Group Benefits

Group Accidental Death & Dismemberment (AD&D)

MetLife’s Group AD&D coverage can be a low cost part of company provided basic coverage, an employee paid option, or both

Employees are looking for benefits that go beyond life insurance. MetLife’s AD&D coverage pays for a covered accident that results in a loss of life, speech, hearing or sight, paralysis and other losses.

Collapse All

Expand All

Basic Accidental Death & Dismemberment (AD&D)

Basic AD&D is employer-paid coverage that provides an accidental death benefit equal to an employee's basic term life insurance amount. Basic AD&D also provides a percentage of the basic accidental death benefit amount for qualifying injuries.

Supplemental Accidental Death & Dismemberment

Supplemental AD&D is employee-paid coverage that offers employees the same benefit amount as their Supplemental Term Life. A specified percentage of supplemental accidental death benefit is also provided for qualifying injuries.

Dependent Accidental Death & Dismemberment

Dependent AD&D is an employee-paid coverage that provides spouses and dependents with a benefit equal to the Dependent Term Life benefit amount.

Voluntary Accidental Death & Dismemberment Insurance

Voluntary AD&D is an employee-paid benefit that is offered as a stand alone coverage to employees, spouses and dependent children, regardless of whether they are enrolled in life insurance.

Added Value with Travel Assistance¹…

Travel Assistance is an option available with Basic, Supplemental or Voluntary AD&D plans that offers employees and their families access to valuable services when traveling more than 100 miles from home (domestic or international). Services include:

Toll-free 800#, where service providers are available 24 hours a day, 365 days a year
Emergency services, including medical assistance, hospital admission coordination and critical evacuation
Non-emergency services, such as help with visa and/or passport requirements, financial assistance and locating lost luggage

…And Identity Theft Solutions¹…

Identity Theft Solutions educates employees on preventing an identity theft occurrence. In addition, it provides personal assistance and guidance to help alleviate the stress and time burden that victims often face.

Employees are provided with:

Education, including the Identity Theft Risk & Prevention tool kit and resolution guide
Personal Guidance, including advice for filing and obtaining police and credit reports, contacting creditor fraud departments and taking inventory of lost or stolen items
Toll-free 800#, where service providers are available 24 hours a day, 365 days a year

AD&D Coverage can be enhanced with Additional Benefits

Standard and optional features can help increase the value of your AD&D plan.

Standard Benefits	Optional Benefits
Air Bag Benefit	COBRA Continuation
Seat Belt Benefit	HIV
Common Carrier Benefit	Job Related Injury
Child Care Center Benefit	Parental Care
Child Care Education Benefit	Rehabilitative Physical Therapy
Spouse Education Benefit	Repatriation of Remains
Hospitalization Benefit	Therapeutic Counseling
	Work Place Felonious Assault

Like most group insurance policies, MetLife group insurance policies contain certain exceptions, reductions, limitations and terms for keeping them in force. Please contact us for costs and complete details.

¹ Travel Assistance services are administered by AXA Assistance USA, Inc. Certain benefits provided under the Travel Assistance program are underwritten by ACE American Insurance Company. AXA Assistance USA, Inc. and ACE American Insurance Company are not affiliated with MetLife, and the Travel Assistance & Identity Theft Solutions services they provide are separate and apart from the insurance provided by MetLife.

AD&D coverage are provided under a group insurance policy (Policy Form GPNP99) issued to the group policyholder by MetLife.

Locate an Office