Life and Disability

Life and Disability coverages offer income protection for you and your family

The coverages for which you’re eligible are determined by your union’s negotiated collective bargaining agreement (CBA). If included in your CBA, MDLZ may provide certain coverages at no cost to you; while other coverages may be available for you to purchase for yourself and your eligible family members. Log in to your MyBenefits Online account to see the coverages for which you’re eligible, as well as each coverage’s cost (if any).

You designate your beneficiaries for applicable coverages on MyBenefits Online. Be sure to keep your named beneficiaries up to date.

LIFE AND AD&D INSURANCE COVERAGES

Your eligibility for MDLZ-provided Basic Life and Accidental Death and Dismemberment (AD&D) Insurance coverages, as well as your coverage amount, is determined by your union’s negotiated CBA. If eligible, you automatically receive these coverages for yourself at no cost to you. Log in to your MyBenefits Online account to confirm whether you’re eligible as well as the amount of your coverage(s).

Additional coverages may be available for you to elect for yourself and/or your eligible family members. Your union’s negotiated CBA determines which coverages are available, their amount, and how much they cost to purchase (if anything). Coverages are voluntary and may include:

Optional Life Insurance (for you, your spouse/domestic partner, and/or children)
Supplemental Life Insurance (for you, your spouse/domestic partner, and/or children)

As a new hire, you have a one-time opportunity to elect certain coverages without having to provide Evidence of Insurability (EOI). Going forward, if you want to elect or make changes to certain coverages, you can do so during a future Annual Enrollment and/or during the year if you experience a qualified life event (EOI may be required).

If you need to provide EOI, you’ll be notified when you make your coverage elections on MyBenefits Online.

Disability Coverages

Disability coverage helps replace a portion of your income if you’re unable to work due to an illness or injury. This type of financial protection can help you continue to pay bills, rent or mortgage, and daily living expenses while you’re recovering.

Based on your union's CBA, you may automatically receive Accident and Sickness (A&S) coverage at no cost to you. This MDLZ-provided coverage replaces a portion of your pay during the first 26 weeks of a non-occupational disability. Log in to your MyBenefits Online account to confirm the amount of your A&S coverage.

Additional coverage levels may also be available for you. Your union’s negotiated CBA determines whether these additional coverage levels are available for you to elect; and whether there are any associated coverage costs. Your negotiated CBA may allow for the following coverages:

Optional A&S: Additional coverage to replace a larger portion of your pay during the first 26 weeks of a non-occupational disability.
Long-Term Disability (LTD) coverage: Protects your income if your non-occupational disability extends beyond the initial 26 weeks of A&S benefits. If you don't elect LTD as a new hire, any coverage that you elect at a future date is subject to EOI.

BUSINESS TRAVEL ACCIDENT (BTA) INSURANCE

Contact info & apps

MetLife (Life Insurance and AD&D)

MetLife Website
Conversion or Portability Website
Phone (General Inquiries): 1-877-275-6387
Phone (Conversion or Portability Inquiries): 1-877-274-6387
Mobile App: N/A

The Hartford (LTD)

The Hartford Website
Status Inquiries Regarding Evidence of Insurability
Phone (General Disability Claim Inquiries): 1-866-240-4385
Phone (Status Inquiries Regarding Evidence of Insurability): 1-800-331-7234
Mobile App: N/A

Sedgwick (A&S)

Sedgwick Website
Phone: 1-866-311-0999
Mobile App: N/A

Chubb Group of Companies (Business Travel Accident Insurance)

Chubb Website
Phone: 1-800-336-0627
Mobile App: N/A

Imputed income

Basic Life and Supplemental Life Insurance for you (if included in your union’s negotiated CBA): Under IRS rules, the value of coverage over $50,000 is imputed as taxable income to you. If the amount of Basic and Supplemental Life Insurance coverages for you is more than $50,000, electing the $50,000 basic life reduction option enables you to avoid imputed income. You may elect to do so as a new hire or during Annual Enrollment when you enroll on MyBenefits Online (or by phone through the Mondelēz International Benefits Center).
Optional and Supplemental Life Insurance for spouse/domestic partner (if included in your union’s negotiated CBA): Imputed income, as required by IRS rules, applies to Optional and Supplemental Life Insurance coverages for your spouse/domestic partner. Please consult your own tax advisor concerning the potential tax consequences in having such coverage.

Looking for more details?

You can access more detailed coverage information (posted in the Reference Center) on MyBenefits Online account. The Contact Info & Apps section on this page also includes links to carrier/benefit vendor websites as well as their phone numbers.