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Life and AD&D Insurance

What is Evidence of
Insurability (EOI)? Life and AD&D insurance is provided through MetLife.

If EOI is required this means you Basic Life and Accidental Death and
must provide certain information
about your health in order for the Dismemberment (AD&D)
insurance company to review your The company automatically provides you a beneit of $50,000, at no
information and approve you for cost to you, for life insurance and accidental death and dismemberment
coverage .
insurance.

Life and AD&D Insurance At-a-Glance*
MetLife
Employee Life and AD&D Insurance
Basic $50,000
Voluntary $10,000 increments up to 5× annual earnings,
maximum of $500,000; you can elect up to the
guaranteed issue amount of $100,000 without
completing EOI (evidence of insurability)
Living Benefit
If you become terminally ill while covered, you can claim up to 80% of the
combined value of your basic and voluntary life coverage up to $400,000
while you are still living
Dependent Life and AD&D Insurance
Spouse $5,000 increments up to 50% of the amount of
coverage you elect for yourself, maximum of $100,000;
you can elect up to the guaranteed issue amount of
$25,000 without completing EOI
Child 15 days to 6 months: flat $100
6 months to age 26: $1,000, $2,000, $4,000, $5,000,
or $10,000 per child, all guaranteed issue

You must be considered actively at work on your effective date for
coverage to be effective.

Voluntary Life and AD&D Rates per Month per $1,000 of Coverage
Age Range Rate per $1,000
Under 30 $0 .06
30-34 $0 .80
35-39 $0 .09
40-44 $0 .10
45-49 $0 .14
50-54 $0 .20
55-59 $0 .36
60-64 $0 .54
65-69 $0 .96
70 or more $1 .64

22 2019 Benefits Guide