Insurance Coverage for LANL Employees
Los Alamos National Laboratory (LANL) provides employees with a comprehensive benefits package that includes both life and disability insurance coverage through MetLife. These plans are designed to offer financial protection for employees and their families in the event of unforeseen circumstances.
Life Insurance
Life insurance, offered through MetLife, provides a financial benefit to designated beneficiaries upon the covered individual’s death.
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Basic Life: This coverage, paid for by LANL, provides a benefit equal to one times your annual earnings, rounded up to the nearest $1,000 (with a minimum of $5,000 and a maximum of $50,000). Eligible employees are automatically enrolled.
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Supplemental Life: Employees can purchase additional coverage with Supplemental Life insurance to increase their protection. The amount of coverage available ranges from one to eight times your annual earnings. The cost depends on your age, salary, and the total amount of coverage selected.
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Dependent Life: This provides a financial benefit if you experience the loss of a spouse, domestic partner, or child. The cost varies depending on the chosen coverage level and the dependents covered. Note: New hires can enroll in Supplemental Life up to three times their annual earnings without needing to provide proof of insurability. Spouses and domestic partners can be enrolled for up to $50,000 without proof of insurability during the new hire period. Enrollment after the initial period may require evidence of insurability.
Accidental Death and Dismemberment (AD&D) Insurance
Accidental Death and Dismemberment (AD&D) insurance protects employees and their families from the financial impact of an accident causing death, dismemberment, paralysis, or loss of sight, speech, or hearing. This coverage, also offered through MetLife, offers coverage levels ranging from $50,000 to $500,000, with affordable semi-monthly premiums.
Disability Coverage
LANL offers both short-term and long-term disability coverage through MetLife to protect your income if you are unable to work due to illness or injury. LANL pays the premiums for these important plans.
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Short-Term Disability: Under this coverage, you will receive 100% of your base salary for the first seven weeks, followed by 60% for the remainder of the benefit period. Eligible employees are automatically enrolled.
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Long-Term Disability: This coverage provides a monthly benefit up to $15,000 per month for disabilities that last longer than 26 weeks. Enrollment is also automatic.
Business Travel Accident Insurance
Employees whose job responsibilities involve business travel are also automatically covered for $100,000 in travel accident insurance. LANL pays these premiums, providing an extra layer of protection.
Contact Information
- MetLife Website: MetOnline
- Member Services (Life): 800-638-6420
- Disability Claim Service: 833-622-0139
- Triad Customer Number: 228241
- LANL Benefits Office: (505) 664-6947, option 3; [email protected]
