MetLife Advantages is a comprehensive suite of meaningful services and benefits available when you become eligible or enroll in MetLife’s basic, supplemental life or AD&D insurance. It includes unique and valuable features that help you plan and get ahead in life – conveniently through the workplace. Click on the headings below to learn more about each of these valuable services.
Support: Comfort and guidance for challenging times
Our Employee Assistance Program (EAP)4 provides you and your household members help with your personal and work-related problems.
EAP can provide you and your family with guidance and support for a wide range of personal and work-related issues, including:
- Achieving life balance
- Stress and anxiety
- Grief and loss
- Health and wellness
- Child care/elder care resources
- Relationship issues
- Convenience services
- Financial and legal issues
- Identity theft
The Total Control Account (TCA) is an insurance settlement option that helps beneficiaries manage life insurance proceeds and provides easy access to funds.5 Insurance proceeds may be paid to beneficiaries via their TCA, an interest-bearing account with a guaranteed minimum interest rate. The account earns interest from the date it is established, and the beneficiary is provided with draft-writing privileges that provide full and immediate access to the insurance proceeds.
With TCA, beneficiaries have access to:
- An account which earns interest from the date it was established – interest is compounded daily and credited monthly to the Account
- A dedicated toll-free customer service number
- A personalized draft book -- no charges for processing drafts, no maintenance fees and no charge for additional drafts
- Easy-to-read statements
- A beneficiary designation form -- accountholders can name a beneficiary(ies) to receive their TCA balance in the event of their death
- Our Life Advice newsletter, published by MetLife specifically for TCA accountholders. Life Advice provides timely information for beneficiaries through a wide range of topics — from what to expect during bereavement, to health tips and facts about TCA
- Online access to TCA information including statements, Life Advice newsletter, transaction history, current balance, current rate of interest and other information through MetLife’s MetOnline services
Travel Assistance Services6 with Identity Theft Solutions provides you and your dependents with certain types of medical, legal and financial assistance 24 hours a day, 365 days a year, when you are more than 100 miles away from home. You also have access to Mobile Assist services to provide you with information to help avoid expensive mobile telephone charges and help effectively use overseas options.Travel and financial services include:
- General travel information about visa passport, inoculation requirements and local customs
- 24-hour pre-departure information (weather, currency, holidays)
- Telephone interpretation
- Emergency cash/bail assistance/legal referrals
- Lost document and luggage assistance
- Physician/hospital/dental referrals and prescription transfer
- Hospital admission validation
- Transportation to join patient
- Evacuation and repatriation
- Return of mortal remains
- Education and protection resources
- Personal guidance services, including: Filing and obtaining police and credit reports, contacting creditor fraud departments, and taking inventory of lost or stolen items.
Planning: Professional and in-person resources when it matters
WillsCenter.com10, a service provided by SmartLegalForms, Inc., provides secure online will generation services. With WillsCenter.com, anyone can create important legal papers including wills, power of attorney documents, living wills and HIPAA authorization forms.
What does WillsCenter.com provide?
- Current, state-compliant document templates created by attorneys
- Unlimited access and use, 24 hours a day, 7 days a week
- Secure, online retention of documents for three years
- Self-help resources
- Instructions for witnessing/signing documents before a notary public
As a nationally known leader in special needs planning, MetLife has the expertise to provide the information necessary to help secure a lifetime of care and help ensure quality of life and financial freedom for your dependents with special needs as well as provide peace of mind for caregivers.
MetLife’s Special Needs Planning program offers:
- Comprehensive planning assistance to help with the legal and financial complexities of special needs planning
- Access to resources and services through the MetLife Center for Special Needs Planning
- Opportunity to meet personally with a financial professional11 to discuss specific circumstances and individual goals
Planning a funeral service requires making many decisions at a difficult time. MetLife’s end-to-end Funeral Planning Services offer valuable benefits that span the entire loss spectrum, from planning for a loss to support following a loss and help finding closure. These services are designed to simplify the process for your family and beneficiaries and make it easier to organize an event that will honor a loved one’s life.
MetLife provides a single solution for personal grief counseling and funeral planning needs.12
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In addition, MetLife’s Funeral Planning Guide provides information that can help you plan and manage a funeral service.
Protection: Range of solutions for continuing workplace coverage
1 Subject to state regulatory approval. Grief counseling services are provided through an agreement with Harris, Rothenberg International (HRI), Inc. HRI is not an affiliate of MetLife, and the services HRI provides are separate and apart from the insurance provided by MetLife. HRI has a nationwide network of 46,700 counselors. Counselors have master’s or doctoral degrees and are licensed professionals with extensive experience working with people who have suffered a loss.
2 The Grief Counseling program does not provide support for issues such as: Domestic Issues, Parenting Issues, or Marital/ Relationship Issues. For such issues, members should inquire with Human Resources about their company’s EAP program, or community resources. Support for events covered in this program are conditioned on a medical diagnosis or major loss that has occurred (death in the family, job loss, a finalized divorce or separation). Support for events that may result in a loss that has not occurred, such as relationship issues or job instability are not covered in this program.
3Delivering The Promise® is a service designed to provide beneficiaries with the support and assistance they need during an especially difficult time. Services include assistance filing life insurance claims and consultation to help with the details and questions that arise upon the loss of a loved one. Delivering The Promise Specialists are Financial Services Representatives of MetLife or New England Financial, a MetLife company.
4EAP services are provided through an agreement with E4 Health, Inc. E4 Health is not a subsidiary or affiliate of MetLife and the services provided are separate and apart from the insurance and services provided by MetLife.
5Subject 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 TCAs, and expects to receive a profit. Regardless of the investment experience of such assets, the interest credited to Total Control Accounts will never fall below the guaranteed minimum rate. Guarantees are subject to the financial strength and claims paying ability of MetLife.
6Available with either AD&D or BTA coverage. 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.
7Included with Supplemental Life Insurance. Will Preparation 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.
8Included with Supplemental Life Insurance. 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. 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.
9Participants are responsible for any attorney's fees that exceed the reimbursable amount.
10WillsCenter.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.
11Investment advisory services offered by MetLife Securities, Inc., 200 Park Avenue, NY, NY 10166.
12Grief counseling personal and funeral planning needs available for basic life participants.
13MetLife Infinity is offered by MetLife Consumer Services, Inc., an affiliate of Metropolitan Life Insurance Company.
14Subject to state availability.
15Transition Solutions is part of PlanSmart® a comprehensive program that provides employees with access to a range of financial and retirement education resources through on-site workshops, with optional personal consultations, and decision-support assistance.
16Transition Solutions Specialists are Financial Services Representatives of MetLife or New England Financial, a MetLife company.