Life Insurance and Living Benefits
Life insurance pays your beneficiary in the event of your death.
Life has changed, the need to protect your family hasn't
You can get cost-effective life insurance coverage to protect those you care about most and the life you’re building for them today.
Life insurance can be a critical first step in helping to ensure your family’s financial wellbeing. With your MetLife group term life insurance coverage, you get access to meaningful services to help you make the right decisions to manage what life may bring.
Your life insurance benefits include access to MetLife Advantages℠—a comprehensive suite of valuable services for support, planning and protection when you need it most at no cost to you.
Unless specifically noted, all MetLife Advantages below are available to all employees insured under the FCA group life insurance plan.
Services Include
Helping to ensure your final wishes are clear. You can choose to complete wills and other important estate planning documents. Work one-on-one with an attorney, in-person or on the phone to prepare or update a will, living will or power of attorney.
Offering unlimited access to create and execute key estate planning documents online by answering a few simple questions. The best part is you can have your estate planning documents witnessed and notarized from the comfort of your home, with real-time ID verification and video notary, where allowed by law.
Settling an estate with confidence. With unlimited consultations, either in-person with an attorney or by phone, including court representations, you can feel confident you’ve made the right decisions.
Accessing professional support in a time of need. Meet in-person or by phone with a licensed counselor to help cope with a loss or major life change. Work with compassionate counselors that assist with customizing funeral arrangements with personalized one-on-one service.
Helping to alleviate the burden of making funeral arrangements for your loved ones. Get access to one of the largest network of funeral homes and cemeteries to pre-plan with a counselor and receive discounts on funeral services.
Reducing the pressure of immediate financial decisions. Your beneficiaries can take their time to make the right decision with the flexible settlement option that gives full access to policy funds while earning a guaranteed minimum interest rate.
This service is designed to help beneficiaries sort through the details and serious questions about claims and financial needs during a difficult time. Specially trained Delivering the Promise Specialists ready to provide in-person or telephone assistance to beneficiaries and their family members to help with filing life insurance claims, government benefits and help with financial questions.
Helping to prevent gaps in your coverage. Take your life insurance benefits with you at competitive group rates.9
Additional Plan Features
You can generally convert your Group Life Insurance benefits to an Individual Whole Life Insurance policy if your coverage terminates in whole or in part due to your retirement, termination of employment, or a change in your employee class. Conversion is also available on Group Life coverage you’ve selected for your spouse and dependent child(ren). Please note that conversion is not available on OGA coverage.
You can receive up to 80% of your Life Insurance proceeds to a maximum of $750,000 in the event that you or your covered dependents become terminally ill and are diagnosed with less than 12 months to live. This can go a long way toward helping your family meet medical and other related expenses at this difficult time.
Useful Documents
METLIFE ADVANTAGES
Services to help navigate what life may bring, at no additional cost to you!
Life Insurance FAQs
While having basic life insurance provided by your employer is a great benefit, it’s possible that it may not be enough to adequately provide for your family. Additional life insurance can give your family greater financial security if you are no longer here to earn a paycheck.
Everyone is different, but you may need more than you have now. The insurance you need changes as your life changes (for example: getting married, starting a family or buying a home). Many people are surprised to learn that they don’t have enough life insurance to cover the many expenses their loved ones may face.
It’s simple to determine the amount of coverage you need now:
Go to www.metlife.com/lifeneeds to calculate how much life insurance may be right for you.
It may be less expensive than you think. MetLife’s group life insurance plans can be an economical way for you to provide for your family with competitive9 group rates and a wide range of coverage options to choose from. Exact rates can be found in the enrollment materials provided by your employer.
Premiums are conveniently paid through payroll deduction, so you don’t have to worry about writing a check or missing a payment.
- You get competitive9 group rates and a wide range of coverage options to choose from.
- Proceeds are generally income tax free and can be paid to your beneficiary in a lump-sum payment.
- You have the convenience of having premiums automatically deducted from your paycheck.
With portability, you can take your life insurance benefits with you without a gap in coverage. If your plan offers portability8, you can continue your Group Life insurance coverage with MetLife should you leave your employer for any reason. Competitive9 rates apply but will likely be higher than your current rates. MetLife will bill you directly.
For details on Plan eligibility, please reference your Life/AD&D Certificate, as provided by FCA. If you are eligible, you will have the opportunity to change or enroll in coverage during Annual Enrollment, or if you have a Qualified Life Event. Evidence of Insurability may apply.
You may not insure Your Spouse and/or Child(ren) as a Dependent if Your Spouse is an employee who insures You and/or Your Child(ren) as a Dependent. If you and your spouse both work for FCA, only one of you may cover your eligible child(ren). If your child(ren) work(s) for FCA, you may not cover your child(ren) as a dependent child(ren) under this plan.
How much life insurance should you have?
Protect What Matters Most
Life insurance can help your family cover future day-to-day needs and long-term expenses.
For questions regarding MetLife benefits please call 1-888-892-5472
To make elections, assign beneficiaries or if you have any other questions for Benefit Connect, please call 1-888-409-3300 or visit them at Benefit Connect https://fcabenefits.ehr.com/
1 Included with Supplemental Life. Will Preparation is offered by MetLife Legal Plans, Inc., Cleveland, Ohio. In certain states, legal services benefits are provided through insurance coverage underwritten by Metropolitan General Insurance Company, Warwick, Rhode Island. For New York sitused or principally located 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.
