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

Life Insurance A cost-effective way to help ensure your short- and long-term financial obligations could be met if something unforeseen happens to you. Q Q. How are claims paid? Q. If I leave employment, can I continue Estate Resolution Services5 A. A claim needs to be filed with MetLife life insurance coverage? With this service, executors or administrators upon the death of the insured. Please A. If you’re eligible for portability or may receive in-person legal assistance with call MetLife customer service at 866-548- conversion due to termination of probating your and your spouse’s/state- 7139. The claim form will be sent to the employment or other reasons, MetLife registered domestic partner’s estates. beneficiary on file. Proceeds are paid to will send you information and an Beneficiaries can also consult an attorney for your beneficiary through a tax-free death application. Complete and mail to the general questions about the probate process. benefit. If you do not designate a address on the application. You may beneficiary, claim payment will be contact MetLife directly at 1-866-548- Accelerated Benefit Option6 distributed following the facility of 7139 with any questions. Provides early access to funds in the event of payment provisions outlined in the a terminal illness. certificate of insurance. Portability 7 Q. How do I enroll in supplemental life Under the portability provision of your PEBB Portability and AD&D insurance? Program employee life insurance, you can Provides an opportunity to continue your A. Enroll online using MetLife’s apply to continue your employee basic life and group term life insurance coverage with MyBenefits portal at supplemental insurance until age 100 if MetLife if your coverage terminates due to a mybenefits.metlife.com/wapebb or by certain conditions are met. You may also qualifying event. completing a paper enrollment form. apply to continue your spouse/state-registered 8 Note: it can take up to 30 days to domestic partner and/or child supplemental Funeral Discount & Planning Services process the paper form. If you have any life insurance at the same time you apply to Helps alleviate the burden of making funeral questions about enrollment or need to continue your own life insurance coverage arrangements from your loved ones. Get request paper forms, please contact under the portability provision. Dependent access to the largest network of funeral MetLife at 866-548-7139. child(ren) and spouse or state-registered homes and cemeteries to pre-plan with a domestic partner life insurance may be counselor and receive discounts on funeral Q. How do I cancel my supplemental life continued even if you choose not to continue services. and AD&D insurance through MetLife? your life insurance. A. To cancel your supplemental life and Travel Assistance9 Conversion Traveling with peace of mind. Access to AD&D insurance, you can cancel via Any amount of life insurance not ported may medical, travel, and concierge services – 24 phone or you can complete MetLife’s be converted. You may convert your basic or hours a day, 365 days a year when traveling Cancellation of Supplemental Life supplemental life insurance, your spouse or internationally or domestically. Insurance form and send it to the state-registered domestic partner’s life address on the form. Please note that insurance, or dependent child(ren)/s life Beneficiary Claim Assistance10 (Delivering you are responsible for notifying insurance to an individual policy. the Promise) MetLife when your dependents are no Making the claims process easy. Your longer eligible to participate in beneficiaries get guidance from experts as supplemental life and AD&D insurance Q. What other benefits are included? they work through their options and financial (divorce, turning age 26, etc.). Proof of A. This plan also includes access to needs with our Delivering the Promise loss of eligibility may be required. services through MetLife services. AdvantagesSM that help you navigate what life may bring – at no additional Life Settlement Account11 (Total Control cost to you. Account [TCA]) Reducing the pressure of immediate financial Have other decisions. Your beneficiaries can take their 4 time to make the right decision with the questions? Grief Counseling flexible settlement option that gives full access Available with basic term life insurance; to policy funds while earning a guaranteed provides the insured and dependents in- minimum interest rate. person or telephone sessions with a grief counselor. Please call MetLife directly at WillsCenter.com12 Funeral Assistance4 Helps to ensure your final wishes are clear. 866-548-7139 Work with compassionate counselors that Prepare or update a will, living will or power of and talk with a assist you with customizing funeral attorney, online through the willscenter.com benefits consultant. arrangements to honor a loved one’s life with services. personalized one-on-one service. 