Page 20 - TCW_Benefit Guide_2019 FINAL

INCOME PROTECTION

MONTHLY COST
Supplemental Group Term Life Insurance is paid for by the employee. Monthly after-tax costs
for you and your spouse are calculated separately based on each of your ages.
The chart below shows the cost per $1,000 of benefit by employee or spouse age:

AGE COST
18-29 $0.07
30-34 $0.08
35-39 $0.11
40-44 $0.15
45-49 $0.28
50-54 $0.46
55-59 $0.74
60-64 $1.23
65-69 $1.70
70-74 $3.08
75-79 $4.66
80-84 $7.48
The chart below shows the after-tax cost for all dependent children:

$5,000 Benefit $1.28
$10,000 Benefit $2.56

Please refer to www.mybenefits.metlife.com for supplemental coverage options and pricing.

ACCIDENTAL DEATH & DISMEMBERMENT (AD&D) INSURANCE (EMPLOYEE PAID)
You may purchase AD&D coverage through MetLife in the following amounts:

• 1 x annual earnings
• 2 x annual earnings
• 3 x annual earnings
Coverage is rounded up to the next $1,000. The maximum you can elect is $500,000. Cost for
coverage is $0.017 per month per $1,000 of coverage.

For example:

• You elect 1 x earnings ($75,000), the cost per month would be $1.28.

SPOUSE AND CHILD AD&D (EMPLOYEE PAID)
When you purchase AD&D Insurance coverage for yourself, you may also purchase coverage
for your spouse or domestic partner. Your spouse or domestic partner’s benefit may not
exceed 50% of your own AD&D Insurance benefit. You may also purchase coverage for
your child(ren).
SPOUSE COVERAGE COST CHILD COVERAGE COST
$10,000 $5,000
$0.017 per month, per $0.01 per month, per $1,000
$25,000
$1,000 of coverage $10,000 of coverage
$50,000
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