Page 14 - 2019 Blacoh Benefit Guide Final 11/14/18

Life Insurance & Services

MetLife|Basic Life and AD&D
Basic Group Term Life / Accidental Death and Dismemberment (AD&D) insurance is an important
part of a complete benefits package. It provides protection to you and your beneficiaries. Please
remember to update your beneficiary.

MetLife|Voluntary Life and AD&D

In addition to the company provided Basic Life and AD&D benefits, you may elect to purchase additional Term Life and
AD&D insurance at discounted group rates provided by Met Life. You pay for this coverage with after-tax dollars through
convenient payroll deductions. You may purchase coverage for yourself and your eligible dependents as follows:
• Employee: You may purchase coverage for yourself in increments of $10,000 up to a maximum benefit of $500,000, not
to exceed 5 times your annual salary.
• Spouse: If you buy coverage for yourself, you may also purchase coverage for your eligible spouse. Benefits for your
spouse are available in increments of $5,000 to a maximum benefit of $100,000 and may not exceed 50% of your
employee election.
• Child(ren): If you buy coverage for yourself, you may also purchase coverage for your eligible dependent child(ren) in
the following amounts: Age: 6 months to 26: Flat $1,000, $2,000, $4,000, $5,000 or $10,000. 15 days to 6 months:
$1,000.

Guarantee issue is a pre-approved amount of coverage that does not require you to provide proof of good health, and is
available to you during your initial eligibility period (upon hire). Guarantee issue is available in the following amounts:
• Employee: $50,000
• Spouse: $25,000
• Child(ren): $10,000

If you are no longer in your initial eligibility period, you may enroll in Voluntary Life and AD&D insurance anytime during the
year as long as you provide proof of good health. To provide proof of good health, you will be asked to complete a health
questionnaire and are subject to insurance carrier approval. MetLife may approve or decline coverage based on a review of
your health history.

MetLife | Will Preparation Services
Will Preparation Services offer support and guidance to help you properly prepare the documents necessary to preserve
your family’s financial security. This service, offered by MetLife through Hyatt Legal Plans, fully covers attorney fees for
preparing or updating a will, living will, or power of attorney. Services include will preparation, in-person or telephone
consultations with a participating plan attorney, unlimited access to update your will as long as you continue to be a member
of our Life insurance plan through MetLife.

MetLife | Estate Resolution Services
Estate Resolution Services provides face-to-face or over the phone probate services to the representative (executor or
administrator) of the deceased employee’s estate and the estate of the employee’s spouse/domestic partner. Probate
services include preparation of documents and representation at court proceedings needed to transfer the probate assets
from the estate to the heirs, and completion of correspondence necessary to transfer non-probate assets. This plan covers
participating plan attorneys’ fees for consultations or for the administrator or executor to discuss general questions about
the probate process.

Accessing Life Insurance Services
To access EAP benefits, go to www.metlife.com/insurance/life-insurance or call (800) 638-5000 for customer
service and claims.

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