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B E N E F I T S P L A N O V E R V I E W P A G E 6
EMPLOYEE ASSISTANCE PROGRAM
VOLUNTARY L IFE/AD&D, SPOUSAL, CHILD
Term Life may be purchased for yourself and dependents.
Employee Life/AD&D Insurance
 Benefit Amount: Increments of $10,000, up to 5x salary or $500,000 (whichever is less)
 Guarantee issue for newly eligible employees: $150,000
 Benefit reduces to 65% at age 70 and to 50% at age 75
 AD&D Benefit
If you purchase coverage for yourself, then you can also purchase coverage for your family.
Spouse Life/AD&D Insurance
 Benefit Amount: Increments of $5,000 up to $100,000 maximum (up to 50% of the employee amount)
 Guarantee issue for newly eligible spouses: $25,000
 Benefit reduces by the same percentage as the Employee Life Benefit amount
Child Life/AD&D Insurance
 Benefit Amount: Increments of $1,000 up to $10,000 maximum
 Life Birth to 6 months: $1,000 maximum
 5 days to 19 years (26 years if full-time student): $10,000 maximum
 Guarantee issue: $10,000
 Age Limit: 19, or age 26 if full-time student
Voluntary Life/AD&D Benefit Choices
 If you enroll in the plan, the annual enrollment period is a time when you can increase your Life coverage up to
the guarantee issue maximum of $150,000 with no medical underwriting (for newly eligible employees).
 If your spouse enrolls in the plan, you can increase his or her coverage at subsequent annual enrollments up to
the guarantee issue maximum of $25,000 with no medical underwriting (for newly eligible spouses).
 It is also important to note that you and any covered dependents may choose to increase coverage above the
guarantee issue maximum with evidence of insurability.
 If you waived this offer of coverage when you were first eligible, you
coverage is subject to medical underwriting approval.
With the MetLife employee assistance program, help is available by phone, website, e-mail and up to three face-to-
face sessions per incident. You and the members of your household can access:
 Telephonic consultants available 24 hours a day
 Services available even if a disability claim is never filed
 Dedicated Hispanic service center
 Interactive website
 Workplace communication tools available in both English and Spanish
 An extra level of service for employees who are on disability claim
Please call 1-844-763-8543
Anytime to speak with a clinician or
schedule an appointment