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MetLife is the benefits provider for Life Insurance and AD&D. During Open Enrollment for the 2026 plan year, you can enroll in Optional Life Insurance. EOI will be required for all new enrollments and increases with a guaranteed issuance up to $300,000 for a Team Member and up to $50,000 for spouse. Basic Life Insurance and AD&D is offered through MetLife and is 1.5x the Team Member’s salary at a maximum of $500,000. It is company paid, at no cost to the Team Member. On January 1st following the day the participant turns age 70, the benefit reduces to 50% of 1.5x the Team Member’s salary. Your designated beneficiary/beneficiaries will be the recipient of this benefit. It’s important to ensure the beneficiary/beneficiaries are up to date. Optional Life Insurance and AD&D is also offered through MetLife. The products will be offered on an Team Member Paid Basis. This payment will be facilitated via a weekly payroll deduction. You have greater purchasing power because of your employer rather than purchasing the product as an individual. Age reductions have been removed for Optional Life and Optional AD&D. Team Members are offered:
New hires have 30 days from their date of hire to enroll in these products on guaranteed issue basis. This means you and your dependents can enroll for the maximum amounts of insurance (as stated below) and you do not have to provide any statement/proof with regard to your own or your dependent’s current health status.
If you do not enroll when initially eligible, you will still be able to enroll for these products at any time during the year, but both you and your dependents will be required to provide a current statement of health status and coverage is “pending” until MetLife approves this information. Below is the coverage offered: Team Member Optional Life Insurance Team Members can opt for 1, 2 or 3x’s their salary to a maximum coverage amount of $750,000. Spouse Optional Life Insurance Total coverage amount is up to 50% of Team Member election to a max of $375,000. Dependent Optional Life Insurance Dependent child coverage to age 26 - coverage amount is a flat $5,000. Optional Accidental Death & Dismemberment Accidental Death & Dismemberment coverage is also an optional benefit available to you, if you elect this coverage; the amount usually mirrors the Voluntary Optional Life base election. This coverage is age band rated. The rate you pay will change when you move to a different age group. As always we encourage you to comparison shop any product you may be interested in. Your main goal is to purchase the best coverage for you and your family at the best price.
