VAD&D Insurance

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Complement your life insurance with coverage

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Voluntary Accidental Death and Dismemberment

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Designating a Beneficiary

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Voluntary Accidental Death & Dismemberment Insurance (VAD&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. VAD&D can provide financial security should a sudden accident take your life or cause you serious loss or harm. This coverage complements your life insurance coverage and helps protect you 24 hours a day, 365 days a year

Note: Retirees and their family members are not eligible for VAD&D coverage.

The VAD&D coverage is a voluntary benefit in which you pay the entire premium. More details are available in the Plan Summary.

VAD&D coverage is available in amounts of $100,000 up to $300,000 in $100,000 increments for you or for you and your family.

In the family plan, the dependent will receive a percentage of the employee’s VAD&D coverage.

Family Plan Percentage

  • Spouse + children – 55%
  • Spouse only – 65%
  • Each child + spouse – 15%
  • Child only – 25%

Note: Each dependent child eligible up to a maximum of $50,000.

Premiums for VAD&D coverage are based on the amount of coverage you elect. These rates are guaranteed until December 31, 2022.

Plan Rates

Employee Only Coverage Amount Monthly Cost of Coverage
$100,000 $1.20
$200,000 $2.40
$300,000 $3.60
 
Employee + Family Coverage Amount Monthly Cost of Coverage
$100,000 $2.30
$200,000 $4.60
$300,000 $6.90

Is your VAD&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.

What you need to do:
To view and update your designated beneficiary please visit: http://boonchapman.benselect.com/neba. For questions or assistance changing your beneficiary, please contact 888-592-2681.

Plan Details

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VAD&D Insurance FAQs

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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. Exact rates can be found in the Plan Summary.

Your Voluntary Accidental Death and Dismemberment insurance can be cancelled by emailing the cancellation request to NEBAadmin@gisbenefits.net.

*Please review the other insurance tabs to ensure the cancellation process is the same.

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