Life and accidental death and dismemberment (AD&D) insurance can mean less financial stress during a difficult time.

Find Your Benefits

Life and AD&D coverage options vary by workgroup.

Airports and Reservations (CWA-IBT)

Life Insurance

Life insurance pays a benefit in the event you or a covered family member passes away.

BASIC LIFE INSURANCE

American pays the full cost of your basic life insurance, equal to two times your annual pay, up to $70,000 (you may elect a lower amount).

VOLUNTARY LIFE INSURANCE

You can also choose to take advantage of additional coverage, offered at group rates, to further protect you and your family. To view your individual costs, visit the Benefits Service Center.

Coverage options for you

  • One to eight times your annual pay

Coverage options for your spouse or domestic partner

  • One to three times your annual pay

Coverage options for your child(ren)*

  • $15,000

PROOF OF GOOD HEALTH REQUIREMENTS

Depending on your elections, proof of good health may be required.

Coverage requiring proof of good health becomes effective only after MetLife’s approval and payment of your first premium.

AD&D coverage**

Accidental death and dismemberment (AD&D) insurance pays a benefit in the event you or a covered family member suffers dismemberment or paralysis or dies as the result of a covered accidental injury.

Voluntary AD&D coverage

You may elect additional accident coverage for your and your family.

Coverage options for you

  • Up to $500,000 in multiples of $10,000

Coverage options for your spouse or domestic partner

  • Up to $350,000 in multiples of $10,000

Coverage options for your child(ren)*

  • $10,000 per child (when you elect child coverage, all eligible children are automatically covered)

 

* Please note that when two team members are married to each other, only one team member may cover their child(ren).

** AD&D does not provide a benefit for less severe accidental injuries. It pays a benefit only in the event of death; paralysis; or loss of limb, sight, speech or hearing. If you wish to enroll in accident insurance for less severe injuries, please refer to the Added Benefits page.

 

Flight Attendants (APFA)

Life Insurance

Life insurance pays a benefit in the event you or a covered family member passes away.

BASIC LIFE INSURANCE

American pays the full cost of your basic life insurance, equal to two times your annual pay, up to $70,000.

VOLUNTARY LIFE INSURANCE

You can also choose to take advantage of additional coverage, offered at group rates, to further protect you and your family. To view your individual costs, visit the Benefits Service Center.

Coverage options for you

  • One to eight times your annual pay

Coverage options for your spouse or domestic partner

  • One to three times your annual pay

Coverage options for your child(ren)*

  • $15,000

 

PROOF OF GOOD HEALTH REQUIREMENTS

Depending on your elections, proof of good health may be required.

Coverage requiring proof of good health becomes effective only after MetLife’s approval and payment of your first premium.

AD&D coverage

Accidental death and dismemberment (AD&D) insurance pays a benefit in the event you or a covered family member suffers dismemberment or paralysis or dies as the result of a covered accidental injury.

Basic AD&D coverage

American pays the full cost equal to $10,000 in coverage.

Voluntary Personal Accident Insurance (VPAI)**

VPAI is an optional coverage that provides you and your eligible dependents* with insurance protection in case of accidental loss of life, dismemberment or paralysis. You may elect additional VPAI coverage for you and your family.

Coverage options for you

  • Up to $500,000 in multiples of $10,000

Coverage options for your family

The VPAI benefit payable is based on your covered family members at the time of the loss:

  • If you cover a spouse or domestic partner and child(ren)*— Your spouse’s or domestic partner’s coverage is equal to 60% of the VPAI coverage you elect for yourself. Each child’s coverage is equal to 15% of the VPAI coverage you elect for yourself, up to a maximum of $75,000.
  • If you cover a spouse or domestic partner only — Their coverage is equal to 70% of the VPAI coverage you elect for yourself.
  • If you cover children only* — Each child’s coverage is equal to 25% of the VPAI coverage you elect for yourself, up to a maximum of $125,000.

* Please note that when two team members are married to each other, only one team member may cover their child(ren).

** VPAI does not provide a benefit for less severe accidental injuries. It pays a benefit only in the event of death; paralysis; or loss of limb, sight, speech or hearing. If you wish to enroll in accident insurance for less severe injuries, please refer to the Added Benefits page.

Management and Support Staff

Life Insurance

Life insurance pays a benefit in the event you or a covered family member passes away.

BASIC LIFE INSURANCE

American pays the full cost of your basic life insurance equal to two times your annual pay, up to a maximum of $70,000 (you may elect a lower amount).

VOLUNTARY LIFE INSURANCE

You can also choose to take advantage of additional coverage, offered at group rates, to further protect you and your family. To view your individual costs, visit the Benefits Service Center.

Coverage options for you

  • One to eight times your annual pay

Coverage options for your spouse or domestic partner

  • One to three times your annual pay

Coverage options for your child(ren)*

  • $15,000 per child

 

Proof of Good Health Requirements

Depending on your elections, proof of good health may be required.

