Life Insurance and Accidental Death and Dismemberment

All actively eligible participants are entitled to Life Insurance and Accidental Death and Dismemberment Insurance (AD&D), whether injury or death occurs on or off the job, and regardless of medical plan enrollment. COBRA participants are excluded.

These benefits are provided by the Plan through MetLife

  Life Insurance Benefit AD&D Benefit
Participant $20,000 $5,000 - $20,000
Dependent (if enrolled) $3,000 $0


Accelerated Benefit Option for Terminal Illness

An Accelerated Benefit Option is available to Participants who are considered to be terminally ill and are expected to die within 12 months. In this case, Participants can request that the benefit amount be paid to the Participant directly or to a legal representative.


Portability and Conversion Options

MetLife offers Portability and Conversion options. Participants and dependents who are no longer eligible for Life Insurance coverage under the Health & Welfare Plan may have the option to continue their life insurance coverage by paying a monthly premium directly to MetLife.

Participants and dependents will not be required to provide evidence of insurability to qualify to Port or Convert their coverage unless the participant requests to increase the amount of coverage.

See the MetLife Evidence of Coverage for details.


Assignment of Benefits for Funeral Arrangements

A beneficiary of a life insurance policy can request to assign the Life Insurance benefit to a funeral home to assist in paying for funeral arrangements.


Accidental Death & Dismemberment (AD&D)

AD&D benefits are payable to the Participant in the event of qualifying accidental injury. Qualifying injuries include the loss of a hand or foot, loss of sight, loss of hearing, loss of speech, or permanent paralysis.

In the event of a Participant's death due to a qualifying injury, the Participant's Life Insurance Beneficiary is entitled to the $20,000 AD&D death benefit in addition to the Life Insurance benefit.

Additional AD&D Benefits Payable to the Life Insurance Beneficiary (When the Participant dies of an accidental injury) at the end.

Benefit Description
Seat Belt / $2,000 The Participant was wearing a seat belt at the time of the accident.
Air Bag / $3,000 The Participant was wearing a seat belt and riding in seat protected by an air bag at the time of the accident.
Child Care / $600 (max) per year per child Payable for dependent children under the age of 13 enrolled in a Child Care Center
Child Education / $1,000 (max) per year per child up to 4 years Payable for children enrolled in (or to be enrolled within 1 year) a college, university, or vocational school
Spouse Education / $5,000 (max) Payable for 1 academic year for a spouse enrolled (or to be enrolled) as a full-time student in an accredited school.
Common Carrier / $10,000 Payable if the Participant dies in a public transportation accident.


Other MetLife Services

Grief Counseling

Funeral Planning

Will Preparation


Health and Welfare Coverage Extension for Families of Deceased Active Carpenters

If an Active Carpenter dies while classified as an Active Eligible as defined under the Plan and his death is the result of a work-related event that occurred while he was on the job working for a Contributing Employer (as determined by the Plan), Active Plan coverage for his surviving eligible dependents will continue for up to 24 months following the date their coverage would otherwise end because work and reserve hours are exhausted. There is no cost to the surviving eligible dependents for this coverage extension regardless of which Medical Plans they are enrolled in.

This coverage extension is only available to surviving dependents that are not covered by another Medical Plan. Additionally, the 24 months of free coverage will be cut short under the following circumstances:

  • Remarriage of the surviving spouse in which case coverage will cease for the former spouse and any dependent children at the end of the calendar month in which the marriage occurs;
  • As of the date the surviving spouse or dependent becomes covered by another Medical Plan;
  • As of the date a surviving dependent child no longer meets the Plan’s definition of a dependent. 

After the 24 months of free coverage (or sooner if that coverage terminates because of the three events listed above), the surviving dependents can elect self-pay COBRA continuation coverage. The duration of self-pay COBRA continuation coverage will be limited to 36 months less the number of months coverage is extended under the free extension.

This Health and Welfare extension for families of deceased active carpenters does not apply to special class employees.

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