Zurich Global

MIT offers global employees Basic Life insurance and Accidental Death & Dismemberment (AD&D) insurance coverage through Zurich Global.

U.S. Expatriates

You will maintain your current Basic Life insurance and AD&D insurance through MetLife. Starting January 1, 2020, you were also enrolled in Zurich Global coverage as described in the chart below, at no cost to you.

Zurich Global coverage for U.S. expatriates

Life Insurance U.S. Expatriates
Employee Basic Life Insurance Flat $10,000
AD&D
Employee AD&D Flat $10,000
Other
Age Reductions Reduces to 66% at age 65, 44% at age 70, and 34% at age 75, 26% at age 80, 20% at age 85, 16% at age 90, and 12% at age 95. Terminates at retirement.
Accelerated Benefit (enables the employee to receive cash advances against the death benefit in the case of being diagnosed with a terminal illness) 50%

Third Country and Local Nationals

Your current MetLife Basic Life insurance and AD&D insurance offering ended January 1, 2020. You were automatically enrolled in Zurich Global coverage as described in the chart below, at no cost to you.

Coverage for third country and local nationals

Life Insurance TCNs/KLNs
Employee Life Insurance 2x Annual Earnings
Guaranteed Issue Amount (no Statement of Health required) $200,000
Maximum Benefit $500,000
Age Reductions Reduces to 66% at age 65, 44% at age 70, and 34% at age 75, 26% at age 80, 20% at age 85, 16% at age 90, and 12% at age 95. 
AD&D
Employee AD&D Flat $100,000
Age Reductions Reduces to 66% at age 65, 44% at age 70, and 34% at age 75, 26% at age 80, 20% at age 85, 16% at age 90, and 12% at age 95. Terminates at retirement.
Accelerated Benefit (enables the employee to receive cash advances against the death benefit in the case of being diagnosed with a terminal illness) 50% to $100,000 Maximum

Beneficiaries

Be sure to name your beneficiaries by completing this form and returning it to one of the representatives below.

Need Help or Have Questions?

The following MIT Benefits representatives are available to answer your questions.

MIT Benefits Representative Phone Email
Cari Angellotti, Associate Director, Health & Welfare Benefits 617-258-7489 caria@mit.edu
Mandy Chan, Senior Benefits Specialist 617-258-6215 mchann@mit.edu

College Admissions and Financial Advising

Wondering how your family will navigate the college application process and financial landscape? Take advantage of expert, personalized guidance on the college admissions process and how to finance your teen’s college education.