To protect your family, WSI offers these benefits through MetLife:

  • Basic Life
  • Supplemental Life
  • Basic AD&D

Life Insurance

Life insurance pays a benefit if you or a covered family member dies.

  • WSI pays 100% of the cost for Basic Life insurance for you (1 times your base earnings, up to a $1 million maximum).
  • You can purchase Supplemental Life for yourself, your spouse/domestic partner and/or children.
  • You pay the full cost of any Supplemental Life insurance you purchase through after-tax payroll deduction. Rates for yourself and your spouse/domestic partner will vary based on age. You will be able to see your cost when you enroll. You may be required to complete Evidence of Insurability (EOI) before your election becomes effective.
  • An age reduction schedule will apply starting at age 70 and also at age 75. Please contact MetLife for further details.

AD&D Insurance

AD&D pays a benefit if you die or suffer a serious injury due to an accident. WSI pays 100% of the cost for Basic AD&D for you (1 times your base earnings, up to a $1 million maximum).

Supplemental Life Insurance at a Glance1

Who’s Eligible

Coverage Choices


$10,000 to 5x your base earnings, in $5,000 increments; $1 million maximum

Spouse/Domestic Partner2

$10,000 to $100,000, in $5,000 increments; can’t exceed 100% of your associate life benefits

Dependent Children3

$5,000 or $10,000 per child ($1,000 benefit for birth to 6 months)

1 If you and your spouse/domestic partner both work for WSI, you can each purchase associate supplemental life — spouse/domestic partner life insurance is not available. Only one of you can cover your dependent children.
2 In California only, you can enroll your same-sex and opposite-sex domestic partner as permitted by law.
3 Dependent children ages from birth to 26 years old are eligible for coverage. When you elect child life, all of your eligible children are covered.