Proprietary 8-23 6 own expense. This group insurance is administered through MetLife, and the premium must be submitted directly to MetLife on a monthly basis. You can continue this same amount or a lesser amount of coverage, but coverage cannot exceed $2,000,000, or go below $10,000. The application period for portable term coverage is 31 days from the date of termination of benefits. You must elect portable coverage in order for your dependents to elect portable coverage. Michigan residents can port a maximum of $173,400, and portability coverage reduces by 50% at age 70 and terminates at age 100. In the event of your death, your spouse is eligible to port up to age 70 and dependent children are eligible to port until age 26, provided they are not employed on a full-time basis. Converting life insurance You may convert the amounts of life insurance you lose when you leave to an individual whole life insurance policy by purchasing the policy at standard rates from Mass Mutual. If you have questions, you can arrange a meeting with a local Barnum Financial Group professional by calling 877.275.6387 Monday - Friday, 9:00 a.m. to 6:00 p.m. (ET). You will not have to submit evidence of insurability if you choose to convert your coverage. However, you must apply for conversion within 31 days of when your coverage ends, or else you will not be eligible for conversion. You will receive a conversion notice from MetLife when you leave. Travel assistance Participants in MetLife’s AD&D plan automatically receive the emergency travel assistance program, provided by AXA Assistance USA. This plan provides professional assistance for travelers (including a spouse/registered domestic partner and eligible dependents) who are traveling on business or pleasure almost anywhere in the world and at least 100 miles or more from home. You can learn more by contacting AXA at 800.454.3679. AXA’s Travel Assistance program provides a wide range of services through a network of highly qualified professionals who are multilingual and board-certified physicians. Some of the services available include assistance 24 hours a day for medical emergencies, emergency prescription services, evacuation, return of mortal remains, care for minor children, legal and interpreter referrals, as well as assistance to locate lost luggage. Will preparation service Participants in MetLife’s Basic Life plans are automatically eligible for the Will Preparation Service provided by MetLife Legal Plans, a MetLife company. Fees for a participating attorney to prepare or update a will for you and your spouse are fully covered, including telephone and office consultations. If you use a nonnetwork attorney, you will receive reimbursement for eligible services up to a set dollar amount. To find out more, call the MetLife Legal Plans’ toll-free number at 800.821.6400. THE ACCELERATED BENEFIT OPTION: Under MetLife’s Accelerated Benefit Option, if you become terminally ill (as determined by the plan), you may be eligible to receive a portion of your group life insurance benefits while you are still living. Benefits not paid in advance will remain with the plan and will be payable to your beneficiary.
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