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Critical Illness & Accident Insurance
These group benefits give you even more ways to help care for and protect yourself and your loved ones.

Be sure to take advantage of this opportunity to help safeguard your family and your finances with this portfolio of employee benefits offered through our relationship with MetLife®.

MetLife, a market leader with 90 years of experience in the group benefits business and more than 140 years in the insurance and retirement business, has the strength, stability, and experience you want in an employee benefit provider.

No matter which plan(s) or policies you choose, you will have the convenience of easy payroll deduction, so you will never have to worry about a late or missing payment. It’s easy to get started … simply call 1-800-GET MET8 now and ask about these special benefits all designed with flexible options and innovative features. You’re eligible to apply for them, so be sure to take full advantage and call today.

Read on for more details...

Critical Illness Insurance

Critical illnesses can happen at any age and more often than you may think.  Critical Illness Insurance can help safeguard your finances by providing you with a lump-sum payment when your family needs it most. The payment you receive is yours to spend as you see fit and in addition to any other insurance you may have.  Click here to find out more about the types of covered diagnoses and click here for FAQs about Critical Illness Insurance.

  • Outline of Coverage  (Important disclosures and information about limitations and exclusions of the coverage. Please view first page carefully and click on the button for the state you live in to see the correct document.)

Accident Insurance

Accidents can happen at any time and when you least expect them. Today’s active lifestyles may make you more susceptible, too.  Even the best medical plans may leave you with extra expenses to pay out of your own pocket.  Accident insurance can help you be better prepared by providing you with a payment to use as you see fit if you experience a covered event.  Click here to find out more about the types of covered events and click here for FAQs about Accident Insurance.

  • Outline of Coverage (Important disclosures and information about limitations and exclusions of the coverage.  Please view first page carefully and click on the button for the state you live in to see the correct document.)
METLIFE CRITICAL ILLNESS INSURANCE (CII) IS A LIMITED BENEFIT GROUP POLICY. Like most group accident and health insurance policies, MetLife’s CII policies contain certain exclusions, limitations and terms for keeping them in force. Product features and availability may vary by state. In most plans, there is a pre-existing condition exclusion. In most states, after a covered condition occurs, there is a benefit suspension period during which most plans do not pay recurrence benefits. MetLife offers CII on both an Attained Age and an Issue Age basis. Attained Age rates are based on 5-year age bands and will increase when a Covered Person reaches a new age band. MetLife’s Issue Age CII is guaranteed renewable, and may be subject to benefit reductions that begin at age 65. Premium rates for MetLife’s Issue Age CII are based on age at the time of the initial coverage effective date and will not increase due to age; premium rates for increases in coverage, including the addition of dependents’ coverage, if applicable, will be based on the covered person’s age at the time of that increase’s effective date. Rates are subject to change for MetLife’s Issue Age CII on a class-wide basis. A more detailed description of the benefits, limitations, and exclusions applicable to both Attained Age and Issue Age CII can be found in the applicable Disclosure Statement or Outline of Coverage/Disclosure Document available at time of enrollment. For complete details of coverage and availability, please refer to the group policy form GPNP07-CI, GPNP09-CI or GPNP14-CI, or contact MetLife for more information. Benefits are underwritten by Metropolitan Life Insurance Company, New York, New York. In New York, availability of MetLife's Issue Age CII product is pending regulatory approval.
MetLife's Critical Illness Insurance is not intended to be a substitute for Medical Coverage providing benefits for medical treatment, including hospital, surgical and medical expenses. MetLife's Critical Illness Insurance does not provide reimbursement for such expenses.

METLIFE'S ACCIDENT INSURANCE IS A LIMITED BENEFIT GROUP INSURANCE POLICY. The policy is not intended to be a substitute for medical coverage and certain states may require the insured to have medical coverage to enroll for the coverage. The policy or its provisions may vary or be unavailable in some states. There is a preexisting condition limitation for hospital sickness benefits, if applicable. There are benefit reductions that begin at age 65. And, like most group accident and health insurance policies, policies offered by MetLife may contain certain exclusions, limitations and terms for keeping them in force. For complete details of coverage and availability, please refer to the group policy form GPNP12-AX or contact MetLife. Benefits are underwritten by Metropolitan Life Insurance Company, New York, New York.

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