The DSRA Benefit trust offers term life insurance for salaried retirees of Delphi and your spouse/domestic partner. The plans premiums are 100% retiree-paid. Benistar is the voluntary life plan administrator servicing the life insurance policies offered through MetLife Insurance of America. Benistar is responsible for the application process, policy changes, billing, premium collection and the initiation of a claim and can be contacted at 1-888-588-6682 .

Current retiree members that have not elected life coverage within 90 days of retiring are no longer eligible to elect life insurance coverage.  Only new retirees can elect voluntary life within 90 days of their retirement date.

New eligible applicants may apply at any time during the year.  All new applicants must submit both the MetLife Enrollment Form and the Evidence of Insurability Form.

Once enrolled, your policy will continue every year without any action required on your part. If the premium changes and you have authorized Benistar to draft the premium directly from your checking account, the amount will be adjusted by Benistar. No action is required on your part.  Rates do change every 5 years on insured’s birthdays ending in a zero or 5. Retiree coverage no longer needs to be in effect to maintain spouse/domestic partner coverage. If the retiree pre-deceases the spouse, the spouse coverage continues.

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There will be no price increase for 2022 and we are guaranteed the same rate for 3 years (effective 01/01/22). There is a $3.50 monthly administrative fee per household to cover Benistar and DSRA-BT expenses.

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MetLife has made the following changes to the Life Insurance program for DSRA participants effective 01/01/2022:

• Upon death of the Retiree, a surviving Spouse has the option to remain in the DSRA Benefit Trust MetLife Insurance program until the the age of 80, at which time they will have the option to move to a Whole Life Insurance plan or to discontinue coverage

• The Spouse will continue to use the age of the Retiree to determine their premium amount if the Spouse elects to continue their MetLife Insurance coverage.

• The Spouse must notify Benistar if they elect to continue coverage with the MetLife Insurance program following the death of the Retiree.   

• The Spouse is limited to a maximum of $50,000.00 coverage with a physical required for everything over $30,000.

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This is a Group Life Plan, and as such, does not issue an individualized Certificate of Insurance. We strongly recommend that you print the one-page MetLife Summary of Insurance Plan Provisions document (link below) and maintain in your life insurance file. Please record the face value of your policy and the Benistar name and phone number on the document. This will assist greatly with your estate handling.

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DSRA BT has worked with MetLife to make WillPrep Services available at no or little cost to eligible members who have Voluntary Life plans. Take a look at this benefit by clicking on the link below.

PLEASE NOTE: These plans are totally separate in all aspects from the term life plans offered through MetLife that you may have maintained after leaving Delphi.

These plans (issued by the DSRA Benefit Trust)  are totally separate in all aspects from the term life plans offered through MetLife that you may have maintained after leaving Delphi.
Benistar is only able to assist you with the plan issued by the DSRA Benefit Trust.