminates when your employment ceases, when your Life contributions cease, or upon termination of the group contract. Should your life insurance coverage terminate for reasons other than non-payment of premium or voluntary cancellation, you may convert it to a MetLife individual permanent policy without providing medical evidence of insurability.