Critical Illness Insurance
The support you need when it matters most.
PRODUCTS
Why is having critical illness insurance so important?
When a serious illness happens to you or a loved one, this coverage provides you with a lump-sum benefit of your choice of either $15,000 or $30,000 in Initial Benefits upon diagnosis. The Total Benefit Amount available to you is 3 times the Initial Benefit Amount you select. For instance, when the $30,000 initial benefit is elected, either $30,000, $60,000 or $90,000, in the event that you suffer more than one Covered Condition. Payment(s) you receive will be made in addition to any other insurance you may have and may be spent as you see fit.
Your family’s expenses will continue if and when a critical illness occurs. Studies show that some families spend as much as $14,444 or more during a time of critical illness and recovery.1 And while financial experts recommend having 3–9 months of living expenses set aside to help in an emergency situation2 like undergoing a serious illness, with today’s economy, most families don’t have that kind of money in reserve.3 Help protect yourself, your family, and your budget from the financial impact of a critical illness.
Quality health and disability income insurance plans aren’t always enough. There may still be coverage gaps. Disability income plans cover a portion of your income while health insurance may leave you with some expenses to pay including:
- Health plan deductibles
- Out-of-network treatments
- Prescription copays
- Alternative treatments
How can having MetLife Critical Illness Insurance benefit you and your loved ones?
MetLife Critical Illness Insurance provides a lump-sum payment if you or a covered family member4 is diagnosed with one of the following medical conditions and meets the policy and certificate requirements:
Full Benefit Cancer,5 Partial Benefit Cancer,5 All Other Cancer,5 Heart Attack, Stroke,6 Coronary Artery Bypass Graft,7 Kidney Failure, Alzheimer’s disease,8 Major Organ Transplant and the 22 Listed Conditions.9 Your plan pays a Recurrence Benefit for the following Covered Conditions: Heart Attack, Stroke, Coronary Artery Bypass Graft, Full Benefit Cancer, Partial Benefit Cancer and All Other Cancer. A Recurrence Benefit is only available if an Initial Benefit has been paid for the Covered Condition. There is a Benefit Suspension Period between Recurrences.10
Why should I enroll now?
- Competitive group rates
- Your acceptance is guaranteed providing you are actively at work.11
- Convenient payroll deduction
- Portable coverage enables you to take it with you if your employment status changes.13
Plan Details
Lump sum payment to use as you see fit for yourself and your family
Resources
Help protect your health
You can never be fully prepared for a major illness. But with critical illness insurance, you can be financially prepared.
More convenient ways to enroll
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1 MetLife Accident and Critical Illness Impact Study, October 2013.
2 www.bankrate.com, How big should your emergency fund be?, Accessed May 2017.
3 e-personalFinance.com, How Does Critical Illness Insurance Work, Accessed March 2014.
4 Eligible Family Members mean all persons eligible for coverage as defined in the Certificate.
5 Please review the Disclosure Statement or Outline of Coverage/Disclosure Document for specific information about cancer benefits. Not all types of cancer are covered. Some cancers are covered at less than the Initial Benefit Amount. For NH sitused groups and NH residents, there is an initial benefit of $100 for All Other Cancer.
6 In certain states, the Covered Condition is Severe Stroke.
7 In NJ sitused cases. the Covered Condition is Coronary Artery Disease.
8 Please review the Outline of Coverage for specific information about Alzheimer’s disease.
9 MetLife Critical Illness Insurance will pay 25% of the Initial Benefit Amount when a covered person is diagnosed with one of the 22 Listed Conditions. A Covered Person may only receive one benefit payment of a Listed Condition in his/her lifetime. The Listed Conditions are: Addison’s disease (adrenal hypofunction); amyotrophic lateral sclerosis (Lou Gehrig’s disease); cerebrospinal meningitis (bacterial); cerebral palsy; cystic fibrosis; diphtheria; encephalitis; Huntington’s disease (Huntington’s chorea); Legionnaire’s disease; malaria; multiple sclerosis (definitive diagnosis); muscular dystrophy; myasthenia gravis; necrotizing fasciitis; osteomyelitis; poliomyelitis; rabies; sickle cell anemia (excluding sickle cell trait); systemic lupus erythematosus (SLE); systemic sclerosis (scleroderma); tetanus; and tuberculosis.
10 We will not pay a Recurrence Benefit for a Covered Condition that Recurs during a Benefit Suspension Period. We will not pay a Recurrence Benefit for either a Full Benefit Cancer or Partial Benefit Cancer unless the Covered Person has not had symptoms of or been treated for the Full Benefit Cancer or Partial Benefit Cancer for which we paid an Initial Benefit during the Benefit Suspension Period.
11 Coverage is guaranteed provided (1) the colleague is actively at work and (2) any dependents to be covered are not under medical restriction as described 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.
12 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.
13 The Health Screening Benefit is not available in all states. See your certificate for any applicable waiting periods. There is a separate mammogram benefit for MT residents and for cases sitused in CA and MT.
14 Coverage for Domestic Partners, civil union partners and reciprocal beneficiaries varies by state. Please contact MetLife for more information.
15 Dependent Child coverage varies by state. Please contact MetLife for more information.
16 Coverage is guaranteed provided (1) the colleague 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. Coverage is guaranteed provided (1) the colleague 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 (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.