13 Empathy Will Preparation Services5 Gives beneficiaries complimentary access to Offers in-person will preparation for you and 24/7 support for challenges that the loss of a your spouse/state-registered domestic partner loved one brings, helping them save time, money, and stress. From settling the estate to at no additional cost when you use a MetLife dealing with grief, Empathy can offer guidance Legal Plans attorney. on a variety of topics to assist beneficiaries in navigating through the challenges that loss brings. Call 201-720-1584 to register via phone or visit join.empathy.com/metlife. Metropolitan Life Insurance Company | 200 Park Avenue | New York, NY 10166 L0823034582[exp0825][All States][DC,GU,MP,PR,VI] © 2023 MetLife Services and Solutions, LLC

1. Cost of insurance rates are determined using methodologies that vary by company. These rates can vary and will generally increase with age. Rates for active employees may be different than those available to terminated or retired employees. It’s important to look at all factors when evaluating the overall competitiveness of rates and the value of life insurance coverage. 2. AD&D insurance does not include payment for certain losses as described in more detail in your certificate. Specific information pertaining to your insurance can be obtained by contacting MetLife. 3. 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. 4. Grief Counseling and Funeral Assistance services are provided through an agreement with LifeWorks. US Inc. LifeWorks is not an affiliate of MetLife, and the services LifeWorks provides are separate and apart from the insurance provided by MetLife. LifeWorks has a nationwide network of over 30,000 counselors. Counselors have master’s or doctoral degrees and are licensed professionals. The Grief Counseling program does not provide support for issues such as: domestic issues, parenting issues, or marital/relationship issues (other than a finalized divorce). For such issues, members should inquire with their human resources department about available company resources. This program is available to insureds, their dependents and beneficiaries who have received a serious medical diagnosis or suffered a loss. Events that may result in a loss are not covered under this program unless and until such loss has occurred. 5. Will Preparation and Estate Resolution Services are offered by MetLife Legal Plans, Inc., Cleveland, Ohio. In certain states, legal services benefits are provided through insurance coverage underwritten by Metropolitan General Insurance Company, Warwick, Rhode Island. For New York sitused cases, the Will Preparation service is an expanded offering that includes office consultations and telephone advice for certain other legal matters beyond Will Preparation. Tax Planning and preparation of Living Trusts are not covered by the Will Preparation Service. Certain services are not covered by Estate Resolution Services, including matters in which there is a conflict of interest between the executor and any beneficiary or heir and the estate; any disputes with the group policyholder, MetLife and/ or any of its affiliates; any disputes involving statutory benefits; will contests or litigation outside probate court; appeals; court costs, filing fees, recording fees, transcripts, witness fees, expenses to a third party, judgments or fines; and frivolous or unethical matters. 6. You can receive up to 80% of your Basic Life insurance proceeds to a maximum of $28,000 in the event that you become terminally ill and are diagnosed with less than 24 months to live. You can receive up to 80% of your combined Basic Life and Supplemental Life amount, not to exceed $500,000. This can go a long way toward helping your family meet medical and other related expenses at this difficult time. The Accelerated Benefit Option is also available to spouses/state-registered domestic partners insured under Dependent Life insurance plans, up to 80% of Dependent Life coverage amount, not to exceed $400,000. This option is not available for dependent child coverage. The ABO benefits are intended to qualify for favorable federal tax treatment, in which case the benefits will not be subject to federal taxation. This information was written as a supplement to the marketing of life insurance products. Tax laws relating to accelerated benefits are complex and limitations may apply. You are advised to consult with and rely on an independent tax advisor about your own particular circumstances. Receipt of ABO benefits may affect your eligibility, or that of your spouse or your family, for public assistance programs such as medical assistance (Medicaid), Temporary Assistance to Needy Families (TANF), Supplementary Social Security Income (SSI) and drug assistance programs. You are advised to consult with social service agencies concerning the effect that receipt of ABO benefits will have on public assistance eligibility for you, your spouse or your family. All coverage amounts are subject to applicable state laws. To take advantage of this benefit, coverage of at least $10,000 must be elected. 