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Life Insurance

Metro provides active employees - at no cost to you - with basic life insurance and accidental death and dismemberment (AD&D) insurance. Each employee is covered with $50,000 in basic life and $50,000 for AD&D. Active employees over the age of 65 are covered in the amount of $32,500 for both basic life and AD&D. As a disability or service pensioner, Metro will provide you with $10,000 in basic life insurance coverage.


Phone: 877-232-3619

Group Life Insurance Policy

Beneficiary Form

Supplemental Life and Dependent Life Insurance

As a new employee, you may elect to purchase additional life insurance in $10,000 increments up to a maximum of $200,000 without proof of good health. If you have a known condition that might preclude you from being approved by the insurance company, you should strongly consider enrolling when you first become eligible. If you decide to wait and enroll later, you will be required to provide proof of good health.

If you are already an employee or enrolled in supplemental life, you may increase your coverage in increments of $10,000 to a maximum of $500,000 with proof of good health (or evidence of insurability – EOI) at Annual Enrollment or if you have certain eligible changes in status. If you are already enrolled, you may increase your coverage by $10,000 at Annual Enrollment without proof of good health (as long as the increase does not take you above $200,000).

If you are enrolled in supplemental life insurance, you may also enroll in dependent life which provides $5,000 for each dependent child (up to age 24) regardless of the number of dependents and $10,000 to $50,000 (in $10,000 increments) for your legal spouse or domestic partner (in accordance with the Domestic Partnership Policy). The employee is automatically the beneficiary for dependent life claims.

You may enroll your spouse/domestic partner with $10,000 without proof of good health (EOI) if you enroll when you first become eligible – either at benefit eligibility or within 60 days of your marriage. Dependent children are not subject to proof of good health. You may increase your dependent life coverage on your spouse/domestic partner during Annual Enrollment or at the time of an eligible change in status event.

You may make changes to your Supplemental Life and Dependent Life coverage within 60 days of an eligible change in status or during Annual Enrollment.

Waiver of Premium

If you are under the age of 60 and you become totally disabled according to the life insurance carrier’s standards (not Metro’s), you may apply for the waiver of premium for basic life, supplemental life and dependent life benefits and have your premiums waived as long as you continue to be disabled.  You must apply within 12 months of the date you became disabled.  If approved, your pre-retirement level of benefits may remain in effect until your age 70 as long as you continue to meet the life insurance carrier’s criteria.

If you qualify for the waiver of premium, this is a free benefit to you.  If you are denied for the waiver of premium benefit, you have 30 days from the date of the denial to appeal the insurance company’s decision.  If your appeal is denied, or you elect not to appeal the denial, you may convert to an individual policy; however, you must make written application and payment of premium within 31 days from the time the insurance company denies your waiver of premium application.  To appeal or convert, you must contact the life insurance company directly.  

Conversion and Portability Rights

If you leave your job, your life insurance coverage will end. To convert and/or port all or part of your life insurance benefits to an individual policy, you must apply and pay for the first premium within 31 days after your coverage ends. For more information about your conversion and portability rights, contact the life insurance carrier.

Learn about converting or porting my life insurance