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: Supplemental Term coverage provides participants and their spouse/domestic partner face-to-face access to will preparation services to prepare and update a will, living will and power of attorney through a nationwide network of more than 13,000 participating Hyatt Legal Plan attorney.
WillsCenter.com: All customers have access to WillsCenter.com, an online document service to prepare and update a will, living will, power of attorney or HIPAA authorization in a secure environment at no additional cost.4
Employee Assistance Programs (EAP)5: Employees and their immediate families may receive confidential, professional counseling for behavioral, health and life issues.
Grief Counseling6: Offered as an option on Basic Term coverage at no additional cost, Grief Counseling can help employees, their dependents, and their beneficiaries cope with a loss. It helps to provide the support, comfort, tools and services employees need to get back to a productive life - at work and home.
Transition Solutions7: 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 Planning8: 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 Assistance9: 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 Solutions9: 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
- Destination transport (rental car/limousine, etc.) information
- Destination Information
- Sporting, theater, night life and event information,
recommendations and information
- Golf course information, referrals, recommendations and
- 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.
Estate Resolution Services (ERS)3: Offered as an option on Supplemental Term coverages, beneficiaries and estate representatives of an employee's estate have access to valuable legal assistance through face-to-face 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.
The Total Control Account® (TCA)10: 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.
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 the maturity age specified in your certificate
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 and MetLife Estate Resolution Services are offered by Hyatt Legal Plans, Inc., a MetLife company, 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. Tax Planning and preparation of Living Trusts are not covered by the Will Preparation Service. Certain services are not covered by Estate Resolution Services, including matters in which there is a conflict of interest between the executor and any beneficiary or heir and the estate; any disputes with the group policyholder, MetLife and/or any of its affiliates; any disputes involving statutory benefits; will contests or litigation outside probate court; appeals; court costs, filing fees, recording fees, transcripts, witness fees, expenses to a third party, judgments or fines; and frivolous or unethical matters.
4 WillsCenter.com is a document service provided by SmartLegalForms, Inc., an affiliate of Epoq Group, Ltd. SmartLegalForms, Inc. is not affiliated with MetLife and the WillsCenter.com service is separate and apart from any insurance or service provided by MetLife. The WillsCenter.com service does not provide access to an attorney, does not provide legal advice, and may not be suitable for your specific needs. Please consult with your financial, legal, and tax advisors for advice with respect to such matters.
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 Grief Counseling services are provided through an agreement with Harris, Rothenberg International, Inc. HRI is not an affiliate of MetLife and the services HRI provides are separate and apart from the insurance provided by MetLife.
7 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.
8 MetLife Center for Special Needs Planning: Investment advisory services offered by MetLife Securities, Inc., 1095 Avenue of the Americas, New York, NY 10036.
9 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.
10 Subject to state law, and/or group policyholder direction, the Total Control Account is provided for all Life and AD&D benefits of $5,000 or more. The TCA is not insured by the Federal Deposit Insurance Corporation or any government agency. The assets backing TCA are maintained in MetLife's general account and are subject to MetLife's creditors. MetLife bears the investment risk of the assets backing the TCA, and expects to earn income sufficient to pay interest to TCA Accountholders and to provide a profit on the operation of the TCAs. Guarantees are subject to the financial strength and claims paying ability of MetLife.
Group Term Life is issued by Metropolitan Life Insurance Company, 200 Park Ave., New York, NY 10166. Policy Form GPNP99.
When I enter a phone number in the space provided above, I consent to receive phone calls to the phone number I provided, including calls to my wireless phone. I consent to have these calls generated using an automated technology from the MetLife family of companies, or vendors on MetLife's behalf, and that voicemails may be pre-recorded messages. My consent is not required to make a purchase.