Spouse Accidental Death & Dismemberment (AD&D) Insurance
As you experience exciting life events, such as getting married or having children, you could require more protection to your portfolio. Spouse AD&D insurance provides financial protection in the event your spouse dies or suffers a serious injury (like loss of limbs, sight, or hearing) due to an accident.
Spouse AD&D insurance provides:
Optional additional protection
Provides enhanced coverage amounts beyond your Basic or Supplemental AD&D insurance – paid for by you
Peace of mind
If your spouse were to pass away or become seriously injured in an accident, this insurance can help cover funeral expenses, medical bills not covered by health insurance, loss of income if your spouse contributes financially, and costs for adapting your home or lifestyle if your spouse becomes disabled.
Coverage options to suit your needs
Standardly offered in flat increments, such as $5,000 or $10,000 of coverage
Spouse AD&D Schedule of Benefits
Details on your Spouse AD&D benefit can be found in your AD&D Schedule of Benefits, which will list the benefit along with the benefit amount and highlights. Spouse AD&D amounts are listed in their own table called “Accidental Death And Dismemberment Insurance (AD&D) On Your Insured Dependents,” which appears after the table on your AD&D insurance benefits. Your Spouse AD&D amount is typically the same as your AD&D amount.
A sample Schedule of Benefits with Spouse AD&D insurance is below. Please note that each company’s benefits may differ.
Any amount of Life Insurance in excess of the Guaranteed Issue Amount is subject to Evidence of Insurability. Learn more about Evidence of Insurability.
Sample Schedule of Benefits with Spouse AD&D insurance
| Benefit | Benefit amounts and highlights |
|---|---|
| ON YOUR SPOUSE |
|
| Voluntary AD&D Full Amount |
An amount equal to 100% of Employees(s) elected amount |
Calculating spouse AD&D rates
Spouse AD&D monthly rates are usually per $1,000 of insurance.
To calculate cost, multiply the cost per $1,000 by the number of units selected. For example, to figure out the monthly cost for $100,000 in coverage, you would multiply the rate based on your age by 100 ($1,000 units).
Ask your employer what your rates are for any supplemental coverages MetLife offers.
How to submit a Spouse AD&D insurance claim
In the event of an accidental death, the AD&D claim will be paid automatically with the Spouse Life insurance claim, so there are no additional steps required for you. In the event of a dismemberment, you or your spouse will need to submit a claim to MetLife for payment.