Standard Additional Benefits Include Some of the standard additional benefits included in your AD&D coverage that may increase the amounts payable to you and/or cover additional expenses that result from accidental injury or loss of life are: • Air Bag • Child Care Center • Hospitalization • Seat Belt • Child Education • Presumption of Death • Common Carrier • Spouse Education • Exposure What Is Not Covered by AD&D? AD&D insurance 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 active participation in a riot; committing or trying to commit a felony; any poison, fumes or gas, voluntarily taken, administered or absorbed; service in the armed forces of any country or international authority, except the United States National Guard; operating, learning to operate, or serving as a member of a crew of an aircraft; while in any aircraft for the purpose of descent from such aircraft while in flight (except for self-preservation); or operating a vehicle or device while intoxicated as defined by the laws of the jurisdiction in which the accident occurs. Additional Coverage Information How to Enroll • You may enroll in supplemental life and AD&D insurance coverage quickly and securely online using the MyBenefits website. It’s easy to use. Just go to mybenefits.metlife.com/wapebb. For Employee Coverage Enrollment in this Supplemental Term Life insurance plan is available without providing medical information as long as: For New Hires • The enrollment takes place within 31 days from the date you become eligible for benefits, and • You are enrolling for coverage up to $500,000. If you do not meet all of the conditions stated above, you will need to provide additional medical information by completing a Statement of Health form provided by MetLife.* *All applications for coverage are subject to review and approval by MetLife. If you choose to apply for increased coverage, the increase may be subject to underwriting. MetLife will review your information and 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. † For Dependent Coverage You must be covered or enrolling in coverage in order to cover your spouse/state-registered domestic partner and child(ren). Your spouse/state-registered domestic partner does not need to provide medical information as long as: For New Hires • The enrollment takes place within 31 days from the date you become eligible for benefits, and • You are enrolling for spouse/state-registered domestic partner coverage less than $100,000. If you do not meet all of the conditions stated above, you will need to provide additional medical information by completing a Statement of Health form provided by MetLife. * *All applications for coverage are subject to review and approval by MetLife. If you choose to apply for increased coverage, the increase may be subject to underwriting. MetLife will review your information and 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.