Life and disability insurance is provided through MetLife.

Life and AD&D Insurance options

Basic Life & Accidental Death and Dismemberment (AD&D)

The company automatically provides you a benefit of one times your annual salary (up to $300,000), at no cost to you, for life insurance and accidental death and dismemberment insurance.

Employee Voluntary Life Insurance

You are eligible to purchase additional life insurance in increments of $25,000 up to a maximum benefit of $175,000.

Spouse and Dependent Voluntary Life Insurance

If you elect voluntary life coverage for yourself, you can also elect voluntary life coverage for your spouse in increments of $12,500 up to a maximum of $50,000, not to exceed 50% of the employee’s Voluntary Life Benefit. Dependent child life coverage is available in increments of $2,000 up to $10,000. 

Supplemental Life — EE Only
(per $1,000 of Covered Volume)
All Active Full Time Employees
Less than 30 $0.062
30–34 $0.080
35–39 $0.090
40–44 $0.106
45–49 $0.151
50–54 $0.230
55–59 $0.434
60–64 $0.665
65–69 $1.285
70+ $2.083
Supplemental Dependent Life
(per $1,000 of Covered Volume)
All Active Full Time Employees and Spouse*
Less than 30 $0.062
30–34 $0.080
35–39 $0.090
40–44 $0.106
45–49 $0.151
50–54 $0.230
55–59 $0.434
60–64 $0.665
65–69 $1.285
70+ $2.083
Child $0.135
Age Reduction*: The Employer is responsible forbmaking sure that the offer of insurance to its Employees under the program described complies, if applicable, with the Age Discrimination in Employment Act of 1967, as amended, (“ADEA”), and the regulations thereunder. The Employer should seek the advice of counsel as to whether ADEA applies to the program and, if so, whether it is in compliance with ADEA and other applicable laws. MetLife is required to comply with insurance age discrimination laws where applicable.

* All reductions are applied to the original benefit amount.

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What is Evidence of Insurability (EOI)?

If EOI is required, this means you must provide certain information about your health in order for the insurance company to review your information and approve you for coverage.

If you are newly eligible and have not previously waived coverage, you can elect up to the guaranteed issue amount without submitting EOI. You may be required to submit EOI if you have previously waived this coverage or if you elect above the guaranteed issue amount.