Supplemental Accidental Death & Dismemberment (AD&D) Insurance
Supplemental AD&D insurance increases your coverage to meet your individual needs. As you experience different life events, you could require more protection to your portfolio as your financial commitments change.
Supplemental AD&D insurance provides:
Optional additional protection
Provides enhanced coverage amounts beyond your employer-provided Basic AD&D insurance – paid for by you
Peace of mind
Ensure your family is taken care of – this coverage pays an additional benefit on top of your core AD&D insurance
Coverage options to suit your needs
Standardly offered in increments of $10,000 of coverage
Supplemental AD&D Schedule of Benefits
Details on your Supplemental 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. Supplemental AD&D amounts are listed in the same table with your Basic AD&D information. Your Supplemental AD&D amount can be either a flat amount (for example, $100,000) or a multiplier of your salary (for example, two times your basic annual earnings). Your AD&D benefit usually mimics your Life benefit.
A sample Schedule of Benefits with Supplemental AD&D insurance is below. Please note that each company’s benefits may differ.
Note: 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 Supplemental AD&D insurance
| Benefit | Benefit amounts and highlights |
|---|---|
| Basic AD&D Full Amount |
An amount equal to Basic Life Insurance on You |
| Maximum Basic AD&D Benefit |
$650,000 |
| Supplemental AD&D Full Amount | Increments of $25,000 up to a maximum of $500,000 |
Calculating supplemental AD&D rates
AD&D monthly rates are usually per $1,000 of insurance. Typically, our contracts round up to the nearest $1,000. For example, if you make $50,100 annually, then your benefit will be rounded up to $51,000.
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 by 100 ($1,000 units).
Obtain this information from your employer or your company benefits website.
How to submit a Supplemental AD&D insurance claim
If you pass away or experience an accidental dismemberment, you or your beneficiary will need to submit a claim to MetLife. Supplemental AD&D claims will be paid automatically with an AD&D claim, so there are no additional steps required to receive the Supplemental AD&D claim.