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.
Designating a Beneficiary
Is your AD&D insurance beneficiary information up to date?
You should name a beneficiary for your MetLife insurance coverage(s). This ensures that MetLife will distribute the policy proceeds the way you want after your death.
If you don’t name a beneficiary, or if your beneficiary passes away before you, your insurance proceeds will be paid in accordance with the Facility of Payment as outlined in your Summary Plan Description (SPD) for Life benefits, listed below in the following order:
- Your spouse;
- Your child(ren);
- Your parent(s);
- Your siblings; or
- Your Estate
We encourage you to take a few minutes to review your beneficiary designations, especially after a life event, such as marriage, divorce, birth of a child, etc.
Watch this video to understand the process to add or modify your beneficiaries.
What you need to do:
Please complete the steps below to name or update your beneficiaries through MetLife’s MyBenefits website as soon as possible:
- Gather the following information about each of your beneficiaries
- For individuals, you need the beneficiary's full name, full address, phone number and date of birth.
- For trusts, you need the trust name, address, phone number and trust date.
- Visit the MyBenefits website and enter ‘City of LA' as the Company Name
- Log in to your account by entering your username and password. First time users will need to click “Create a New Account” to choose a username and password and to establish security questions.
- After you log in, click “Add/Update Beneficiaries” and follow instructions to review and update.
- Enter details about each of your beneficiaries.
- Print a copy of your completed beneficiary information for your records.
Changes to your beneficiary are effective immediately. You will also receive an electronic confirmation notice, which allows you to easily print a paper copy of your designations for your records.
If you don’t have access to the internet, contact MetLife at 1-866-574-2863 and request a Beneficiary Designation Form.
For your life coverage (Basic and Supplemental): You can name anyone as the beneficiary of your basic and supplemental life insurance. If you have had a recent change in your family status – such as marriage or divorce – you may need to update your beneficiary. The beneficiary you name for your life insurance benefit may be separate and different from any other beneficiary you name with the City for your other employee benefits, such as your LACERS pension, Deferred Compensation Plan account, etc.
To name or update your beneficiary information, go to keepingLAwell.com and log into your Benefits Central Portal account. You can also call the Benefits Service Center at 833-4LA-WELL (833-452-9355).
For your dependent (Spouse/Domestic Partner and Child) life coverage, you will be the beneficiary.
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.
- Step 1: Visit our website at mybenefits.metlife.com and type in City of LA in the Employer or Association field. Click Next
- Step 2: Log into your MyBenefits account with your username and password or register as a new user.
- Step 3: After you log in, click Group Life Insurance.
- Step 4: On the top of the page, click the Beneficiaries link and follow the instructions to add or update your beneficiaries.
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.