Voluntary AD&D
Voluntary Accidental Death & Dismemberment (VAD&D) insurance is a separate election from Group Universal life insurance and provides coverage for severe accidents or loss of life. It covers various losses such as loss of limbs, sight, speech and hearing, various forms of paralysis, brain damage, and coma.
VAD&D coverage is available for you and your dependents as follows:
Employee: 1 to 5 times your base annual earnings up to $1,500,000
Spouse/Domestic partner Only: 50% of your coverage amount up to $750,000
Spouse/Domestic partner & Child(ren): Spouse: 40% of your coverage amount up to $750,000 and Child(ren): 10% of your coverage amount up to $150,000
To complement your VAD&D MetLife insurance coverage, you have access to Travel Assistance1 services, a unique program where you and covered family members (enrolled employee and their eligible dependents) can contact representatives to administer emergency medical, travel and personal assistance services on your behalf wherever you are in the world.
Voluntary Accident & Dismemberment (VAD&D) Insurance
Life has changed, but the need to protect and provide for loved ones has not.
Documents & Certificates
Resources
Life Insurance FAQs
While having life insurance provided by your employer is a great benefit, it’s possible that it may not be enough to adequately provide for your family. Additional life insurance can give your family greater financial security if you are no longer here to earn a paycheck.
Everyone is different, but you may need more than you have now. The insurance you need changes as your life changes—for example, getting married, starting a family or buying a home might change the coverage you need. Many people are surprised to learn that they don’t have enough life insurance to cover the many expenses their loved ones may face. It’s simple to determine the amount of coverage you need now.
Go to www.metlifeiseasier.com to calculate how much life insurance may be right for you or scroll down and link to the Life Insurance Calculator.
It may be less expensive than you think. MetLife’s group life insurance plans are an economical way for you to provide for your family with competitive group rates and a wide range of coverage options to choose from. Exact rates can be found in the enrollment materials provided by your employer.
Premiums are conveniently paid through payroll deduction, so you don’t have to worry about writing a check or missing a payment.
- You get competitive group rates and a wide range of coverage options to choose from
- Proceeds are generally income-tax free and can be paid to your beneficiary in a lump-sum payment
- You will have the convenience of having premiums automatically deducted from your paycheck
With portability, you can take your life insurance benefits with you without a gap in coverage. You can continue your Group Life insurance coverage with MetLife should you leave your employer for any reason. Competitive rates apply but will likely be higher than your current rates. MetLife will bill you directly2.
Accelerated Benefit Option (ABO) is a life insurance feature that allows you to receive a portion of your life insurance benefit prior to passing away if you’ve been diagnosed as terminally ill with no more than a specified number of months to live. The money can be used for any purpose. Please see the attached flyer