Coverage requiring proof of good health becomes effective only after MetLife’s approval and payment of your first premium.

AD&D coverage**

Accidental death and dismemberment (AD&D) insurance pays a benefit in the event you or a covered family member suffers dismemberment or paralysis or dies as the result of a covered accidental injury.

Basic AD&D coverage

American pays the full cost, equal to two times your annual pay, up to a maximum of $70,000.

Voluntary AD&D coverage

You may elect accident coverage for you and your family.

Coverage options for you

  • Up to $500,000 in multiples of $10,000

Coverage options for your spouse or domestic partner

  • Up to $350,000 in multiples of $10,000

Coverage options for your child(ren)*

  • $10,000 per child (when you elect child coverage, all eligible children are automatically covered)

* Please note that when two team members are married to each other, only one team member may cover their child(ren).

** AD&D does not provide a benefit for less severe accidental injuries. It pays a benefit only in the event of death; paralysis; or loss of limb, sight, speech or hearing. If you wish to enroll in accident insurance for less severe injuries, please refer to the Added Benefits page.

Pilots (APA)

Life Insurance

Life insurance pays a benefit in the event you or a covered family member passes away.

BASIC LIFE INSURANCE

American pays the full cost of your basic life insurance.

  • If your monthly pay is less than $2,500, your basic life insurance coverage is $49,000.
  • If your monthly pay is $2,500 or more, your basic life insurance coverage is $70,000.

 

Pilot Retirement Program

For members of the Pilot Retirement Program, American will pay the full cost of additional life insurance coverage equal to 1½ times your basic life insurance at the time of your death if you are:

  • Under age 50.
  • 50 or older and unmarried.
  • 50 or older and married for less than 12 months before your death.

 

Voluntary Term Life Coverage

You can also choose to take advantage of additional coverage, offered at group rates, to further protect you and your family. To view your individual costs, visit the Benefits Service Center.

Coverage options for you

  • Half of your basic life amount, up to $35,000
  • One time your basic life amount, up to $70,000
  • 1½ times your basic life amount, up to $105,000
  • $200,000
  • $400,000
  • $500,000
  • $600,000
  • $800,000
  • $1 million

Coverage options for your spouse or domestic partner

  • $25,000
  • $50,000
  • $100,000

Coverage options for your child(ren)*

  • $15,000 per child

 

Proof of Good Health Requirements

Depending on your elections, proof of good health may be required. Coverage requiring proof of good health becomes effective only after MetLife’s approval and payment of your first premium.

AD&D coverage**

Accidental death and dismemberment (AD&D) insurance pays a benefit in the event you or a covered family member suffers dismemberment or paralysis or dies as the result of a covered accidental injury.

Basic AD&D Coverage

American pays the full cost equal to $10,000 in coverage.

Voluntary Personal Accident Insurance (VPAI)**

VPAI is an optional coverage that provides you and your eligible dependents with insurance protection in case of accidental loss of life, dismemberment or paralysis. You may elect additional VPAI coverage for you and your family.

Coverage options for you

  • Up to $500,000 in multiples of $10,000

Coverage options for your family

The VPAI benefit payable is based on your covered family members at the time of the loss:

  • If you cover a spouse or domestic partner and children* — Your spouse’s or domestic partner’s coverage is equal to 60% of the VPAI coverage you elect for yourself. Each child’s coverage is equal to 15% of the VPAI coverage you elect for yourself, up to a maximum of $75,000.
  • If you cover a spouse or domestic partner only — Their coverage is equal to 70% of your VPAI coverage amount.
  • If you cover children* only — Each child’s coverage is equal to 25% of your VPAI coverage amount, up to a maximum of $125,000.

 

* Please note that when two team members are married to each other, only one team member may cover their child(ren).

** VPAI does not provide a benefit for less severe accidental injuries. It pays a benefit only in the event of death; paralysis; or loss of limb, sight, speech or hearing. If you wish to enroll in accident insurance for less severe injuries, please refer to the Added Benefits page.

Fleet Service and Maintenance and Related (TWU-IAM)

Life Insurance

Life insurance pays a benefit in the event you or a covered family member passes away.

Basic Life Insurance

American pays the full cost of your basic life insurance in the amount of $70,000.

Voluntary Life Insurance

You can also choose to take advantage of additional coverage, offered at group rates, to further protect you and your family. To view your individual costs, visit the Benefits Service Center.

Coverage options for you

  • One to eight times your annual pay

Coverage options for your spouse or domestic partner

  • One to three times your annual pay

Coverage options for your child(ren)*

  • $15,000 per child

 

Proof of Good Health Requirements

Depending on your elections, proof of good health may be required.

Coverage requiring proof of good health becomes effective only after MetLife’s approval and payment of your first premium.

