Proprietary 8-23 Identity theft program Participants in MetLife’s AD&D plan automatically receive Identity Theft Solutions coverage, provided by AXA Assistance USA. This service is available at no additional cost and provides you and your dependents with assistance in obtaining free credit reports, educational materials on identity theft and help placing “fraud alerts” with credit bureaus, as well as 24/7 access to case managers. Case managers can provide assistance with taking inventory of lost or stolen items and directing you to the appropriate contacts for resolution. They will help you with police and credit reports, contacting credit or fraud departments, government agencies and local law enforcement, as well as filing complaints with the Federal Trade Commission. MetLife Voluntary AD&D Insurance This insurance is payable for loss of limb, eyesight, speech, hearing, life, or paralysis caused by an accident. The full amount is paid for loss of life, total and irreversible paralysis of all four limbs, brain damage, and loss of speech and hearing. A percentage of the full amount is paid for loss of limb, eyesight, speech, or hearing and loss of the thumb and index finger of the same hand. You may purchase MetLife Voluntary AD&D insurance whether or not you buy group life and AD&D insurance. Coverage options You can elect from $50,000 to $300,000 of voluntary AD&D coverage in multiples of $50,000. You also can elect to cover your spouse for an equal amount and your children for 10% of your insurance amount, to a maximum of $30,000 per child. Your spouse’s coverage terminates at the end of the calendar year in which he or she reaches age 70. A child may be covered until age 26. Submitting a claim Contact the Farmers Agent Benefits Department if you need to file a Voluntary AD&D insurance claim. What the AD&D Plans do not cover AD&D insurance plans do not cover certain types of losses, including those associated with the following: n Intentionally self-inflicted injury while sane or insane, suicide, or attempted suicide n Disease of the body, bodily or mental infirmity, or any bacterial infection other than bacterial infection due directly to an accidental cut or wound n War or any act of war, declared or undeclared These are not the only exclusions under these plans. For information on other limitations and exclusions, and for more details on those listed here, please review the SPD. 7
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