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Accidental Death & Dismemberment

MetLife administers the Vanderbilt Accidental Death and Dismemberment program. Accidental Death & Dismemberment (AD&D) is a voluntary plan that pays a benefit if you lose your life, limbs, eyes, speech or hearing due to an accident. Full-time regular staff are eligible for AD&D coverage. You enroll as a new hire by using My VU Benefits. You can elect individual or family coverage in increments of $10,000 up to a maximum of 10 times your Annual Base Benefits Rate or $500,000, whichever is less. Changes can be made during annual Open Enrollment or if you experience a qualifying life event. If you choose family coverage, your spouse and children are covered at a percentage of the amount of coverage that you elect.

Family coverage includes your spouse/domestic partner and any dependent children between ages 1 and 19 years (or up to age 23 if attending school full-time).

There are three types of 'family' payouts:

  1. If you and your spouse/domestic partner have no children, the amount paid to you if your spouse/partner died in an accident (or paid to them if the accident caused dismemberment, but not death) would be 50% of your coverage.
  2. If you and your spouse/domestic partner have children, the amount paid to you if your spouse/partner died in an accident (or paid to them if the accident caused dismemberment, but not death) would be 40% of your coverage, and the amount paid to you if your child died in an accident (or paid to them if the accident caused dismemberment, but not death) would be 10% of your coverage.
  3. If you have children, but do not have a spouse/domestic partner, the amount paid to you if your child died in an accident (or paid to them if the accident caused dismemberment, but not death) would be 15% of your coverage.

Designating and Changing Beneficiaries

To designate or change your beneficiaries, go to My VU Benefits.

How to File a Claim

Contact the Benefits Office at 615.322.8977.


For complete details of the Accidental Death & Dismemberment Insurance benefit, refer to the “Life Insurance and Accidental Death & Dismemberment Summary Plan Description” on the Tools and Forms page.

MetLife 800.638.6420 or www.metlife.com


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