The Plan at a Glance

MMC Benefits Handbook

The Basic Life Insurance Plan is a Company-paid group-term life insurance plan. The chart below contains some important program features. For more information, see "How the Plan Works."


Plan Feature	Highlights
How the Plan Works	Your Company-paid death benefit is equal to: one times your salary rounded to the next $1,000, if not already an even multiple of $1,000. There is no minimum or maximum death benefit amount.
Eligibility	You are eligible to participate in this Plan if you meet the eligibility requirements set forth below. See "Participating in the Plan" for details.
Enrollment	Coverage is automatic.
Advanced Payment of Benefit	The Plan contains an Accelerated Benefit Option for employees. If you are certified by a medical physician to have a life expectancy of six months or less and you are not expected to recover, you may receive an "advance" (subject to certain maximum limitations) against life insurance proceeds payable at the time of your death. The Accelerated Benefit Option is payable as long as you are eligible to receive this benefit and are not subject to any of the exclusions described below. See "Accelerated Benefit Option" for details.
Grief Counseling Services	The Plan includes Grief Counseling Services. This service is automatically available at no cost. You and your family will have access to licensed counselors who provide professional and confidential support during difficult times. For questions and assistance, contact LifeWorks US Inc. at +1 888 319 7819 or visit metlifegc.lifeworks.com. The login information for the website is: username = metlifeassist and password = support. See "Grief Counseling" for additional information.
Funeral Discount and Planning Services	The Plan includes Funeral Discount and Planning Services. This service is automatically available at no cost. (Note: The service is not available in NY, KY, FL, WA, MT, ND, SD, WY and AK.) You and your family will have access to compassionate counselors as well as discounts on funeral services through the largest network of funeral homes and cemetery providers in North America. For questions and assistance, contact Dignity Memorial counselors at +1 866 853 0954 or visit www.finalwishesplanning.com. See "Funeral Discount and Planning Services" for additional information.
Survivor Assistance	The Plan includes the Survivor Assistance: MetLife Advice for Beneficiaries - Delivering The Promise® (DTP) feature. This program is automatically available at no cost to plan participants or beneficiaries. If you are a plan participant or beneficiary who has experienced the death of a loved one, contact HR Services at +1 866 374 2662. See "Survivor Assistance" for additional information.
Contact Information	For more information, contact the Claims Administrator: Metropolitan Life Insurance Company 200 Park Avenue New York, NY 10166 For additional questions, you may contact HR Services at +1 866 374 2662, any business day, from 8 a.m. to 8 p.m., Eastern time. Marsh McLennan does not administer the Plan. Metropolitan Life Insurance Company's decisions are final and binding.