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.
