Voluntary Accidental Death & Dismemberment (AD&D)

When you consider your family's long-term financial needs - home, mortgage, child and eldercare, saving for college and retirement - even two-income families can face financial hardship if a wage earner has a covered injury or dies in an accident. This coverage is not only affordable, but is designed to complement your existing life insurance coverage and help you prepare for your family's financial future.

Plans at a Glance:

  • Members* who are age 59 and under may apply for up to $500,000 of coverage in $10,000 increments.
  • Pays full benefits if you're totally disabled due to sickness or injury and are unable to perform the substantial and material duties of your own occupation while receiving regular care from a licensed physician.
  • Spouse/domestic partner age 59 and under are eligible for up to 50% of the member benefit.1
  • Spouse/domestic partner and children (together) are eligible for a benefit that is a percentage of the member benefit: 40% for spouse/domestic partner and 10% for children.
  • Coverage ends at age 70.
  • Special features and additional benefits may be paid in certain situations.

Benefit Amounts and Quarterly Rates

Benefit Amount* $100,000 $200,000 $300,000 $400,000 $500,000
Member $6.90 $13.80 $20.70 $27.60 $34.50
Member and Dependents $9.30 $18.60 $27.90 $37.20 $46.50

1 The amount of spouse or dependent coverage may vary by state laws and is subject to the limits imposed by the individual states.

*Please note that your benefit amount will decrease according to the following schedule once you reach age 60.
Age 60-64, 66%
Age 65-69, 46%
Age 70-74, 30%

You must be a member of the American Bar Association to qualify for this insurance plan. Coverage may not be available in all states. Like most group insurance policies, MetLife insurance policies contain certain exclusions, limitations, reductions of benefits and terms for keeping them in force. Any such exclusions, reductions or limitations will be described in the insurance certificate, the terms of which govern MetLife’s provision of coverage. You may also call your plan administrator, USI Affinity today at (855) 874-0264 for additional information.

Group policy No. 160667-1-G issued by Metropolitan Life Insurance Company, New York, NY.

L1216487033[exp0118][All States]

Frequently Asked Questions and Plan Exclusions and Limitations