Citi Benefits Handbook
Continuing Basic Life and Basic AD&D on an Individual Basis
You can convert your Basic Life coverage to an individual policy after the termination of employment from Citi. You will receive a Health and Welfare Benefits Conversion/Portability Notice from the Citi Benefits Center once you lose eligibility.
The conversion for Basic Life insurance is administered by Massachusetts Mutual Life Insurance Company (MassMutual) and is time-sensitive. If you are interested in converting your group coverage, call 1 (877) 275-6387 within 31 days after you become ineligible to begin this process. You will be put in contact with a MassMutual financial professional who will work with you and help explain your options.
Regarding Basic AD&D insurance, once notified of your loss of eligibility MetLife will send you information on how to continue coverage. Note that rates will be higher than the Citi group rate. If you have any questions about continuing your AD&D on an individual basis, please call MetLife directly at 1 (888) 252-3607.
If you become ineligible for Basic Life and Basic AD&D coverage because your benefits eligible pay for the plan year equals or exceeds $200,000, you can also continue your coverage on an individual basis — without providing evidence of insurability — by calling MassMutual or MetLife within 31 days after you become ineligible.
Note that the rates for continuing your Basic Life and/or Basic AD&D insurance may be higher than the Citi group rate.