Life and AD&D Insurance

TriNet will continue to offer access to life insurance plan options through MetLife, including basic and supplemental life, as well as supplemental AD&D plan options.

How the Options Compare

	Basic Life and AD&D Insurance	Supplemental Life Insurance	Supplemental AD&D Insurance
Overview	Company-paid benefit for benefits eligible worksite employees. Companies are required to provide basic coverage of at least $10,000.	Worksite employee-paid benefit that covers death only.	Worksite employee-paid benefit that covers death or dismemberment resulting from an accident only.
Coverage for Worksite Employees	Company can choose from the following levels of coverage: 1X to 3X earnings, up to $1M $10,000 $20,000 $50,000 $100,000	Worksite employees can elect additional coverage to supplement basic coverage. Coverage levels are 1 to 6 x earnings, up to $2 million.** Statement of Health (SOH) and carrier approval is required when requested coverage level exceeds $300,000 or is increased by more than one increment.	Worksite employees can elect additional coverage to supplement basic coverage. Coverage levels are: $25,000 $50,000 $100,000 $250,000 $500,000 $750,000
Coverage for Spouse or Domestic Partner	N/A	Worksite employees who elect employee supplemental life coverage can also elect spouse or domestic partner coverage (100% of your supplemental life benefits or $250,000, whichever is lower) in $10,000 increments.** SOH and carrier approval is required when requested coverage exceeds $30,000 or is increased by more than one increment.	Worksite employees can elect additional coverage for eligible family members. Spouse or domestic partner coverage is 50% of worksite employee election amount.
Coverage for Child(ren)	N/A	Worksite employees who elect employee supplemental life coverage can also elect coverage for their child(ren) equal to $10,000 per child. Covers children up to age 26.	Worksite employees can elect additional coverage for eligible family members. Child coverage is 10% of employee election amount per child.

_{If a company selects a basic life insurance option, that is based on the amount of a worksite employee’s annual earnings (1X to 3X), the rate calculation will be based on each worksite employee's Basic Annual Earnings, which are calculated once per year.}

_{*Cap coverage automatically reduces at ages 65 (to 65%) and 70 (to 50%) for all plan options, except flat-dollar plans less than $50,000.}

_{**If a worksite employee did not elect supplemental life coverage when first benefits eligible, the worksite employee, spouse or domestic partner is subject to Statement of Health requirements and life insurance coverage will not be effective until approved by the insurance carrier. If the worksite employee elects to increase coverage they may be subject to Statement of Health requirements and, if so, the additional coverage elected will not be effective until approved by the insurance carrier.}