Protect your loved ones and your future with insurance from MetLife

Elections (enrollments or changes to enrollments) for these MetLife administered benefits can only be made as a new hire or when your have a qualifying life event:

  • Dental benefits (under the IBM Medical and Dental Benefits Plan)
  • Long-term disability benefits (under the IBM Long-Term Disability Plan)
  • Legal Plan benefits (under the MetLife Legal Plan)

Elections (enrollments or changes to enrollments) for these MetLife administered benefits can be made at any time during the year:

  • Optional Term Life (OTL) (under the IBM Group Life Insurance Plan)*
  • Accidental Death & Dismemberment (AD&D) (under the IBM Group Life Insurance Plan)

*Enrollment may be subject to completing a medical review

Exception: During Annual Enrollment (in the fall of each year) only, IBMers who are currently enrolled in OTL for themselves can increase their OTL by one (1) level of coverage, up to the lesser of three (3) times annual base pay or $750,000, without having to complete a medical review.1


1 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 General Insurance Company and Affiliates, Warwick, RI. Some services not available in all states. 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 or dependents in which case services are excluded for the spouse 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 is provided. Additional representation is also included for certain matters. Please see your plan description for details. MetLife® is a registered trademarks of MetLife Services and Solutions, LLC, New York, NY

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.