7. All coverage amounts are subject to applicable state laws. To take advantage of this benefit, coverage of at least $10,000 must be elected. 8. Services and discounts are provided through a member of the Dignity Memorial® Network, a brand name used to identify a network of licensed funeral, cremation and cemetery providers that are affiliates of Service Corporation International (together with its affiliates, “SCI”), 1929 Allen Parkway, Houston, Texas. The online planning site is provided by SCI Shared Resources, LLC. SCI is not affiliated with MetLife, and the services provided by Dignity Memorial members are separate and apart from the insurance provided by MetLife. Not available in some states. Planning services, expert assistance, and bereavement travel services are available to anyone regardless of affiliation with MetLife. Discounts through Dignity Memorial’s network of funeral providers are pre-negotiated. Not available where prohibited by law. The discount is available for services offered in any state except KY and NY, or where there is no Dignity Memorial presence (AK, MT, ND, SD, and WY). For MI and TN, the discount is available for “At Need” services only. 9. Travel Assistance services are administered by AXA Assistance USA, Inc. Certain benefits provided under the Travel Assistance program are underwritten by Certain Underwriters at Lloyd’s London (not incorporated) through Lloyd’s Illinois, Inc. Neither AXA Assistance USA Inc. nor the Lloyd’s entities are affiliated with MetLife, and the services and benefits they provide are separate and apart from the insurance provided by MetLife. 10. MetLife administers the Delivering the Promise program, and has specially trained third-party financial professionals to offer financial education. The financial professionals providing financial education are not affiliated with MetLife but are providing the program under a service provider contract. 11. Subject to state law, and/or group policyholder direction, the Total Control Account (TCA) is provided for all Life and AD&D benefits of $5,000 or more. The TCA is not insured by the Federal Deposit Insurance Corporation or any government agency. The assets backing TCA are maintained in MetLife’s general account and are subject to MetLife’s creditors. MetLife bears the investment risk of the assets backing the TCA, and expects to receive a profit. Regardless of the investment experience of such assets, the interest credited to the TCAs will never fall below the guaranteed minimum rate. Guarantees are subject to the financial strength and claims paying ability of MetLife. 12.WillsCenter.com is a document service provided by SmartLegalForms, Inc., an affiliate of Epoq Group, Ltd. SmartLegalForms, Inc. and is not affiliated with MetLife. The WillsCenter.com service is separate and apart from any insurance or service provided by MetLife. The WillsCenter.com service does not provide access to an attorney, does not provide legal advice, and may not be suitable for your specific needs. Please consult with your financial, legal, and tax advisors for advice with respect to such matters. WillsCenter.com is available to anyone regardless of affiliation with MetLife. 13.Empathy’s bereavement services and platform are provided through an agreement with The Empathy Project, Inc., (doing business as Empathy). Empathy is not an affiliate of MetLife, and the services Empathy provides are separate and apart from the insurance provided by MetLife. This program is available to beneficiaries, and insureds who are terminally ill and eligible to accelerate life proceeds under MetLife's Accelerated Benefit Option. Not available on all policy forms or in all jurisdictions. Empathy is only available to insureds and beneficiaries who are US residents. Information disclosed directly to Empathy is not disclosed to MetLife, and therefore is not subject to MetLife’s privacy policy. Nothing in these materials is intended to be advice for a particular situation or individual. Please consult with your own advisors for such advice. Like most group insurance policies, insurance policies offered by MetLife contain certain exclusions, exceptions, waiting periods, reductions, limitations and terms for keeping them in force. Please contact your benefits administrator or MetLife for costs and complete details. Metropolitan Life Insurance Company | 200 Park Avenue | New York, NY 10166 L0823034582[exp0825][All States][DC,GU,MP,PR,VI] © 2023 MetLife Services and Solutions, LLC