Voluntary Accidental Death & Dismemberment (AD&D)
When you consider your family's long-term financial needs - home, mortgage, child and eldercare, saving for college and retirement - even two-income families can face financial hardship if a wage earner has a covered injury or dies in an accident. This coverage is not only affordable, but is designed to complement your existing life insurance coverage and help you prepare for your family's financial future.
Plan at a Glance:
- Members age 60 and under may apply for up to $500,000 of coverage in $10,000 increments.1
- Spouse/domestic partner age 60 and under are eligible for up to 70% of the member benefit.2
- Spouse/domestic partner and children (together) are eligible for a benefit that is a percentage of the member benefit: 60% for spouse/domestic partner and 20% for children (14 days old through age 25).
- Coverage ends at age 80.3
- Special features and additional benefits may apply in certain situations if a death benefit is paid.
- Seat belt(s) are in use;
- Air bag(s) are in use;
- Traveling on a common carrier (i.e., commercial airline)
- Child care center, child education, spouse education, hospital confinement
Take the Next Step:
Talk with an experienced ASA Insurance Program representative:
1-855-874-0032
PDF Downloads:
Frequently Asked Questions
Plan Summary
This plan is not yet available to individuals in the following states: AK, ID, LA, ME, MD, MT, NH, OR, SD, WA.
Benefit Amounts and Semi-Annual Rates
| $100,000 | $300,000 | $500,000 | |
| Member | $13.80 | $41.40 | $69.00 |
| Member and Family | $18.60 | $55.80 | $93.00 |
1Percentage of coverage depends on type of loss.
2The amount of spouse or dependent coverage may vary by state laws and is subject to the limits imposed by the individual states.
3Once you reach age 70, your benefit will reduce by 50% of the original benefit.
You must be a member of the American Society of Anesthesiologists to qualify for this insurance plan. Coverage may not be available in all states. Like most group insurance policies, MetLife insurance policies contain certain exclusions, limitations, reductions of benefits and terms for keeping them in force. Any such exclusions, reductions or limitations will be described in the insurance certificate, the terms of which govern MetLife’s provision of coverage. You may also call your plan administrator, USI Affinity today at (855) 874-0032 for additional information.