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AD&D Insurance

What is VAD&D Insurance?

Voluntary Accidental Death & Dismemberment Insurance (VAD&D) complements your Optional Life Insurance with coverage for severe accidents or loss of life on or off the job. VAD&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.

When your coverage will become effective:

You must be actively at work on the date your coverage becomes effective, and your spouse and eligible child(ren) must not be confined to a hospital on the enrollment date, or at home for any medical reason or be receiving or entitled to receive disability income for any medical reason on the date the coverage is scheduled to become effective. Coverage will become effective on 1/1/2019 following the receipt of your enrollment information from the State of Maryland Employee Benefits Division for all requests that do not require additional medical information. Requests for amounts that require additional medical information and are not approved by the date listed above will not be effective until the first of the month following approval from MetLife or the date that the policy’s active at work requirements are met, and for spouse and eligible child(ren) coverage, the date that they are no longer confined to a hospital or at home for any medical reason or receiving or entitled to receive disability income for any medical reason.

*Retirees and retiree's family members are not eligible for AD&D Coverage

MetLife Voluntary Accidental Death & Dismemberment Insurance (VAD&D)

Employee

$100,000, $200,000, or $300,000

Employee & Family Plan $100,000, $200,000, or $300,000

Cost of Coverage

Cost is based on the amount of coverage you elect, your age as of January 1st. Spouse coverage is based on his/her age as of January 1st. The rates shown are the monthly cost per $1,000 of coverage. Monthly cost for dependent child(ren) covers all eligible child(ren).

Employee Monthly Cost

Per $1,000 of Coverage

$100,000

$1.20

$200,000

$2.40

$300,000

$3.60

Employee & Family Monthly Cost

Per $1,000 of Coverage

$100,000

$2.30

$200,000

$4.60

$300,000

$6.90

In the family plan, percentages shown reflect a percentage of the employee’s VAD&D coverage that the dependents will receive as coverage.

Family Plan Percentage

Coverage Percentage
Spouse + children 55%
Spouse only  65%
Each child + spouse 15%
Child only 25%
Each dependent child eligible up to a maximum of $50,000.

What’s Not Covered

VAD&D coverage does not include payment for any loss which is caused by or contributed to by: physical or mental illness, diagnosis of or treatment of the illness; an infection, unless caused by an external wound accidentally sustained; suicide or attempted suicide; injuring oneself on purpose; the voluntary intake or use by any means of any drug, medication or sedative, unless taken as prescribed by a doctor or an over- the-counter drug taken as directed; voluntary intake of alcohol in combination with any drug, medication or sedative; war, whether declared or undeclared, or act of war, insurrection, rebellion or riot; committing or trying to commit a felony; service in the armed forces or any country or international authority, except the United States National Guard; or operating a vehicle or device while intoxicated as defined by the laws of the jurisdiction in which the accident occurs.

Insurance Materials

Download your Life & AD&D Plan Benefits Overview

Download AD&D Insurance Certificate

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 portal, MyBenefits 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 our website at metlife.com/mybenefits and enter ‘State of Maryland’ in the Company Name field. Click the ‘Next’ button.

3. Log in to your MyBenefits account with your username and password or register as a new user.

4. After you log in, choose Group Life insurance. At the top of the page, choose the link for ‘Beneficiaries’. 

5. Enter details about each of your beneficiaries and print a copy 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 and they will send you a Beneficiary Designation Form

Download MyBenefits Registration Flyer here:

Contact Us

For more information call 1-866-574-2863.