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Accidental Death & Dismemberment

MetLife administers the Vanderbilt Accidental Death and Dismemberment program. Accidental Death and 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 the C2HR Benefits Enrollment Tool. 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, complete the Beneficiary Change Form found on the Tools and Forms page to make your desired changes.

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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