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

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

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 2020 Benefits Guide