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.
Voluntary Accidental Death and Dismemberment (VAD&D) Insurance
The 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. 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 VAD&D coverage.
Voluntary Accidental Death and Dismemberment (VAD&D)
The VAD&D coverage is a voluntary benefit in which you pay the entire premium.
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, 2024.
VAD&D rates
| Employee only coverage amounts | Monthly cost of coverages |
|---|---|
| $100,000 | $1.20 |
| $200,000 | $2.40 |
| $300,000 | $3.60 |
| Employee + family coverage amounts | Monthly cost of coverages |
|---|---|
| $100,000 | $2.30 |
| $200,000 | $4.60 |
| $300,000 | $6.90 |
Designating a Beneficiary
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.
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 ‘State of Maryland’ 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.
VAD&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.
Enroll Today
Enroll nowThis 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 State of Maryland 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.