{"id":4417,"date":"2017-11-24T09:34:03","date_gmt":"2017-11-24T17:34:03","guid":{"rendered":"http:\/\/hr.uw.edu\/benefits\/?page_id=4417"},"modified":"2026-06-25T15:20:20","modified_gmt":"2026-06-25T22:20:20","slug":"life-insurance-accidental-death-dismemberment","status":"publish","type":"page","link":"https:\/\/hr.uw.edu\/benefits\/insurance\/other\/life-insurance-accidental-death-dismemberment\/","title":{"rendered":"Life insurance and accidental death and dismemberment insurance"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_85 ez-toc-wrap-left counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title ez-toc-toggle\" style=\"cursor:pointer\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #000000;color:#000000\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #000000;color:#000000\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/hr.uw.edu\/benefits\/insurance\/other\/life-insurance-accidental-death-dismemberment\/#Optional-life-and-AD-D-insurance-available-through-MetLife\" >Optional life and AD&amp;D insurance available through MetLife<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/hr.uw.edu\/benefits\/insurance\/other\/life-insurance-accidental-death-dismemberment\/#When-can-I-enroll\" >When can I enroll?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/hr.uw.edu\/benefits\/insurance\/other\/life-insurance-accidental-death-dismemberment\/#How-do-I-enroll\" >How do I enroll?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/hr.uw.edu\/benefits\/insurance\/other\/life-insurance-accidental-death-dismemberment\/#How-much-insurance-do-I-need\" >How much insurance do I need?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/hr.uw.edu\/benefits\/insurance\/other\/life-insurance-accidental-death-dismemberment\/#How-much-will-Optional-Life-Insurance-cost\" >How much will Optional Life Insurance\u00a0cost?<\/a><\/li><\/ul><\/nav><\/div>\n<p>The PEBB Program offers life insurance through MetLife (Plan number 164995-1-G). This web page is a summary of benefits only. For more detailed information, please review the <a href=\"https:\/\/www.hca.wa.gov\/assets\/pebb\/pebb-metlife-employees-life-insurance-coc-2025.pdf\">MetLife Certificate of Coverage<\/a>.<\/p>\n<p>As part of your benefits package, you receive \u2014 at no cost to you \u2014 $35,000 of life insurance coverage and $5,000 of accidental death and dismemberment (AD&amp;D) coverage. You have the option to buy additional coverage (described below) by enrolling in the supplemental plans offered.<\/p>\n<p>We recommend you name your beneficiary for this coverage even if you are not electing any additional optional coverage(s) (described below) as you have the Basic employer-paid coverage.<\/p>\n<p>Remember you are eligible for coverage as long as you\u2019re <a href=\"https:\/\/hr.uw.edu\/benefits\/insurance\/health\/eligibility-for-insurance\/\">eligible for PEBB benefits<\/a>.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Optional-life-and-AD-D-insurance-available-through-MetLife\"><\/span>Optional life and AD&amp;D insurance available through MetLife<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<div class=\"table-responsive\">\n<table class=\"table table-striped table-sm\">\n<tbody>\n<tr>\n<th>Types of optional coverage<\/th>\n<th>Employee (subscriber)<\/th>\n<th>Spouse or state-registered\u00a0 domestic partner<\/th>\n<th>Child(ren)\u00a0 &#8211; ages 2 weeks\u00a0 up to 26 years<\/th>\n<\/tr>\n<tr>\n<td>Optional life<br \/>\ninsurance<\/td>\n<td>Increments of $10,000 up to $500,000 guaranteed issue*, up to a maximum of $1,000,000 with Medical Evidence of Insurability.<\/td>\n<td>Increments of $5,000 up to $100,000 guaranteed issue*, up to a maximum of $500,000 with Medical Evidence of Insurability. Coverage cannot exceed 50% of an employee&#8217;s optional life insurance.<\/td>\n<td>Increments of $5,000 up to $20,000<\/td>\n<\/tr>\n<tr>\n<td>Optional AD&amp;D insurance<\/td>\n<td>Increments of $10,000 up to $250,000.<br \/>\nOptional AD&amp;D insurance does not cover death and dismemberment from nonaccidental causes. Optional AD&amp;D Insurance never requires evidence of insurability, and you can apply at any time.<\/td>\n<td>Increments of $10,000 up to $250,000<\/td>\n<td>Increments of $5,000 up to $25,000<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<p>*Guaranteed issue is the amount of coverage an employee may select when initially eligible for coverage, within the required deadlines below, without submitting a statement of health for carrier approval.<\/p>\n<h2><\/h2>\n<h2><span class=\"ez-toc-section\" id=\"When-can-I-enroll\"><\/span>When can I enroll?