Critical Illness Insurance

Critical Illness insurance provides a lump sum payment to help provide you and your family financial support in a difficult time.

 

Help take care of unexpected expenses with critical illness insurance

Many people may be able to relate to the financial burden caused by unanticipated health issues. By contributing small amounts today you can create a safety net for tomorrow.

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Critical Illness Insurance

Lump-sum payment upon verified diagnosis to use as you see fit for yourself and your family

Managing the emotional cost of illnesses like cancer,1 a heart attack2 or a stroke3 is hard enough. Managing the financial costs as well can be overwhelming. Critical illness insurance provides a lump-sum payment upon verified diagnosis of a covered condition to help ensure you and your family have financial support in a difficult time, so you can spend less time worrying about money and more time focusing on healing.

  • You’ll receive a lump-sum payment upon verified diagnosis to use as you see fit
  • Use it for prescriptions, deductibles, co-payments, experimental/non-traditional treatments and even non-medical expenses like everyday bills
  • Pays out regardless of what your medical insurance covers
  • Payments are paid directly to you, not to the doctors, to the hospitals or to the healthcare providers

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Critical Illness Insurance FAQs

Yes, you can enroll both yourself and your eligible family members.4 All you need to do is enroll during the enrollment period and be actively at work.

One of the hardest parts of managing illnesses like cancer1, heart attack2, or stroke3 is providing the support and comfort your family needs beyond the cost of care.

Even the best medical and disability income plans can leave you with extra expenses to pay or services that just aren’t covered, things like medical plan deductibles and copays, or extra costs for out-of-network care. And if you’re out of work because of a disability, it might be that only some of your income is protected. Many people may not be prepared to handle these extra costs, so having this extra financial support when the time comes may mean less worry for you and your family.

Yes. Your critical illness coverage is guaranteed,5 regardless of your health. You just need to be actively at work to be covered. There are no medical exams to take and no health questions to answer, so the whole process might be easier than you first thought.

Your plan pays an additional benefit (Recurrence Benefit) if a medical condition reoccurs for certain covered conditions. A recurrence benefit is only available if the initial benefit has already been paid for the covered condition. And there may be a benefit suspension period (or waiting period) between recurrences.6

Benefits will be paid directly to you, not to doctors, hospitals or any other health care providers. There’s no need to work it around any other insurance you may have. Benefits are paid no matter what your other insurance plans may cover.

Yes. This coverage is portable, meaning you can take it wherever you go. Your coverage will only end if you stop paying your premium or if your employer offers you similar coverage with a different insurance carrier.7

Your Critical Illness Insurance can be cancelled by emailing the cancellation request to NEBAadmin@gisbenefits.net

*Please review the other insurance tabs to ensure the cancellation process is the same.

Help Reduce the Financial Impact of a Serious Illness

Critical illness insurance can help you financially prepare for a major illness.

1 Please review the certificate for specific information about cancer benefits. In most states, not all types of cancer are covered.

2 The Heart Attack Covered Condition pays a benefit for the occurrence of a myocardial infarction, subject to the terms of the certificate. A myocardial infarction does not include sudden cardiac arrest.

3 In certain states, the Covered Condition is Severe Stroke.

4 Eligible Family Members means all persons eligible for coverage as defined in the Certificate.

5 Coverage is guaranteed provided (1) the employee is actively at work and (2) dependents are not subject to medical restrictions as set forth on the enrollment form and in the Certificate. Some states require the insured to have medical coverage. Additional restrictions apply to dependents serving in the armed forces or living overseas. [For CA-sitused cases, Coverage is guaranteed provided (1) the employee is performing all of the usual and customary duties of your job at the employer’s place of business or at an alternate place approved by your employer and (2) dependents are not subject to medical restrictions as set forth on the enrollment form and in the Certificate.] Some states require the insured to have medical coverage. Additional restrictions may apply to dependents serving in the armed forces or living overseas.

6 Please review the Disclosure Document or Outline of Coverage/Disclosure Document for information on which Covered Condition may be eligible for a Recurrence Benefit. There may be a Benefit Suspension Period between recurrences of the same Covered Condition, as well as occurrences of different Covered Conditions.  There may be a limitation on the number of Recurrence Benefits payable per Covered Condition. We will not pay a benefit for a Covered Condition that is subject to a Benefit Suspension Period.  If a Recurrence Benefit is payable for a Cancer Covered Condition, we will not pay such benefit unless the Covered Person has not had symptoms of or been treated for the same cancer for which we paid a benefit during the Treatment Free Period.

7 Eligibility for portability through the Continuation of Insurance with Premium Payment provision may be subject to certain eligibility requirements and limitations. For more information, contact your MetLife representative.

METLIFE CRITICAL ILLNESS INSURANCE (CII) IS A LIMITED BENEFIT GROUP INSURANCE 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 vary by state. There may be a preexisting condition exclusion.  There may be a Benefit Reduction Due to Age provision. There may be a Benefit Suspension Period between recurrences of the same Covered Condition or occurrences of different Covered Conditions.  MetLife offers CII on both an Attained Age basis, where rates will increase when a Covered Person reaches a new age band, and an Issue Age basis, where rates will not increase due to age. Rates are subject to change. MetLife reserves the right to raise premium rates for Issue Age CII on a class-wide basis. A more detailed description of the benefits, limitations, and exclusions applicable to MetLife’s CII product 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, GPNP10-CI, GPNP14- CI, GPNP19-CI or contact MetLife for more information.  Please contact MetLife for more information. Benefits are underwritten by Metropolitan Life Insurance Company, New York, New York.

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.