Download Optional Term Life Certificate
If you enrolled in the term program prior to October 1, 2005 and would like a copy of your certificate, please call 888/423-8700.
The AFT is always looking for ways to improve your benefits plan and wants you to have the opportunity to receive the life coverage that meets your individual needs at a price you can afford. Getting the income protection needed to guard against life’s uncertainties shouldn’t be difficult. That’s why the AFT is offering you a life benefits plan from MetLife®, a leader in group life insurance. This coverage is designed to provide your family with a financial foundation you can build upon. You can benefit from all that MetLife offers, including:
- Optional Life Insurance, which features Accidental Death and Dismemberment Coverage (Member Paid)
The AFT recognizes how important it is to provide you with an opportunity to get additional life insurance coverage to help meet your family’s needs. Life insurance is a critical part of planning for the future and your needs may change over time. (Please use the link above to view the Product Brochure for additional information on this valuable benefit.)
Since this is voluntary member-paid coverage, premiums will be billed to you by the AFT’s insurance administrator, Future Planning Associates, Inc.
What are my options?
After carefully considering your lifestyle, you can decide just how much life insurance coverage is right for you. You can choose coverage in the amount of up to six times your base annual earnings.
What are the maximum amounts I can enroll for?
The maximum amount of Optional Life coverage you can receive is $1 million.
What are the Optional Life Insurance features and services?
- Accelerated Benefits
- Conversion
Accidental Death and Dismemberment (AD&D)
Accidents can happen to anyone. In fact, accidents are the leading cause of death for people under age 35 and the fifth leading cause of death for people of all ages.* In addition, an estimated 10.7 million workers suffered disabling injuries on and off the job in 2001**. Fortunately, you can help protect yourself and your family from the financial impact of an accidental death or serious injury with AD&D insurance.
When you enroll for Optional Life insurance, you are automatically enrolled in AD&D insurance. The benefit amount for AD&D insurance is equal to the benefit amount for Optional Life coverage. Since this is voluntary member-paid coverage, premiums will be billed to you by the AFT’s insurance administrator, Future Planning Associates, Inc.
*National Safety Council®, Injury Facts®, page 10, 2002 Edition.
** Ibid, page 52.
What is covered under this plan?
AD&D insurance provides benefits for accidental loss of life or serious accidents based on a benefit schedule.
What are the AD&D insurance features and services?
- Child Care Benefit
- Child Education Benefit
- Coma Benefit
- Hospital Confinement Benefit
- Job-Related Injury Benefit
- Seat Belt Benefit
- Spouse Education Benefit
- Work Place Felonious Assault Benefit
AD&D coverage is provided under a group insurance policy (Policy Form GPNP99) issued to the American Federation of Teachers by MetLife. AD&D terminates when a member’s employment ceases, when a member’s contributions cease or upon termination of the group contract.
