Company Paid Life and AD&D

  • No cost to you and you are automatically enrolled for coverage
  • 1 ½ your salary rounded to the next higher $1,000 to a maximum of $50,000
  • You may receive an additional Accidental Death and Dismemberment (AD&D) payment in addition to a basic life payment under certain circumstances.

Voluntary Life and AD&D

  • Employee: $10,000 increments to 10x salary or $500,000 maximum
  • Spouse*: $5,000 increments to 50% of Employee Approved Amount
  • Children (Birth to 26): $10,000

*Spouse rate is based on spouse’s age. Spouse coverage terminates at age 70.

Guarantee Issue Amount

Guarantee Issue is the amount of life insurance you can elect without answering any medical questions. Guarantee Issue is only available when you are newly eligible or, in some instances, experience a life event. If insurance is applied for beyond the initial enrollment period, medical evidence of insurability will always be required.

  • Employee: $400,000
  • Spouse: $50,000
  • Children Birth to 26: $10,000

Basic Life & AD&D

Acadia provides Basic Life/AD&D coverage at no cost to you. The employee life insurance benefit is 1½ times annual salary rounded to the next higher $1,000 to a maximum of $50,000. The AD&D benefit pays a lump sum if you lose a limb or die in an accident. The maximum AD&D benefit will be equivalent to your basic life benefit.

In addition to the company paid insurance, Acadia provides you an opportunity to purchase Supplemental Life Insurance for yourself, spouse and children through payroll deductions. Employees must enroll to elect coverage for their spouse or child(ren). If you do not enroll in the Supplemental Life when you are first eligible, evidence of insurability may be required on any amount if you decide to enroll during future open enrollments. When electing the Supplemental Life, you are automatically enrolled in the Supplemental AD&D Insurance for the same benefit amount. This will pay in addition to Supplemental Life if the cause of death is an accident or benefits will be paid for dismemberment. Please note, spouse coverage terminates at age 70.

Guarantee Issue is the amount of life insurance you can elect without answering any medical questions. Guarantee Issue is only available when you are newly eligible or, in some instances, experience a life event. If insurance is applied for beyond the initial enrollment period, medical evidence of insurability will always be required.

It is important to name a beneficiary for your Life and AD&D insurance. If there is not a beneficiary designated, your family could encounter delays and probate before receiving your benefits and this can be very time consuming and costly. It is also important to keep your beneficiary designation up-to-date. If you elect Supplemental Life Insurance for your spouse or child(ren), you will automatically be the beneficiary.

Contact MetLife by visiting online.metlife.com or calling 800.438.6388. The group number is 252797.

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