Back in 1964, 20 of the railroad unions obtained life insurance policies through MetLife for their members. The amount reduces to $2,000 upon retirement, but $2,000 is a lot better than nothing. That was over 50 years ago and many of us have forgotten about this. This is life insurance via the National Railroad contract that was signed by the national carriers back in 1964. (The only exception that I am aware of is that certain railroad employees who took buy-outs at the C&NW may have signed off on any and all future benefits - unfortunately, this may have included this $2,000 insurance death benefit.) For years MetLife has tried to conceal this information, but a federal court case has required MetLife to provide an 800 number for us. The $2,000 is a national railroad death benefit; however, you have to call and apply for it. To get the process rolling, MetLife will need your full name and Social Security Number - this should take about 2 minutes. If you find that your name is not in their record, please contact your union for advice. MetLife is located in Utica, New York and you can contact them at: 800-310-7770. The mailing address is: MetLife, P.O. Box 6122, Utica, NY, 13504. Upon death, survivors can call MetLife and they will send out a claim form which will need to be fill out and return to them along with a copy of the death certificate of the member. Please review your beneficiary designations. Situations change over the years and sometimes revisions are necessary. Remember, whatever is on file with the insurance company will prevail. Here’s a link to aBeneficiary Designation formwhich can be used.