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Retiree AD&D Insurance

AD&D coverage during retirement.


  • MetLife Conversion Unit
  • 877-275-6387 (Whole Life)
  • MetLife Portability Unit
  • 888-252-3607 (Group Term Life)

Accidental death & dismemberment (AD&D) benefits for retirees

The AD&D plan for retirees is paid entirely by the retiree.


Voluntary Retiree AD&D Enrollment through MetLife (Offered under LANL Group Rates): 

  • You must have been enrolled in the active plan prior to retirement to enroll in this coverage
  • The annual premium for retiree AD&D coverage is based on LANL active group rates
  • Once MetLife receives notification from LANL that your termination was for retirement, an enrollment form along with premium information will be mailed to you
  • Your LANL coverage ends the last day of the pay period of your termination
  • You will have 31 days to enroll from the date of your LANL loss of coverage 

You can purchase AD&D for you and/or a dependent spouse only

Voluntary Principal Sum Amount Options: 

  • Option 1:  $10,000
  • Option 2:  $25,000
  • Option 3:  $50,000
  • Option 4:  $100,000
  • Option 5:  Amount previously elected as an active employee not to exceed $250,000 

Principal Sum for your Eligible Dependent Spouse upon their passing:

  • 60% of the Retiree Principal Sum Amount
Formula to Determine Annual Premium
  •     Retiree Only: $0.51
  •     Retiree & Spouse: $.78

Principal Sum Amount ÷ 1,000 x Annual Rate = Retiree Annual Premium

Principle Sum Amounts
Option 1 $10,000
Option 2 $25,000
Option 3 $50,000
Option 4 $100,000
Option 5 Amount previously elected as an Active Employee not to exceed $250,000
For Eligible
Dependent Spouse
60% of the Retiree Principal Sum