Overview

For purposes of this section, a "spouse" includes a qualified domestic partner. The Spouse Life plan pays benefits to you upon the death of your spouse. You may purchase Spouse Life insurance coverage in increments of $20,000 to a maximum of $200,000.

Under the Spouse Life plan, your spouse or domestic partner will also receive Spouse AD&D insurance coverage. Spouse AD&D insurance provides additional benefits to you if your spouse is seriously injured or dies in an accident. The amount of Spouse AD&D insurance coverage is equal to the Spouse Life insurance coverage you purchase through this plan.

The insurance carrier for Spouse Life/AD&D coverage 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 the plan:

• Medical Evidence of Insurability

  If you elect more than $40,000 in coverage when your spouse is first eligible for Spouse Life Insurance, your spouse will be required to provide medical evidence of insurability (EOI) to MetLife. If your spouse's application for the amount over $40,000 is not approved, coverage will be limited to $40,000.

  After the initial eligibility date for Spouse Life coverage, your spouse will be required to provide medical EOI if you previously waived coverage or if you are electing to increase coverage during annual benefits enrollment or during a qualified status change.

  After you make your election, MetLife will send you an email with a link to the MetLife Web site so that you can complete the EOI form. You may complete the EOI form online with your spouse's information; however, you will need to print the completed form, sign it, have your spouse sign it and mail the original to MetLife. Coverage will become effective the first of the month following the date MetLife approves the EOI form. If an EOI form is not approved, the amount of insurance you had in effect prior to applying for the increased coverage will continue.

• Nonsmoker discount

  Your spouse may be eligible for a nonsmoker discount under the Spouse Life/AD&D plan. To be eligible, your spouse must not have used tobacco products during the previous 6 months and your spouse must not intend to use tobacco products in the future. Tobacco products under the plan are defined as cigarettes, cigars, pipes, chewing tobacco and snuff.

• Beneficiary

  You, the employee, are automatically the beneficiary for Spouse Life/AD&D Insurance.

Eligibility

You are eligible to participate if you are a regular status, salaried employee of Travelers scheduled to work at least 20 hours a week.

You are eligible to elect Spouse Life/AD&D coverage for your spouse or domestic partner if you are a regular status, salaried employee of Travelers scheduled to work at least 20 hours a week. Your spouse or domestic partner is eligible for coverage unless they are in the military of any country or live outside the U.S. or Canada. Domestic Partners are eligible for coverage under the Spouse Life/AD&D plan. In order to enroll your domestic partner, you must complete the Domestic Partner Affidavit and Agreement and the Certification of Domestic Partner Tax Status forms (PDF).*

For questions concerning Optional Life/AD&D Insurance coverage at retirement, contact the Employee Services Unit (ESU) at 4-ESU@travelers.com or 800.441.4378.

Cost

Premiums for Spouse Life/AD&D are based on the amount of coverage you elect, your spouse's current age and your spouse's smoker status. Premiums are deducted from your paycheck on an after-tax basis.

Calculate Your Rates

Related Programs & Resources

For questions concerning plan details, eligibility, cost, and when coverage begins or ends, please refer to the Life and AD&D Benefit Plan Summary (PDF), the MetLife Certificate (PDF), or contact the ESU at 4-ESU@travelers.com or 800.441.4378.

How to Enroll

Access the How to Enroll page for enrollment instructions.