Retirees who have AD&D insurance through LANL: The separately billed Hartford AD&D (accidental death) insurance has been changed to MetLife.  Coverage remains the same.  The insurance is and has been billed separately and not through Empyrean.  Not everyone has this insurance.  There was no notice to retirees of this change.  By now, all subscribers should have received a billing notice from MetLife.  We have heard that the deadline for the first payment is January 13.  Please arrange with your bank for electronic transfer from your bank, or send a check.  Include your account number.  For further information, contact MetLife Subscriber Services at 1-866-492-6983.  Address is Metropolitan Life Insurance Co.,  P. O. Box 13724, Philadelphia, PA 19101-3724.