Additional Benefits

Additional Benefits

A number of MetLife Group Life’s products and services provide a "living benefit" to employees today, and as their needs evolve.

Value Added Services for Participants

• Portability¹: In addition to our portable Permanent Life products, we offer a Portability option on Group Term Life and AD&D coverages, so employees can take their coverage with them if they leave your company.

• Accelerated Benefits Option (ABO)²:  The Accelerated Benefits Option permits terminally ill insureds to receive a portion of their life insurance in advance to minimize the financial burden of medical and other expenses — up to 80% of the total insured amount.

• Waiver of Premium: Disabled employees may qualify to have their life insurance premiums waived while they are unable to work.

• Will Preparation³: Participants and their spouses can receive unlimited access to in-person legal consultation and coverage of all participating plan attorney fees for preparing or updating a will, living will and power of attorney services.  Participants have access to Hyatt Legal Plan’s nationwide network of more than 11,500 participating attorneys.

• Estate Resolution Services (ERS)⁴:Provide beneficiaries and estate representatives of an employee’s estate with valuable legal assistance through one-on-one consultations with a Hyatt plan attorney to discuss matters related to settling the insured’s will and estate. Services include preparation of documents for court proceedings and completion of correspondence necessary to transfer non probate assets.  Beneficiaries who are not executors may receive a consultation about the probate process.

• Employee Assistance Programs (EAP)⁵:  Employees and their immediate families may receive confidential, professional counseling for behavioral, health and life issues.

• Transition Solutions:⁶ focuses on offering insurance and other financial products and services to help employees and their families better prepare for their future. Event-based financial solutions include employee transitions, corporate transitions, financial education and executive and beneficiary assistance.

• MetLife Center for Special Needs Planning:⁷  A program that provides a variety of planning services to families with dependents with special needs.  The Center provides a complimentary service which is committed to helping families through the maze of legal and financial complexities surrounding planning for the future of dependents with special needs.

• Travel Assistance⁸: Travel Assistance offers employees and their families access to emergency services while traveling domestically or internationally. Services Include:
  - Toll-free 800#, where service providers are available 24 hours
    a day, 365 days a year
  - Emergency services, including medical assistance, hospital 
    admission coordination and critical evacuation
  - Non-emergency services, such as help with visa and/or 
    passport requirements, financial assistance and  
    locating lost luggage

• Identity Theft Solutions⁸:   Identity Theft Solutions educates employees on preventing an identity theft occurrence. In addition, it provides personal assistance and guidance to help alleviate the stress and time burden that victims often face.  Employees are provided with:
  - Education, including the Identity Theft Risk & Prevention tool
    kit and resolution guide
  - Personal Guidance, including advice for filing and obtaining
    police and credit reports, contacting creditor fraud
    departments and taking inventory of lost or stolen items
  - Toll-free 800#, where service providers are available 24 hours
     a day, 365 days a year.

• Concierge Services: Travel Assistance includes concierge assistance designed to fulfill various travel and entertainment requests as well as arrangements for business related services. Concierge services for upcoming and current travel include:
  - Restaurant, shopping, hotel and airline
    recommendations/reservations
  - Destination transport (rental car/limousine, etc.) information
    and reservations
  - Destination Information
  - Sporting, theater, night life and event information,
    recommendations and information
  - Golf course information, referrals, recommendations and
    tee times
  - City calendar and event schedules
  - Private drivers and guides
  - Driving directions

Before you travel, you can obtain information about your visa, passport, inoculation requirements and local customs. You can also obtain 24-hour pre-departure information on weather, currency or holidays through the toll free number or by visiting the AXA website.

Value Added Services for Beneficiaries
We provide not only the claims service that beneficiaries need and expect in their time of need, but we have also created programs to support them in making important financial and personal decisions.

• The Total Control Account® (TCA): A life settlement option that helps beneficiaries manage life insurance proceeds and provides easy access to their funds.

• Delivering the Promise^®: Professional and caring services for beneficiaries who have financial questions and personal needs for assistance and information.

• MetLife’s Funeral Planning Guide: Provides employees with a resource to help them document their final wishes and important financial information. It also provides valuable information including: how to plan for funeral costs, the death claim process, personal funeral preferences and more.
  

• Download the     Funeral Planning Guide

  
  

Like most group life insurance policies, MetLife group policies contain certain exclusions, limitations, and reductions of benefits and terms for keeping them in force. Please contact us for costs and complete details.

¹ To age 95

² The Accelerated Benefits Option is subject to state availability and regulation.  The accelerated life insurance benefits offered under your certificate are intended to qualify for favorable federal tax treatment. If the accelerated benefits qualify for favorable tax treatment, the benefits will be excludable from your income and not subject to federal taxation. This information was written as a supplement to the marketing of life insurance products.  Tax laws relating to accelerated benefits are complex and limitations may apply. You are advised to consult with and rely on an independent tax advisor about your own particular circumstances. Receipt of accelerated benefits may affect your eligibility, or that of your spouse or your family, for public assistance programs such as medical assistance (Medicaid), Temporary Assistance to Needy Families (TANF), Supplementary Social Security Income (SSI) and drug assistance programs. You are advised to consult with social service agencies concerning the effect that receipt of accelerated benefits will have on public assistance eligibility for you, your spouse or your family.

³ Will Preparation Services are offered by Hyatt Legal Plans, Inc., Cleveland, Ohio. In certain states, legal services benefits are provided through insurance coverage underwritten by Metropolitan Property and Casualty Insurance Company and Affiliates, Warwick, Rhode Island. For New York sitused cases, the Will Preparation service is an expanded offering that includes office consultations and telephone advice for certain other legal matters beyond Will Preparation.

⁴ Estate Resolution Services are offered by Hyatt Legal Plans, Inc., Cleveland, Ohio. In certain states, Estate Resolution Services are provided through insurance coverage underwritten by Metropolitan Property and Casualty Insurance Company and Affiliates, Warwick, Rhode Island.

⁵ Employee Assistance Program services provided through an agreement with MHN, Inc. MHN, Inc. is not an affiliate of MetLife and the services they provide are separate and apart from the insurance and/or services provided by MetLife.

⁶ Transition Solutions Specialists are Financial Services Representatives of MetLife or New England Financial, a MetLife company.  Certain conditions apply.  Please discuss with your MetLife representative to determine if this program is right for your company.

⁷ MetLife Center for Special Needs Planning: Investment advisory services offered by MetLife Securities, Inc., 1095 Avenue of the Americas, New York, NY 10036.

⁸ Travel Assistance and Identity Theft Solutions services are administered by AXA Assistance USA, Inc. Certain benefits provided under the Travel Assistance program are underwritten by the United States Fire Insurance Company, a member of the Crum & Forster group of insurers. AXA Assistance and the Crum & Forster group are not affiliated with MetLife, and the services and benefits they provide are separate and apart from the insurance provided by MetLife.

Group Term Life is issued by Metropolitan Life Insurance Company, 200 Park Ave., New York, NY 10166. Policy Form GPNP99.