Insurance & Benefits
Life

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MMA, through MetLife, offers members Basic Term Life coverage that provides active employees with one year renewable term life insurance. It can be written on a stand-alone basis or with other coverages. This is 24-hour coverage that provides a benefit to a designated beneficiary if an insured employee dies from any cause.

Basic Life

• Insurance schedules
• Flat amount of coverage
• Occupational classes
• Multiple of “Basic Annual Salary” (1x, 1.5x, 2x or 3x)
• Maximum benefit
• $120,000 standard (up to $150,000 with underwriting approval)
• Minimum benefit
• $10,000
• Underwriting
• Medically underwritten for fewer than 10 employees

Accidental Death or Dismemberment (AD&D) provides benefits for accidental death, the loss of foot, hand or eyesight and is a low cost complement to basic term life insurance.

Core/Buy-Up Life

Core

• Minimum benefit: $10,000
• Must cover 100% of all eligible employees
• Must be non-contributory — 100% employer paid

Buy-Up

• Additional coverage in $10,000 increments
• Maximum benefit of $120,000 (combined with Core)
• Minimum participation of 10% of eligible employees
• 100% employee pay all
• $10,000 guaranteed issue — additional ammounts subject to medical questionnaire

Dependent Life

Dependent Life provides employees basic term life insurance for their spouse and/or children at group rates. (This coverage may only be purchased with a basic term life plan.)

• Insurance Schedules
• Flat amount of coverage for spouse and child
• Various schedules available
• Spouse coverage ranging from $2,000 to $10,000
• Child coverage ranging from $1,000 to $5,000
• Child’s Age
• Plans with $2,000 benefit or less: 15 days to age 19 (25 for full-time students)
• Plans greater than $2,000 benefit pay a reduced benefit of $500 — 15 days to 6 months of age

Special Features

• MMA offers local billing and administration from dedicated account representatives. The account representatives are available to service all of your needs and, by working closely with you, can respond to your needs quickly. Account representatives can be reached at 800-842-6513.
• Local MMA-dedicated MetLife underwriters evaluate the risk and have the authority to issue a risk acceptance letter once the required information has been obtained. This flexibility and commitment enables our team to provide the timely service you require. Underwriters can be reached at 800-645-2371.

For more information, please contact MMA Insurance & Benefits at 800-842-6513.