AD&D coverage**

Accidental death and dismemberment (AD&D) insurance pays a benefit in the event you or a covered family member suffers dismemberment or paralysis or dies as the result of a covered accidental injury.

Voluntary AD&D Coverage

You may elect additional coverage for you and your family.

Coverage options for you

  • Up to $500,000 in multiples of $10,000

Coverage options for your spouse or domestic partner

  • Up to $350,000 in multiples of $10,000

Coverage options for your child(ren)*

  • $10,000 per child (when you elect child coverage, all eligible children are automatically covered)

* Please note that when two team members are married to each other, only one team member may cover their child(ren).

**AD&D does not provide a benefit for less severe accidental injuries. It pays a benefit only in the event of event of death; paralysis; or loss of limb, sight, speech or hearing. If you wish to enroll in accidental insurance for less severe injuries, please refer to the Added Benefits page.

Includes simulator pilots, flight simulator engineers and flight crew training instructors (TWU)

Life Insurance

Life insurance pays a benefit in the event you or a covered family member passes away.

Basic Life Insurance

American pays the full cost of your basic life insurance, equal to two times your annual pay, up to $70,000 (you may elect a lower amount).

Voluntary Life Insurance

You can also choose to take advantage of additional coverage, offered at group rates, to further protect you and your family. To view your individual costs, visit the Benefits Service Center.

Coverage options for you

  • One to eight times your annual pay

Coverage options for your spouse or domestic partner

  • One to three times your annual pay

Coverage options for your child(ren)*

  • $15,000 per child

 

Proof of Good Health Requirements

Depending on your elections, proof of good health may be required.

Coverage requiring proof of good health becomes effective only after MetLife’s approval and payment of your first premium.

AD&D coverage**

Accidental death and dismemberment (AD&D) insurance pays a benefit in the event you or a covered family member suffers dismemberment or paralysis or dies as the result of a covered accidental injury.

Voluntary AD&D Coverage

You may elect additional coverage for you and your family.

Coverage options for you

  • Up to $500,000 in multiples of $10,000

Coverage options for your spouse or domestic partner

  • Up to $350,000 in multiples of $10,000

Coverage options for your child(ren)*

  • $10,000 for each child (when you elect child coverage, all eligible children are automatically covered)

* Please note that when two team members are married to each other, only one team member may cover their child(ren).

**AD&D does not provide a benefit for less severe accidental injuries. It pays a benefit only in the event of event of death; paralysis; or loss of limb, sight, speech or hearing. If you wish to enroll in accidental insurance for less severe injuries, please refer to the Added Benefits page.

Dispatchers (PAFCA)

Life Insurance

Life insurance pays a benefit in the event you or a covered family member passes away.

Basic Life Insurance

American pays the full cost of your basic life insurance, equal to two times your annual pay, up to $70,000 (you may elect a lower amount).

Voluntary Life Insurance

You can also choose to take advantage of additional coverage, offered at group rates, to further protect you and your family. To view your individual costs, visit the Benefits Service Center.

Coverage options for you

  • One to eight times your annual pay

Coverage options for your spouse or domestic partner

  • One to three times your annual pay

Coverage options for your child(ren)*

  • $15,000 per child

 

Proof of Good Health Requirements

Depending on your elections, proof of good health may be required.

Coverage requiring proof of good health becomes effective only after MetLife’s approval and payment of your first premium.

AD&D coverage**

Accidental death and dismemberment (AD&D) insurance pays a benefit in the event you or a covered family member suffers dismemberment or paralysis or dies as the result of a covered accidental injury.

Voluntary AD&D Coverage

You may elect additional coverage for you and your family.

Coverage options for you

  • Up to $500,000 in multiples of $10,000

Coverage options for your spouse

  • Up to $350,000 in multiples of $10,000

Coverage options for your child(ren)*

  • $10,000 for each child (when you elect child coverage, all eligible children are automatically covered)

* Please note that when two team members are married to each other, only one team member may cover their child(ren).

**AD&D does not provide a benefit for less severe accidental injuries. It pays a benefit only in the event of event of death; paralysis; or loss of limb, sight, speech or hearing. If you wish to enroll in accidental insurance for less severe injuries, please refer to the Added Benefits page.

Electing beneficiaries

It’s important to elect at least one beneficiary for life insurance so that your benefit will be paid according to your wishes if something happens to you. You can add or update beneficiaries at any time through the Benefits Service Center.

Cost of Coverage

For voluntary AD&D, VPAI and life insurance cost information, log in to the Benefits Service Center or call 888-860-6178.
See the Plan Guides for additional information.

 

For Assistance

Life Insurance

Life insurance for all team members is administered by MetLife.

Contact the Benefits Service Center at 888-860-6178 for information or questions about your life insurance benefits.

Accidental Death & Dismemberment

Your AD&D and VPAI benefits are administered by New York Life.

For more information or questions regarding these benefits, please call New York Life at 800-238-2125.