Income Protection

Supplemental coverages can provide financial relief in the case of an accident or critical illness.

Accident Insurance

Accident insurance through MetLife works to complement your medical coverage and pays in addition to what your medical plan may or may not cover. It’s coverage that provides a financial cushion for life’s unexpected events by providing you with a lump-sum payment (one convenient payment all at once) when your family needs it most. The payment you receive is yours to spend however you like. It pays if you have tests or receive medical services, treatment, or care for one of more than 150 covered events as defined in your group certificate. This includes hospitalization resulting from an accident, and accidental death or dismemberment.

Click here for information about filing an Accident claim.

Covered Events

The plan provides a lump-sum payment for over 150 covered events such as:

• Fractures
• Dislocations
• Second and third degree burns
• Cuts or lacerations
• Eye injuries
• Coma
• Torn knee cartilage
• Ruptured disc
• Concussions

Covered Services/Treatments

You’ll receive a lump-sum payment when you have these covered medical services/treatments:

• Ambulance
• Emergency care
• Inpatient/Outpatient surgery
• Physician follow-up visits
• Transportation
• Medical Testing Benefits (includes x-rays, MRIs, and CT Scans)
• Therapy services (including physical and occupational therapy)

This plan provides protection for covered events experienced while off the job only.

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Critical Illness Insurance

Critical illness insurance through MetLife works to complement your medical coverage and pays in addition to what your medical plan may or may not cover. It’s coverage that provides financial support when you or a dependent becomes seriously ill.

Upon diagnosis, it provides you with a lump-sum payment of $15,000 or $30,000 in initial benefits. The total benefit amount available is three times that of the initial benefit amount, which is $45,000 or $90,000, in the event that you or a dependent experience more than one covered condition.

The extra cash can help you focus on getting back on track, without worrying about finding the money to cover some of your expenses. And best of all, the payment is made directly to you, and is in addition to any other insurance you may have. It’s yours to spend however you like, including for your or your family’s everyday living expenses.

Click here for information about filing a Critical Illness claim.

Covered Conditions

As long as you or your dependents meet the policy and certificate requirements, the following medical conditions are covered:

• Cancer
• Heart attack
• Stroke
• Coronary artery bypass graft
• Kidney failure
• Alzheimer’s disease
• Major organ transplant
• And many other conditions

$50 Wellness Screening Benefit

Health screenings are an important part of managing your health. That’s why your Critical Illness insurance coverage provides an additional Health Screening Benefit for covered screenings and tests. Now, everyone who’s enrolled—you, your spouse, and dependent children—can earn an extra benefit just for taking care of your health.

How to Claim your $50 Health Screening Benefit

You can submit multiple claims for your spouse or dependent children, all on one call.

• Call 800-438-6388.
• Provide a few details, including the healthcare provider’s name, address, and phone number, the screening/test and the date it was completed, and the address where the test/screening was performed.
• Receive your Health Screening Benefit payment. (Checks are typically issued within a few business days once your claim has been processed.)