Life and Accidental Death and Dismemberment (AD&D) insurance, through MetLife, provide financial security to you and your family if you become seriously injured or pass away.
Providing economic security for your family if you pass away, become disabled, or experience an injury or illness is a major consideration in personal financial planning. As an employee, Enterprise Wireless Solutions provides you with Basic Life insurance equal to 2x your base pay. This benefit is offered at no cost to you.
You may choose anyone to be the beneficiary of your Life policy in the event of your death. Review your beneficiary designation periodically to ensure it reflects your current wishes. You may change your beneficiary as often as you need in your company’s online enrollment portal.
You may purchase Supplemental Life insurance for yourself, your spouse, and your dependent child(ren) at reduced group rates. Depending on the amount you choose, Evidence of Insurability (EOI) may be required. If you enroll in Child Life coverage, each of your children is covered.
| Benefit Features | Supplemental Life | ||
|---|---|---|---|
| Employee | Spouse/Domestic Partner | Dependent Child(ren) (up to age 26) |
|
| Coverage Options | Up to 8x benefits pay | $10,000 increments | $5,000 increments, per child |
| Maximum | $2,000,000 (inclusive of employee Basic Life) |
$200,000 (not to exceed 100% of employee’s coverage) |
$25,000, per child |
| EOI Required | Dependent upon amount | Over $20,000 | No |
EOI requires providing health information to qualify for a certain volume of insurance. If you choose Supplemental Life coverage above the guaranteed limit or after the initial period, you’ll need to complete a health questionnaire. MetLife will review your information and notify you of their decision.
The AD&D plan pays benefits if you (or your eligible dependents, should you cover them) die or suffer an accidental dismemberment or loss of use resulting from an injury caused by a covered accident. Benefits are paid only if the death or loss takes place within 365 days of the date of the accident that caused the injury. Some plan exclusions exist.
Enterprise Wireless Solutions provides you with $25,000 of Basic AD&D insurance at no cost to you.
You may purchase Supplemental AD&D insurance for yourself, your spouse, and your dependent child(ren) at reduced group rates.
| Benefit Features | Supplemental AD&D | ||
|---|---|---|---|
| Employee | Spouse/Domestic Partner | Dependent Child(ren)* (up to age 26) |
|
| Coverage Options | Up to $975,000 | 50% of employee amount | 10% of employee amount |
| Maximum | $1,000,000 (including Basic AD&D) |
$500,000 | $100,000 |
*Rate for dependent children includes an equal amount of AD&D coverage for all eligible children.
