Overview
The child life insurance plan pays benefits to you upon the death of your child. You can purchase child life coverage for your eligible children in increments of $5,000 to a maximum of $25,000.
The insurance carrier for child life insurance is the Metropolitan Life Insurance Company.
Additional Details
Comprehensive information about this benefit plan is contained within the Life and AD&D Benefit Plan Summary (PDF). In addition, below is some important information about this plan:
Medical Evidence of Insurability
When your child is first eligible for child life insurance, medical evidence of insurability is not required.
After the initial eligibility date for child life coverage, your children will be required to provide evidence of insurability if you previously waived coverage or if you are electing to increase coverage during Annual Benefits Enrollment or during a qualified status change. A separate evidence of insurability questionnaire will need to be completed for each child eligible for coverage.
After you make your election, MetLife will send you an email with a link to its Web site. For children under 18 years of age, you may complete and submit the evidence of insurability form online. For children age 18 and over, you may also complete the evidence of insurability form online; however, you must print the completed form, sign it, have your child sign it and mail the original to MetLife.
Coverage will be effective the first of the month following the date MetLife approves all your evidence of insurability forms. If the forms are not approved, the amount of insurance you had in effect prior to applying for the increased coverage will continue.
Eligibility
You are eligible to elect child life coverage if you are a regular status, salaried employee of Travelers scheduled to work at least 20 hours a week. You may elect coverage for your dependent children (defined as your natural, adopted, or step children or children of your domestic partner) and your sponsored dependents (defined as a child for whom you have legal guardianship). In general, dependent children and sponsored dependents must be unmarried, under age 19, or under age 25 if a full-time student.
In order to enroll your domestic partner's children, you must complete the Domestic Partner Affidavit and Agreement and the Certification of Domestic Partner Tax Status* forms (PDF).
Cost
Premiums for child life are based on the amount of coverage you elect. Premiums are deducted from your paycheck on an after-tax basis.
Calculate Your Rates
Related Programs & Resources
For questions concerning plan design, eligibility, cost and when coverage begins or ends, please refer to the:
You may also contact the Employee Services Unit (ESU) at 4-ESU@travelers.com or 800.441.4378 with any additional questions.
How to Enroll
Access the How to Enroll page for enrollment instructions.
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