Extra protection that may help provide financial security should a sudden covered accident take your life or cause you serious harm.
In addition to your basic term life coverage, accidental death and dismemberment coverage can be a relatively low-cost way to protect against unexpected events that result in loss of life, speech, hearing, sight, paralysis and more.
Basic Accidental Death & Dismemberment: This employer-paid coverage option provides an accidental death benefit equal to an employee's basic term life insurance amount.
It complements your life insurance coverage, providing protection 24 hours a day, 365 days a year, should a sudden covered accident take your life or cause you serious harm.
Premiums are conveniently paid through payroll deduction or some other method arranged by your employer, so you don’t have to worry about writing a check.
It may be less expensive than you think. MetLife and your employer have designed this AD&D insurance plan so you and your family can enjoy competitive rates, with a wide range of coverage amounts to choose from.
AD&D coverage complements your life insurance with protection that covers you for paralysis, loss of limbs, speech, hearing or sight, brain damage, coma or fatal accidents.
If your plan includes coverage for dependents, spouse/domestic partner, and dependent children, coverage can be purchased. Please consult your plan materials (e.g., Plan Summary or enrollment materials) for information about eligibility.
1 Life Insurance Statistics, Data and Industry Trends 2024. https://www.forbes.com/advisor/life-insurance/life-insurance-statistics/
Accidental Death & Dismemberment insurance does not include payment for any loss which is caused by or contributed to by: physical or mental illness, diagnosis of or treatment of the illness; an infection, unless caused by an external wound accidentally sustained; suicide or attempted suicide; injuring oneself on purpose; the voluntary intake or use by any means of any drug, medication or sedative, unless taken as prescribed by a doctor or an over-the-counter drug taken as directed; voluntary intake of alcohol in combination with any drug, medication or sedative; war, whether declared or undeclared, or act of war, insurrection, rebellion or riot; committing or trying to commit a felony; any poison, fumes or gas, voluntarily taken, administered or absorbed; service in the armed forces of any country or international authority, except the United States National Guard; operating, learning to operate, or serving as a member of a crew of an aircraft; while in any aircraft for the purpose of descent from such aircraft while in flight (except for self-preservation); or operating a vehicle or device while intoxicated as defined by the laws of the jurisdiction in which the accident occurs. Specific information pertaining to your insurance can be obtained by contacting MetLife.
Nothing in these materials is intended to be advice for a particular situation or individual. Please consult with your own advisors for such advice. Like most group insurance policies, insurance policies offered by MetLife contain certain exclusions, exceptions, waiting periods, reductions, limitations and terms for keeping them in force. Please contact your benefits administrator or MetLife for costs and complete details.
MetLife Group Term Life insurance and AD&D and BTA is issued by Metropolitan Life Insurance Company, 200 Park Avenue, New York, NY 10166 under Policy Form GPN99/G2130-S and GBPNP-04.
