--- title: Life Insurance | My Benefits | Jones Capital description: Life Insurance | My Benefits | Jones Capital --- # Life and AD&D   #### Life Insurance - #### [Basic Life AD & D](https://benefits.jones.com/life-insurance#) Basic Life and Accidental Death and Dismemberment (AD&D) is a part of Jones’ benefits plan and is an essential part of your future financial security. Jones automatically provides you with Basic Life and AD&D insurance through MetLife which guarantees that loved ones, such as a spouse or other designated survivors, receive financial assistance for funeral costs and other immediate expenses.  | Coverage Amount | Flat $15,000 | | --- | --- | | Who Pays | Jones | | Age Reduction | Reduces to 67% at age 70 Reduces to 50% at age 75 | | Evidence of Insurability (EOI) Required | No | - #### [Voluntary Life AD & D](https://benefits.jones.com/life-insurance#) You may purchase voluntary employee life insurance in increments of $10,000 up to a maximum of 5 times your annual salary or $500,000, whichever is less. AD&D is automatically included with your employee voluntary life election. If you elect life insurance greater than $100,000, you must submit Evidence of Insurability (EOI). EOI means that you will need to provide information about your medical history to the provider and, based on this information, you may or may not be approved for additional life insurance. You only pay for the additional coverage above EOI once you are notified and approved for this additional coverage. **Employee** Premium cost for employee and spouse coverage will be based on the employee’s age as well as amount of coverage selected. | Coverage Amount | Increments of $10,000 | | --- | --- | | Benefit Maximum | 5 times your annual salary or $500,000 | | Guarantee Issue | $100,000 | | Who Pays | Employee | | Age Reduction | None | | Evidence of Insurability (EOI) Required | Required over Guarantee Issue amount of $100,000 |   **Spouse** Coverage for your spouse is available in increments of $5,000 up to 50% of employee amount or $50,000, whichever is less. EOI is required for amounts over $50,000 and for late entrants. AD&D is automatically included with your spouse voluntary life election. | Coverage Amount | Increments of $5,000 | | --- | --- | | Benefit Maximum | 50% of Employee Benefit or $50,000 | | Guarantee Issue | $25,000 | | Who Pays | Employee | | Age Reduction | None | | Evidence of Insurability (EOI) Required | Required over Guarantee Issue amount of $25,000 |   **Child** Coverage for your dependent children is available in a flat coverage of $10,000. Dependent children are eligible up to age 26 regardless of student status. No EOI is required for any dependent children. | Coverage Amount | Flat $10,000 | | --- | --- | | Max Child Age | Up to age 26 | | Who Pays | Employee | | Age Reduction | None | | Evidence of Insurability (EOI) Required | No |   #### Additional Resources - #### [Download Flyers](https://benefits.jones.com/life-insurance#) Download the Plan Summary document below. [Download Now](https://benefits.jones.com/hubfs/MetLife%20Life%20Plan%20Summary.pdf?hsLang=en) Download the Statement of Health document below. [Download Now](https://benefits.jones.com/hubfs/My%20Benefits%20Site/Life%20ADD/229751-Jones-Companies-LLC-SOH-Life.pdf?hsLang=en) Download the full certificate of Life Insurance benefits coverage below.  [Download Now](https://benefits.jones.com/hubfs/MetLife%20Life%20Plan%20Certificate.pdf?hsLang=en) - #### [How To Submit A Claim](https://benefits.jones.com/life-insurance#) **Life/AD&D** Claims can be submitted using the fax or address on the claim form, or via email at [lifeclaimsubmit@metlife.com](mailto:lifeclaimsubmit@metlife.com).  If submitting via email, the documents must be attached in one of the following formats (most use PDF): PDF, MTIFF, JPEG, DOC, DOCX.  Critical Illness claims *cannot* be sent via email.  **Required Documentation:**  - A death certificate. We require a copy of the death certificate. The funeral director taking care of the funeral arrangements can usually provide a copy of the death certificate (indicating the cause and manner of death). We only require one death certificate – if you’re aware of another claimant who’s sending one, you don’t have to send it.  - If you signed a document with a funeral home that authorizes us to make a payment directly to them, a copy of that document.  - If the beneficiary is the estate and you are a representative of an estate, a copy of the appointment papers issued by the courts.  - If the beneficiary is a trust and you are a trustee, a notarized statement that the trust is still in effect and you are authorized to act under the trust. If you are not the original trustee, a copy of the page naming you as the successor trustee.  - If you are submitting the claim as Power of Attorney for the beneficiary, a copy of the POA papers for the beneficiary must be provided. **Submission Instructions:**  - Mail: MetLife Group Life Claims, P.O. Box 6100 Scranton, PA 18505-6100  - Email: [Lifeclaimsubmit@metlife.com](mailto:Lifeclaimsubmit@metlife.com)  - Fax: 1-570-558-8645 (If faxing, please remember to fax both front and back sides of the signed claim form. Allow two (2) hours for documents to be received)  Once submitted, it typically takes 10 days (or less) to process the claims.  **Customer Service**  If the beneficiary(ies) have questions or want a status update on the claim, they can call after the claim has been submitted:  Life Claims – [800-638-6420](tel://800.638.6420)  Download the Claims Form below. [Download Now](https://benefits.jones.com/hubfs/My%20Benefits%20Site/Life%20ADD/Life-Claims-Form.pdf?hsLang=en)