Conversion For protection after your coverage terminates You can generally convert your group term life insurance benefits to an individual whole life insurance policy if your coverage terminates in whole or in part due to your retirement, termination of employment, or change in employee class. Conversion is available on all group life insurance coverages. Please note that conversion is not available on AD&D coverage. If you experience an event that makes you eligible to convert your coverage, please call 1-877-275-6387 to begin the conversion process. Please contact MetLife for more information. Waiver of Premiums for Total Disability (Continued Protection) Offering continued coverage when you need it most If you become Totally Disabled, you may qualify to continue certain insurance. You may also be eligible for waiver of your basic, supplemental, and dependent term life insurance premium until die, or recover from your disability, whichever is sooner. Total Disability or Totally Disabled means you are unable to do your job and any other job for which you are fit by education, training or experience due to injury or sickness. The Total Disability must begin before age 60, and your waiver will begin after you have satisfied a 6-month waiting period of continuous disability. The waiver of premium will end when you die or recover. Continuation for Surviving Dependents Continued coverage for your dependents This feature allows coverage for your surviving dependents, who were insured at the time of your death, to continue with premium payment. Surviving children must continue to meet the plan’s child definition in order to be eligible and coverage will end upon your spouse’s remarriage. Premium payments may be made directly to MetLife for up to 5 months. If you have questions, call 1-866-548-7139. Visit metlife.com/wshca to find plan information, documents, a life insurance calculator, and more!