New hire enrollment opportunity

For IBMers who want more life insurance coverage, in addition to IBM-provided Group Life Insurance (GLI), new hires1 may enroll in term life insurance for themselves up to the lesser of 3 times annual base pay or $750,000, without having to complete a medical review.2 New hires can also enroll their spouse/Domestic Partner in term life insurance, up to $50,000, without a medical review.2 This special opportunity is only available if enrollment occurs within the new hire enrollment window.

New hires may also enroll themselves in the 50% or 66 2/3% Long-Term Disability (LTD) insurance plan without having to complete a medical review.2 This special opportunity is only available if enrollment occurs within the new hire enrollment window.

You also can enroll in the 401(k) Disability Protection Plan (DPP) during an IBM annual enrollment period.  This plan protects your 401(k) contributions when you’re unable to work due to disability. This benefit does not require a medical review to enroll.

Lastly, new hires may also enroll themselves and their dependents in either the IBM Dental Basic or IBM Dental Plus options.

Each of these benefits are offered at competitive group rates. Convenient payroll deductions are available for Dental, Life Insurance and LTD.

Click here to enroll now

MetLife is the administrator for IBM disability benefits and all federal, state and certain IBM leave programs.

With MetLife, employees can manage their disability benefits and leave requests all in one place at or by calling 1-800-638-0064.

Legal Services

The MetLife Legal Plan offers two options:

  • MetLife Legal Plans: $14.50 a month covers you, your spouse/domestic partner and dependents
  • MetLife Legal Plans Plus Parents: $20.50 a month covers you, your spouse/domestic partner, dependents and parents, ,and/or parents-in-law

Under both plan options, the following service will be covered:

  • Reproductive Assistance Law: These services cover you and/or your spouse/domestic partner for the first twenty hours of legal services and court work related to reproductive assistance matters including, but not limited to, as permitted by law: surrogacy, egg/sperm/gamete/embryo donation, and embryo adoption.

Many services are fully covered when you enroll including, buying or selling a home, wills, trusts, adoption, immigration assistance and more. 

Calculate How Much Life Insurance Coverage You Might Need

IBM may provide you with a base amount of life insurance – and for those needing more insurance, OTL coverages are available.

If you’re not sure how much you need, this tool may help.

What’s OTL?

Enhanced employee-paid supplemental life and AD&D insurance through MetLife, referred to as Optional Term Life (OTL). Legal services for will preparation and estate resolution services are provided at no additional charge when you enroll yourself in term life insurance.

Travel Assistance services are also provided, at no additional charge, for you and your family when you enroll yourself in AD&D insurance.

401(k) Disability Protection Plan (DPP)

This benefit ensures your retirement savings continue in the event you no longer have income and cannot make contributions to your 401(k). All active IBMers participating in the IBM 401(k) Plus Plan may enroll in the 401(k) Disability Protection Plan during an annual enrollment period without having to complete a medical review.1

Long-Term Disability

LTD offers income replacement if you are disabled and unable to keep working. All eligible IBMers may enroll in the IBM Long-Term Disability Plan, though a medical review may be required.

Two plan options are available

  • 50% of regular monthly compensation
  • 66 2/3% of regular monthly compensation

Dental Benefits

Dental health is important to your overall well-being, so IBM offers you and your family comprehensive dental coverage.

Two plan options are available:

  • IBM Dental Basic: provides basic coverage for preventive, diagnostic and basic restorative care.
  • IBM Dental Plus: offers an enhanced benefit, covering preventive, diagnostic, basic restorative, major restorative and orthodontia care.

1 The enrollment opportunity only applies to new hires who are not considered Retiree Supplemental employees. Retiree Supplemental employees, and their spouse/domestic partner, will need to complete a medical review for all amounts of life insurance they enroll for.

When medical questions are required, MetLife will evaluate your request for coverage based upon your answers to the health questions, MetLife’s underwriting rules and other information you authorize us to review. In certain cases, MetLife may request additional information to evaluate your request for coverage.

These materials are intended to provide an overview of certain IBM plans and programs in which you may be eligible to participate. These materials are not an official Summary Plan Description and do not provide full details. The formal plan documents are the complete and exclusive statement of the company’s obligations under the Plan. The official Plan documents shall govern in the event of a conflict between the terms of the Plan documents and information contained in these or any other documents and statements. The Plan Administrator retains exclusive authority and discretion to interpret the terms of the IBM benefit plans and programs described herein.

MetLife Legal Plans is not sponsored or administered by IBM or the IBM Plan Administrator. Group legal plans provided by MetLife Legal Plans, Inc., Cleveland, Ohio. In certain states, group legal plans are provided through insurance coverage underwritten by Metropolitan Property and Casualty Insurance Company and Affiliates, Warwick, RI. Some services not available in all states. Please see your plan description for details. MetLife® is a registered trademark of Metropolitan Life Insurance Company, New York, NY. No service, including consultations, will be provided for: 1) employment-related matters, including company or statutory benefits; 2) matters involving the employer, MetLife and affiliates and plan attorneys; 3) matters in which there is a conflict of interest between the employee and spouse/domestic partner or dependents in which case services are excluded for the spouse/domestic partner and dependents; 4) appeals and class actions; 5) farm and business matters, including rental issues when the participant is the landlord; 6) patent, trademark and copyright matters; 7) costs and fines; 8) frivolous or unethical matters; 9) matters for which an attorney-client relationship exists prior to the participant becoming eligible for plan benefits. For all other personal legal matters, an advice and consultation benefit provided. Additional representation is also included for certain matters.

Life insurance benefits available under the IBM Group Life Insurance Plan are provided under MetLife group life insurance policies which, like most group insurance policies, contain certain exclusions, limitations and requirements for maintaining coverage in force. Any such exclusions, limitations and requirements will be described in the insurance certificate and/or the IBM Group Life Insurance Plan formal plan documents.