Dartmouth College offers group term life insurance and dependent life insurance policies managed by MetLife.
|Beneficiaries||Filing a Claim|
|Changing Coverage||Hyatt Attorney List|
|Dependent Life||Statement of Health Form|
|Electing Coverage||Travel & Accident Insurance|
|Estate Resolution||Will Preparation|
As a new hire, you are eligible to elect coverage up to 2.5 times your pay without a Statement of Health Form. If you choose to elect more than 2.5 times your annual salary or the maximum of $1,000,000, you will be required to complete the Statement of Health Form.
Any increases in your life insurance amount that occurs after your new hire election period must be elected during the Open Enrollment period or within a 30 days of a Status Change event. You may increase one level of coverage during a Mid Year Qualifying event, without having to complete a Statement of Health (with the exception of crossing over 2.5 times annual salary). An increase during Open Enrollment will require completion of the Statement of Health Form.
You will not see the additional life insurance on your confirmation statement until MetLife has approved your request and notified the Benefits Office.
You name the beneficiary(ies) of your life insurance policy and may change your beneficiaries at any time. This is done by logging into the FlexOnline system and selecting "Designate Beneficiaries." You may choose primary and contingent beneficiaries. The total percentages for each group of primary and contingent beneficiaries must equal 100 percent.
You may elect life insurance for your dependents. This is a life insurance policy in which you are the named beneficiary in the event that something should happen to your insured dependents. You may elect coverage for your spouse (spouse, civil union partner or same sex domestic partner), your children, or your family (spouse & children). Coverage for a spouse is $25,000 and coverage for each child is $10,000.
This election must be made as a new hire, during Open Enrollment, or within 30 days of a Status Change event.
Travel Assistance is a valuable benefit that is provided and administered by AXA Assistance USA, Inc. through an arrangement with MetLife. This service offers you and your dependents medical, travel, legal, financial and concierge services, 24 hours a day, 365 days a year, while traveling internationally or domestically.With one quick toll-free phone call to the alarm center, you will receive assistance in obtaining the help you need through more than 600,000 pre-qualified providers worldwide. Best of all, you are automatically eligible for the Travel Assistance services with your MetLife Accidental Death & Dismemberment coverage.
Along with your Group MetLife Life Insurance, you will receive the benefit of MetLife Estate Resolution Services SM (ERS) at no additional cost when you use a participating plan attorney. This valuable service gives your beneficiaries the personal support of a Hyatt Legal Plans' attorney in-person or via telephone.
By participating in MetLife Estate Resolution Services SM, the participating plan attorney's fees are covered for the administrator or executor of your estate.
Having an up-to-date will is one of the most important things you can do for your family. Without a will, your assets may be distributed according to state law and not in accordance with your wishes. An up-to-date will establishes important decisions about the distribution of your assets. With Will Preparation, you have access to an important service that helps you ensure your family's future should something happen to you.
Will Preparation is offered by Hyatt Legal Pland, a MetLife company, and provides eligible employees and their spouses with face-to-face access to attorneys participating in Hyatt Legal Plans network for preparing or updating a will, living will and power of attorney. When you choose a participating Hyatt Legal Plans attorney, the attorney's fees are fully covered and there are no claim forms to file. You also have the flexibility of using a nonnetwork attorney and being reimbursed for covered services according to a set fee schedule. Note - It is the responsibility of the employee to perform any due diligence necessary in order to receive the full benefit of this program
In the unfortunate case that you or your dependents must make a claim, the Benefits Office should be contacted. An official copy of the death certificate must be provided in order to file a claim.
Your life insurance is eligible for portability or conversion. Should you leave your employment at Dartmouth College, you will receive information from MetLife on continuing your coverage. You may not cash out the life insurance. Cash out is only available to your beneficiaries upon your death.
You should contact the Benefits Office with any questions or to make a claim.
Last Updated: 8/20/14