Life and AD&D FAQ

Term Life Insurance and Frequently Asked Questions AD&D Continue to be there for your loved ones with Life and AD&D Insurance. Life and AD&D Insurance helps to provide a more financially secure future. Your employer – through the Public Employees Benefits Board (PEBB) Program – offers ways for you to protect your family and finances if something were to happen to you. For many people, these coverages1 help ensure that if the unforeseen Q. How much does supplemental life should happen, short- and long-term financial obligations could be met. If you have a and AD&D insurance cost? spouse, state-registered domestic partner and/or children, they may rely on you to help A. It may be less expensive than you keep the household running. It’s important to take steps to make sure your family would think. MetLife has designed the be financially prepared if you were no longer there to handle expenses like: supplemental life and AD&D plans to • Mortgage or rent payments • Childcare/education fees be an economical way for you to • Utilities • Transportation help provide for your family. You’ll • Insurance premiums • Credit card bills enjoy competitive group rates, with a wide range of coverage options to 2 can provide financial choose from. Exact rates can be Accidental death and dismemberment benefits (AD&D) found in the enrollment materials security should a sudden accident take your life or cause you serious loss or harm. This provided by the PEBB Program and supplemental coverage helps protect you 24 hours a day, 365 days a year. on MetLife’s website at metlife.com/wshca. Q. I already have life insurance Q. How much life insurance do I Q. What is Evidence of Insurability, through my employer. Why get need? and how will I know if I need it? more? A. It may be more than you have A. While having basic life insurance now.You should keep in mind that A. Evidence of Insurability, or Statement of Health (SOH),3 is a provided by your employer is a insurance needs change as your life series of questions asked to help great benefit, it’s possible it may changes —for example, getting evaluate your overall health. not be enough to adequately married, starting a family or Depending on when you enroll and provide for your family. purchasing a home. Many people the amount of coverage you request, Supplemental life and AD&D are surprised to learn that they may you or your dependent may be insurance can give your family not have enough life insurance to asked to provide Evidence of greater financial security. cover the many expenses their loved Insurability. In the event SOH is Q. How do I pay for my coverage? ones may face. We’ve made it very required, MetLife will trigger the start simple to determine the amount of of the process for you and provide A. Premiums are paid through various coverage you may need now: Go to instructions at that time. billing methods (payroll deduction or the MetLife website at and click on the direct bill) and depend on the billing metlife.com/wshca method assigned to your employer. easy-to-use life insurance calculator Please contact your employer for to find your answer in minutes. more information. ADF# DI2537.20