2 Digital Estate Planning with online notary is only available to individuals covered by Optional Group Term Life insurance. It is not included with Basic Term Life insurance (unless Will Preparation is included with Basic Term Life coverage) or Dependent Term Life insurance and is not available for individuals residing outside the United States or in any U.S. territory. Domestic partnerships are not currently supported; however, if you have contributory life coverage and are in a domestic partnership, you may use a MetLife Legal Plans attorney for your planning needs. If you are unable to access the MetLife Legal Plans website, you can find a network attorney by calling MetLife Legal Plans at 1-800-821-6400, Monday through Friday, 8am – 8pm EST. You will need to provide your company name, customer number and the last 4 digits of the policyholder’s social security number. Group legal plans are provided by MetLife Legal Plans, Inc., Cleveland, OH. In certain states, group legal plans are provided through insurance coverage underwritten by Metropolitan General Insurance Company, Warwick, RI. Digital Estate Planning without online notary is available to all individuals residing within the United States (except in any U.S. territory) regardless of any MetLife relationship or product.
3 Included with Supplemental Life Insurance. Estate Resolution Services are offered by MetLife Legal Plans, Inc., Cleveland, Ohio. In certain states, legal services benefits are provided through insurance coverage underwritten by Metropolitan General Insurance Company, 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.
4 Grief Counseling and Funeral Assistance services are available to insured, their dependents and beneficiaries who have received a serious medical diagnosis or suffered a loss and provided through an agreement with TELUS Health. TELUS Health is not an affiliate of MetLife, and the services TELUS Health provides are separate and apart from the insurance provided by MetLife. Information disclosed directly to TELUS Health is not disclosed to MetLife and, therefore, is not subject to MetLife's privacy policy.
5 Services and discounts are separate and apart from the insurance provided by MetLife and are provided through a member of the Dignity Memorial® Network, a brand names used to identify a network of licensed funeral, cremation and cemetery providers that are affiliates of Service Corporation International (together with its affiliates, ‘SCI’), 1929 Allen Parkway, Houston, Texas. Planning services, expert assistance, and bereavement travel services are available to anyone regardless of affiliation with MetLife . The online planning site is provided by SCI Shared Resources, LLC. SCI, and is not affiliated with MetLife. Not approved for Non-Employer group policies sitused in WA and Employer and non-Employer group policies in AK, FL, KY, MT, ND and, NY. If the group policy is issued in an approved state, the discount is available for services offered in any state except KY and NY or where there is no Dignity Memorial presence (AK, MT, ND, SD, and WY). For MI and TN, the discount is available for ‘At Need’ services only.
6 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 assets backing the Total Control Account (TCA) are maintained in the general account of MetLife or the Issuing Insurance Company. These general accounts are subject to the creditors of MetLife or the respective Issuing Insurance Company. MetLife or the Issuing Insurance Company bears the investment experience of such assets and expects to earn income sufficient to pay interest to TCA Accountholders and to make a profit on the operation of the TCAs. Regardless of the investment experience of such assets, the effective annual rate on the Account will not be less than the rate guaranteed on the welcome guide. The TCA and other available settlement options are not bank products and are not insured by the FDIC or any other governmental agency. In addition, while the funds in your account are not insured by the FDIC, they are guaranteed by each state’s insurance guarantee association. The coverage limits vary by state. Please contact the National Organization of Life and Health Insurance Guaranty Associations (www.NOLHGA.com or 703-481-5206) to learn more. FOR FURTHER INFORMATION, PLEASE CONTACT YOUR STATE DEPARTMENT OF INSURANCE.
7 MetLife administers the PlanSmart program, and has arranged to have specially trained third party financial professionals offer financial education. The financial professionals providing financial education are not affiliated with MetLife but are providing the program under a service provider contract.
8 All coverage amounts are subject to applicable state laws. To take advantage of this benefit, coverage of at least $10,000 must be elected.
9 Cost of insurance rates are determined using methodologies that vary by company. These rates can vary and will generally increase with age. Rates for active employees may be different than those available to terminated or retired employees. It’s important to look at all factors when evaluating the overall competitiveness of rates and the value of life insurance coverage.
10 Conversion isn’t available on AD&D coverage. Conversion rates are based on your age at the time you convert.
11 The Accelerated Death Benefit due to Terminal Illness Rider pays between 50%-100% (depending on plan design) of an insured's Life Insurance proceeds (with the balance payable upon final claim) in most states if the insured becomes terminally ill. Conditions and restrictions may apply. Any outstanding loans will reduce the cash value and death benefit. When life expectancy is certified by a physician to be 12 months or less. The Accelerated Benefits Option (ABO) is subject to state availability and regulation. The ABO benefits are intended to qualify for favorable federal tax treatment under Section 101(g) of the Internal Revenue Code (26 U.S.C. Sec 101(g), in which case the benefits will not be 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 ABO 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 ABO benefits will have on public assistance eligibility for you, your spouse or your family. This is a life insurance benefit that also gives you the option to accelerate some or all of the death benefit in the event you meet the criteria for a qualifying event described in the policy. This policy or certificate does not provide long-term care insurance subject to California long-term care insurance (LTC) law. This policy or certificate is not a California Partnership for Long-Term Care program policy. LTC insurance provides nursing home care, home-health care, personal or adult day care for individuals above age 65 or with chronic or disabling conditions that need constant supervision. This policy or certificate is not a Medicare supplement (policy or certificate)
Nothing in these materials is intended to be advice for a particular situation or individual. Please consult with your own advisors for such advice. Like most group insurance policies, insurance policies offered by MetLife contain certain exclusions, exceptions, waiting periods, reductions, limitations and terms for keeping them in force. Please contact your benefits administrator or MetLife for costs and complete details.
MetLife Group Term Life insurance is issued by Metropolitan Life Insurance Company, 200 Park Avenue, New York, NY 10166 under Policy Form GPN99/G2130-S.