Life and Accidental Death & 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.

CWA-IBT Represented

BASIC LIFE INSURANCE

American pays the full cost of your basic life insurance, equal to 2x 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

  • 1x to 8x your annual pay

Coverage Options for Your Spouse

  • 1x to 3x your annual pay

Coverage Options for Your Child(ren)

  • $15,000 (When you elect child coverage, all eligible children are automatically covered)

 

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 & Dismemberment (AD&D) insurance pays benefits in the event of death or dismemberment from a covered accidental injury.

Voluntary Accident 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

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

Coverage Options for Your Child(ren)

  • $10,000 for each child

 

Note: This coverage 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 Voluntary Benefits.

APFA Represented Flight Attendants

Life Insurance

BASIC LIFE INSURANCE

American pays the full cost of your basic life insurance, equal to 2x 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

  • 1x to 8x your annual pay

Coverage Options for Your Spouse

  • 1x to 3x your annual pay

Coverage Options for Your Child(ren)

  • $15,000 (When you elect child coverage, all eligible children are automatically covered)

 

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 & Dismemberment (AD&D) insurance pays benefits in the event of death or dismemberment from 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 your and your family.

Coverage Options for you

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

Coverage Options for Your Family

  • If you have a spouse and child(ren) — Your spouse’s coverage is equal to 60% of your VPAI coverage amount. Each child’s coverage is equal to 15% of your voluntary VPAI coverage amount, up to a maximum of $75,000.
  • If you have a spouse only— Your spouse’s coverage is equal to 70% of your VPAI coverage amount
  • If you have children only — Each child’s coverage is equal to 25% of your VPAI coverage amount, up to a maximum of $125,000.

 

Note: This coverage 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 Voluntary Benefits.

Management and Support Staff

Life Insurance

Basic Life Insurance

American pays the full cost of your basic life insurance equal to 2x your annual pay, up to a maximum of $70,000 (you may elect a lower amount).

Voluntary 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

  • 1x to 8x your annual pay

Coverage Options for Your Spouse

  • 1x to 3x your annual pay

Coverage Options for Your Child(ren)

  • $15,000 (When you elect child coverage, all eligible children are automatically covered)

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 & Dismemberment (AD&D) insurance pays benefits in the event of death or dismemberment from a covered accidental injury.

Basic AD&D Coverage

American pays the full cost, equal to 2x your annual pay up to a maximum of $70,000

Voluntary Accident 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

  • 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)

 

Note: This coverage 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 Voluntary Benefits.

APA Represented Pilots

Life Insurance

Basic Life Insurance

American pays the full cost of your basic life insurance.

  • Monthly pay < $2,500: $49,000
  • Monthly pay > $2,500: $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 1.5x your basic life insurance at the time of your death if you are:

  • Under age 50
  • 50 or over and unmarried
  • 50 or over 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
  • 1x your basic life amount, up to $70,000
  • 1.5x your basic life amount, up to $105,000
  • $200,000 to $1 million; by increments of $200,000

Coverage Options for Your Spouse

  • $25,000
  • $50,000
  • $100,000

Coverage Options for Your Child(ren)

  • $15,000

When you elect child coverage, all your eligible children are automatically covered.

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.

Note: Legacy US Airways pilots hired prior to 12/9/2013 are enrolled in a separate grandfathered life insurance plan. See Additional Benefit Guides and Notices for grandfathered life and AD&D plan details.

AD&D Coverage

Accidental Death & Dismemberment (AD&D) insurance pays benefits in the event of death or dismemberment from 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 your 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 family at the time of the loss:

  • If you have a spouse and children — your spouse’s coverage is equal to 60% of your VPAI coverage amount. Each child’s coverage is equal to 15% of your voluntary VPAI coverage amount, up to a maximum of $75,000.
  • If you have a spouse only — your spouse’s coverage is equal to 70% of your VPAI coverage amount
  • If you have children only — each child’s coverage is equal to 25% of your VPAI coverage amount, up to a maximum of $125,000.

 

Note: This coverage does NOT provide a benefit for less severe accidental injuries — it pays a benefit only in the event of loss of life or loss of a limb. If you wish to enroll in accidental insurance for less severe injuries, please refer to Voluntary Benefits.

TWU Represented Team Members

Legacy US Airways Flight Simulator Engineers, Flight Crew Training Instructors and Simulator Pilots represented by the TWU should reference IAM Represented (LUS) for their 2017 Life & AD&D options 

Basic Life Insurance

American pays the full cost of your basic life insurance, equal to 2x 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

  • 1x to 8x your annual pay

Coverage Options for Your Spouse

  • 1x to 3x your annual pay

Coverage Options for Your Child(ren)

  • $15,000 (When you elect child coverage, all eligible children are automatically covered)

 

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 & Dismemberment (AD&D) insurance pays benefits in the event of death or dismemberment from a covered accidental injury.

Voluntary Accident 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

Note: This coverage does NOT provide a benefit for less severe accidental injuries — it pays a benefit only in the event of loss of life or loss of a limb. If you wish to enroll in accidental insurance for less severe injuries, please refer to Voluntary Benefits.

IAM Represented (LUS)

Includes Legacy US Airways Flight Simulator Engineers, Flight Crew Training Instructors and Simulator Pilots represented by the TWU

Life Insurance

Basic Life Insurance

American pays the full cost of your basic life insurance.

  • Full Time:  $35,000
  • Part Time: $17,500

 

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

  • Basic Employee Paid Life Insurance, up to $200,000
  • Full time 2x base pay, minus $35,000
  • Part time 2x base pay, minus $17,500
  • Employee Paid Optional Life Insurance, 1x to 6x pay, up to $600,000

Coverage Options for Your Spouse

  • $25,000 to $100,000 in multiples of $25,000

Coverage Options for Your Children

  • $25,000 to $100,000 in multiples of $25,000

 

AD&D Coverage

Accidental Death & Dismemberment (AD&D) insurance pays benefits in the event of death or dismemberment from a covered accidental injury.

Basic AD&D Coverage

American pays the full cost of your coverage.

  • Full time: $35,000
  • Part time: $17,000

Voluntary AD&D Coverage

You may elect additional coverage for your and your family.

Coverage Options for You

  • Up to $300,000 in multiples of $10,000

Coverage Options for Your Spouse

  • 75% of the team member coverage amount

Coverage Options for Your Child(ren)

  • 10% of team member coverage amount
  • 20% of team member coverage amount if no spouse is covered

 

Note: This coverage does NOT provide a benefit for less severe accidental injuries — it pays a benefit only in the event of loss of life or loss of a limb. If you wish to enroll in accidental insurance for less severe injuries, please refer to Voluntary Benefits.

Cost of Coverage

For Voluntary AD&D cost information, log on to the Benefits Service Center or call 888-860-6178.
See the Plan Guides for additional information.

 

Get Help

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

LUS team members covered by IAM and TWU collective bargaining agreements:

Your AD&D benefits are administered by MetLife. For more information or questions regarding these benefits please contact MetLife at 800-638-6420.

All other team members:

Your AD&D and VPAI (Voluntary Personal Accident Insurance) benefits are administered by Cigna. For more information or questions regarding these benefits please contact Cigna at 800-238-2125.