Life and Accident Insurance

Life and accident insurance gives you financial protection by paying a benefit to your beneficiary if you die and by paying you a benefit if you are seriously injured in an accident. To help you provide financial security for your loved ones in the event of your death or serious injury, PG&E offers:

  • $10,000 of company-paid basic term life insurance coverage through the Group Life Insurance Plan;
  • The option to purchase additional, supplemental term life insurance coverage for you, your spouse, or registered domestic partner and your children or the children of your registered domestic partner, through the Group Life Insurance Plan;
  • $10,000 or $250,000 of company-paid basic accidental death and dismemberment (AD&D) insurance, depending on your job level;
  • The option to purchase additional, voluntary AD&D insurance coverage for you, your spouse, or registered domestic partner, and your children or the children of your registered domestic partner; and
  • Business Travel Accident insurance coverage. Additionally, you may be eligible for continued life insurance coverage when you retire.
  • Travel Assistance services at no cost to you through your basic AD&D insurance.

To ensure your loved ones receive your life insurance benefits, make sure your beneficiary designation is up to date by logging into Mercer BenefitsCentral or calling the PG&E Benefits Service Center.

For more information about Life and Accident Insurance, view the Importance of Life Insurance presentation or call the PG&E Benefits Service Center at 1-866-271-8144. Representatives are available to answer your questions or help you enroll Monday – Friday from 7:30 a.m. – 5 p.m.

Business travel accident insurance

PG&E provides all employees with business travel accident (BTA) insurance coverage equal to three times pay. BTA pays a benefit if you die or become dismembered as the result of a covered accident. This benefit is paid in addition to any benefit payable from the life insurance plan.

TRAVEL ASSISTANCE

AD&D insurance gives you free access to Travel Assistance services administered by AXA Assistance USA, Inc.

Contact AXA Travel Assistance if:

  • You're planning a trip and need general travel information
  • You want to know if there are medical or security concerns where you are traveling
  • You need medical assistance while traveling
  • You lose documents, credit cards or luggage while traveling
  • You require medical evaluation
  • You experience local language problems
  • You want to request a theft resolution guide
  • You're a victim of identity theft and you need personal help

For more details or to use the Travel Assistance program, call 1-800-454-3679 or log on to: webcorp.axa-assistance.com.
Login: axa
Password: travelassist

Management and Administrative and Technical (A&T) Employees

Eligibility

You are eligible to participate in life insurance coverage the first of the month following your hire date. You can increase your life insurance coverage at any time, year-round or when you have an eligible change-in-status event. Select coverage of up to six times your pay for Supplemental Life (maximum $4 million) and Voluntary Accidental Death & Dismemberment (AD&D) (maximum $2 million, effective 1/1/2019) insurance. You may also purchase Dependent Life insurance; up to $100,000 for your spouse or domestic partner and up to $25,000 for your children (limited to 50% of your total Basic and Supplemental employee coverage).

Cost

Your costs for Supplemental Life, Dependent Life, and Voluntary AD&D are paid for on a monthly post-tax basis through payroll deductions.

Retirement

When you end your employment at or after age 55 ("retire"), the full amount of your pre-retirement employee supplemental life insurance coverage remains in effect for 31 days. After 31 days, PG&E provides continued Postretirement Life Insurance coverage.

Union-Represented employees

Eligibility

If you are a regular status, Union-Represented employee with at least six months of service, you are eligible to participate in life insurance coverage. After you reach eligible status, you can increase your life insurance coverage at any time, year-round or when you have an eligible change-in-status event. Select coverage of up to six times your pay (maximum $1 million) for Supplemental Life and Voluntary Accidental Death & Dismemberment (AD&D) insurance. You may also purchase Dependent Life insurance; up to $100,000 for your spouse or domestic partner and up to $25,000 for your children (limited to 50% of your total Basic and Supplemental employee coverage).

Cost

Your costs for Supplemental Life, Dependent Life, and Voluntary AD&D are paid for on a monthly post-tax basis through payroll deductions.

Retirement

When you end your employment at or after age 55 ("retire"), the full amount of your pre-retirement employee supplemental life insurance coverage remains in effect for 31 days. After 31 days, the Company provides continued Postretirement Life Insurance coverage.

Metlife Certificates

As a PG&E employee, you have the opportunity to enroll for Supplemental Life Insurance coverage at competitive group rates. Though everyone's circumstances are unique, now may be a good time to review your current life insurance coverage and ensure you have the coverage you need. The MetLife certificate describes the benefits that are available to you, provided you meet the plan provisions for eligibility.

Read the respective certificate information below for more information about the benefits provided.