AD&D Insurance

Complement your life insurance with coverage for severe accidents or loss of life on or off the job.

Accidental Death & Dismemberment Insurance (AD&D) insurance pays benefits if you suffer a covered accident that results in paralysis or the loss of a limb, speech, hearing or sight, or if you suffer a covered fatal accident. AD&D can provide financial security should a sudden accident take your life or cause you serious loss or harm. This coverage complements your life insurance coverage and helps protect you 24 hours a day, 365 days a year.

Note: Retirees and their family members are not eligible for AD&D coverage.

Accidental Death and Dismemberment (AD&D)

The AD&D coverage is a voluntary benefit in which you pay the entire premium. 

AD&D coverage is available in amounts of $100,000 up to $300,000 in $100,000 increments for you or for you and your family.

In the family plan, the dependent will receive a percentage of the employee’s AD&D coverage.

Family Plan Percentage

  • Spouse + children – 55%
  • Spouse only – 65%
  • Each child + spouse – 15%
  • Child only – 25%

Note: Each dependent child eligible up to a maximum of $50,000.

Premiums for AD&D coverage are based on the amount of coverage you elect. These rates are guaranteed until December 31, 2022.

Designating a Beneficiary

Is your AD&D insurance beneficiary information up to date?

You should name a beneficiary for your MetLife insurance coverage(s). This ensures that MetLife will distribute the policy proceeds the way you want after your death.

If you don’t name a beneficiary, or if your beneficiary passes away before you, your insurance proceeds will be paid in accordance with the Facility of Payment as outlined in your Summary Plan Description (SPD) for Life benefits, listed below in the following order:

  • Your spouse;
  • Your child(ren);
  • Your parent(s);
  • Your siblings; or
  • Your Estate

We encourage you to take a few minutes to review your beneficiary designations, especially after a life event, such as marriage, divorce, birth of a child, etc.

What you need to do:
Please complete the steps below to name or update your beneficiaries through MetLife’s MyBenefits website as soon as possible:

  1. Gather the following information about each of your beneficiaries
    • For individuals, you need the beneficiary's full name, full address, phone number and date of birth.
    • For trusts, you need the trust name, address, phone number and trust date.
  2. Visit MyBenefits website and enter ‘Lumen’ as the Company Name
  3. Log in to your account by entering your username and password. First time users will need to click “Register Now” to choose a username and password and to establish security questions.
  4. After you log in, click “Add/Update Beneficiaries” and follow instructions to review and update. 
  5. Enter details about each of your beneficiaries.
  6. Print a copy of your completed beneficiary information for your records.

Changes to your beneficiary are effective immediately. You will also receive an electronic confirmation notice, which allows you to easily print a paper copy of your designations for your records.

If you don’t have access to the internet, contact MetLife at 1-866-574-2863 and request a Beneficiary Designation Form. 

This summary provides an overview of your plan’s benefits. These benefits are subject to the terms and conditions of the contract between MetLife and the Lumen and are subject to each state’s laws and availability. Specific details regarding these provisions can be found in the booklet certificate.

Life coverage is provided under a group insurance policy (Policy Form GPNP99/G2130-S) issued to your employer by MetLife. Life coverage under your employer’s plan terminates when your employment ceases, when your Life contributions cease, or upon termination of the group contract. Should your life insurance coverage terminate for reasons other than non-payment of premium or voluntary cancellation, you may convert it to a MetLife individual permanent policy without providing medical evidence of insurability.