Life and AD&D
Life Insurance
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Basic Life AD & D
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 75Evidence of Insurability (EOI) Required No -
Voluntary Life AD & D
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
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Download Flyers
Download the Plan Summary document below.
Download the Statement of Health document below.
Download the full certificate of Life Insurance benefits coverage below.
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How To Submit A Claim
Life/AD&D
Claims can be submitted using the fax or address on the claim form, or via email at 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
- 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
Download the Claims Form below.