Life and Accident Insurance
Life and accident insurance benefits offer an important source of financial assistance for you and your survivors. Company-Paid Life Insurance ― A base level of protection at no cost to you that provides financial assistance to your beneficiary(ies) in the event of your death. Employee-Paid Life Insurance ― Added protection you can purchase to provide additional financial assistance to your beneficiary(ies) in the event of your death. Dependent Life Insurance ― Coverage you can purchase for your spouse/domestic partner and/or child(ren). Voluntary Group Accident Insurance (VGA) ― Offers financial assistance for you and your beneficiaries in the event of a covered accidental death, dismemberment, disability or other serious injury. Business Travel Accident (BTA) and Occupational Accident Insurance (OAI) ― Offers financial assistance for you and your beneficiaries in the event of a covered accidental death, dismemberment, disability or other serious injury, while on business travel or on-the-job ― at no additional cost to you.
Make your choice
Other considerations
Understand the coverage offered and options available. Learn more.
Consider the cost for optional coverage, which varies based on the type of coverage (see the Dow U.S. Benefits Site for specific costs). For employee and spouse/domestic partner life insurance, both age and tobacco use are factors, along with the amount of coverage you elect. For child life insurance, it is based on the amount of coverage you select (and there is no additional cost for insuring more than one eligible child). For the VGA options, your cost depends on the coverage amount you select. If you select VGA coverage for yourself, coverage for your dependent child(ren) is automatic at no additional cost to you.
Consider the age of your child(ren)
When your dependents turn age 26, they are no longer eligible for medical, dental, vision, life insurance and Voluntary Group Accident (VGA) insurance. For life insurance, this applies up to the end of the month in which they turn age 26 (regardless of student status), unless physically or mentally incapable of self-support. For VGA, the age 26 rule only applies if they are a full-time student (otherwise eligibility ends at the end of the month in which they turn age 19, unless physically or mentally incapable of self-support). If you previously selected child coverage but no longer have any eligible children, be sure to update your elections when you enroll. If you would like to continue life insurance and/or VGA insurance for a child who is physically or mentally incapable of self-support, call (833) 693-6947 (MYDOWHR) for assistance.
Your life insurance comes with a few extra benefits. These include:
- Funeral planning and discounts (available through company-paid life insurance) ― Access to counselors and discounts on funeral services through Dignity Memorial. Visit the financial planning and discounts website or call (866) 853-0954.
- Grief counseling (available through company and employee-paid optional life insurance and managed by TELUS Health) ― receive help dealing with any type of loss (up to five counseling sessions per event at no cost to you). Call (888) 319-7819 or visit the grief counseling website (username: metlifeassist | password: support).
- Will preparation and estate resolution services (available through employee-paid optional life insurance) – offers assistance preparing or updating a standard will for little or no cost through MetLife Legal Plans. Call (800) 821-6400 (group number 11700). Learn more about will preparation and estate resolution services.
Consider documenting your own preferences and other key information to help support your loved ones when they need it most. Use the MetLife Funeral Planning Guide (New York guide | outside New York guide).
Considerations for spouse/domestic partner VGA coverage
- You must enroll for Employee VGA coverage in order to enroll for spouse/domestic partner VGA coverage.
- If you both work for Dow, you must each enroll separately for Employee VGA coverage (you cannot cover each other).
Other considerations
Your life insurance comes with a few extra benefits. These include:
- Funeral planning and discounts (available through company-paid life insurance) ― Access to counselors and discounts on funeral services through Dignity Memorial. Visit the financial planning and discounts website or call (866) 853-0954.
- Grief counseling (available through company and employee-paid optional life insurance and managed by TELUS Health) ― receive help dealing with any type of loss (up to five counseling sessions per event at no cost to you). Call (888) 319-7819 or visit the grief counseling website (username: metlifeassist | password: support).
- Will preparation and estate resolution services (available through employee-paid optional life insurance) – offers assistance preparing or updating a standard will for little or no cost through MetLife Legal Plans. Call (800) 821-6400 (group number 11700). Learn more about will preparation and estate resolution services.
Consider documenting your own preferences and other key information to help support your loved ones when they need it most. Use the MetLife Funeral Planning Guide (New York guide | outside New York guide).
Considerations for spouse/domestic partner VGA coverage
- You must enroll for Employee VGA coverage in order to enroll for spouse/domestic partner VGA coverage.
- If you both work for Dow, you must each enroll separately for Employee VGA coverage (you cannot cover each other).