Life Insurance

The Navajo Nation Employee Benefit Program offers a Basic Life and Accidental Death & Dismemberment (AD&D) Insurance Program to employees. The Basic Life and Accidental Death & Dismemberment Insurance provides employees 24 hour coverage and is effective the date of enrollment; if enrolled within 31 days of hire date. Otherwise, an Evidence of Insurability will be required.

Both Basic Life and Accidental Death and Dismemberment Insurance is based on an employee's annual salary. Below is the amount for each category.


Annual Salary Basic Life AD&D
A. $50,000 or more $175,000 $175,000
B. $40,000 to $49,999 $150,000 $150,000
C. $30,000 to $39,999 $125,000 $125,000
D. $20,000 to $29,999 $90,000 $90,000
E. $20,000 or less $80,000 $80,000
D. Elected Official $10,000 $10,000


Dependent Basic Life


Spouse: $7,500

Children: $5,000

Coverage is provided for dependent children from newborn up to the 26th birthday, if qualifications are satisfied.

Claim Process:


Notice of Life Claim must be provided no later than 30 days after date of loss and/or dismemberment.

Proof of Claim must be completed and required documents must be submitted.

Proof must be satisfactory to life insurance underwriter.

Allow 2-4 weeks to process once all acceptable documents are received by life insurance underwriter.


Grief Counseling


Metlife Group Life comes with grief counseling provided by Harris, Rothenberg International, Inc. for you, your dependents, and beneficiaries up to five confidential counseling sessions per event.

For more information:
(855) 609-9989

Metlife Grief Counseling Website

  • Username: MetLife
  • Password: grief



MetLife Grief Counseling Flier (PDF)

MetLife Plan Summary (PDF)

MetLife Beneficiary Designation Form (PDF)

Addendum - Primary Beneficiary (PDF)

Addendum - Contingent Beneficiary (PDF)

MetLife Claim Form (PDF)

MetLife Accidental Death & Dismemberment Claim Form (PDF)

MetLife Accelerated Benefit Option Form (PDF)

Life benefits are cancelled at midnight on the last day of the calendar month in which employment ends due to resignation, termination, retirement, layoff or loss of life.

MetLife Basic Life Insurance Manager
The group policy may be converted to an individual policy, limitations apply.
For Life Conversions:
Phone: 877-275-6387


Optional Term Life Insurance


Enrollment for Optional Term Life is voluntary; not automatic. To apply, please enroll online at

Instructions for Enrollment, see below. All changes, cancellations must be done online.

  • Enter "Navajo Nation" under 'Account Sign-In'
  • Select "First Time User? Register Now" to create a Username and Password which is employee specific
  • Once all information is set up, the employee will be given the option to elect coverage
  • All changes, terminations and beneficiary designation must be done online
  • Guarantee issue amounts available if elected within 30 days

For additional questions, you may call:





MetLife Optional Term Life Plan Summary (PDF)

MetLife Optional Term Life Application (PDF)

MetLife Statement of Health Form (PDF)


Supplemental Life Insurance


To apply for Supplemental life insurance, please contact a representative to enroll in person. Some policies that may be elected are:

  • Accident
  • Term Life
  • Critical Illness
  • Short-Term Disability Buy-Up
  • Cancer Insurance
  • Hospital Confinement
  • Whole Life Insurance


For any changes, cancellations or other services, please fill out the form below and submit to address/fax indicated on top of form. Colonial Request for Service Form (PDF)


For more information, contact:

Annalisa Kurz
Colonial Respresentative


Lea Dennison
Local Representative (Navajo Nation)

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