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"margin-top: 0in;background: white\"><span style=\"color: #3d3d3d\">You may enroll<span class=\"apple-converted-space\">\u00a0<\/span><strong><span>no later than 31 days<\/span><\/strong><span class=\"apple-converted-space\"><b>\u00a0<\/b><\/span>after your eligibility date for PEBB benefits (see your eligibility notice for your personal eligibility date) for the following coverage,<span class=\"apple-converted-space\">\u00a0<\/span><strong><span>without providing evidence of insurability:<\/span><\/strong><\/span><\/p>\n<ul>\n<li>Optional Life Insurance for Employees up to $500,000.<\/li>\n<li>Optional Life Insurance for Spouse or State-Registered Domestic Partner up to $100,000.<\/li>\n<li>Optional Life Insurance for Children, all amounts Guaranteed Issue in increments of $5,000 up to $20,000.<\/li>\n<\/ul>\n<p>You <strong>must <\/strong>provide evidence of insurability to MetLife if you:<\/p>\n<ul>\n<li>Apply for Optional Life Insurance for yourself and\/or your spouse or state-registered domestic partner more than 31 days after becoming eligible for PEBB benefits.<\/li>\n<li>Request more than $500,000 in Optional Employee Life Insurance.<\/li>\n<li>Request more than $100,000 in Optional Life Insurance for your spouse or state-registered domestic partner.<\/li>\n<\/ul>\n<p>MetLife must approve your request for additional levels of coverage.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"How-do-I-enroll\"><\/span>How do I enroll?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Complete the <a href=\"https:\/\/www.hca.wa.gov\/assets\/perspay\/PEBB-MetLife-Employee-Enrollment-Change-form.pdf\">MetLife Employee Enrollment\/Change form<\/a> and fax or mail directly to MetLife, or complete enrollment directly with <a href=\"https:\/\/online.metlife.com\/edge\/web\/public\/benefits\/index?groupNumber=164995\">MetLife<\/a>.<\/p>\n<p>Note: If you need to search by employer or association, the group for PEBB coverage is &#8220;WA State Health Care Authority PEBB&#8221;<\/p>\n<p>If you have any questions regarding enrollment or if you prefer to complete a paper enrollment form, please contact MetLife at 1-866-548-7139.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"How-much-insurance-do-I-need\"><\/span>How much insurance do I need?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><a href=\"https:\/\/online.metlife.com\/edge\/web\/public\/viewGroupBenefits?linkType=14&amp;prodCode=TRL&amp;groupNumber=164995&amp;uniqueId=null\">Fill out the easy-to-use life insurance calculator<\/a> to find out how much additional life insurance you need.<\/p>\n<p><strong>Maintaining Optional Life Insurance during leave<\/strong><\/p>\n<p>For employees who are on unpaid leave, are furloughed, or are not scheduled for work for more than three consecutive pay periods, you will be placed on direct billing by MetLife.<\/p>\n<p>EMPLOYEE ACTION REQUIRED: When you are placed on direct billing, MetLife will send you a bill for your missed premiums. Make sure your mailing address is updated in Workday. If you don&#8217;t pay your life insurance premiums directly to MetLife, your optional life insurance will be terminated.<\/p>\n<p>To restart your payroll deductions once you return to work, contact <a href=\"mailto:benefits@uw.edu\">UW Benefits<\/a>. If you do not contact UW Benefits, you will continue to be billed directly by MetLife.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"How-much-will-Optional-Life-Insurance-cost\"><\/span>How much will Optional Life Insurance\u00a0cost?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Check out the PEBB Monthly <a href=\"https:\/\/www.hca.wa.gov\/employee-retiree-benefits\/public-employees\/life-insurance-premiums\">Premiums<\/a> for Optional Life Insurance.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>See your basic coverage amounts and learn how you can buy additional coverage for you and your family.<\/p>\n","protected":false},"author":49,"featured_media":0,"parent":4413,"menu_order":20,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"_lmt_disableupdate":"no","_lmt_disable":"","footnotes":""},"categories":[],"class_list":["post-4417","page","type-page","status-publish","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/hr.uw.edu\/benefits\/wp-json\/wp\/v2\/pages\/4417","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/hr.uw.edu\/benefits\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/hr.uw.edu\/benefits\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/hr.uw.edu\/benefits\/wp-json\/wp\/v2\/users\/49"}],"replies":[{"embeddable":true,"href":"https:\/\/hr.uw.edu\/benefits\/wp-json\/wp\/v2\/comments?post=4417"}],"version-history":[{"count":0,"href":"https:\/\/hr.uw.edu\/benefits\/wp-json\/wp\/v2\/pages\/4417\/revisions"}],"up":[{"embeddable":true,"href":"https:\/\/hr.uw.edu\/benefits\/wp-json\/wp\/v2\/pages\/4413"}],"wp:attachment":[{"href":"https:\/\/hr.uw.edu\/benefits\/wp-json\/wp\/v2\/media?parent=4417"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/hr.uw.edu\/benefits\/wp-json\/wp\/v2\/categories?post=4417"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}