Critical Illness Insurance
Critical illness insurance provides a lump sum payment to help provide you and your family financial support in a difficult time.
Lump sum payment to use as you see fit for yourself and your family
Managing the emotional cost of illnesses like cancer, a heart attack or a stroke* is hard enough. Managing the financial cost as well can be overwhelming. Critical illness insurance provides a lump sum payment to 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, experiential/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
Get the most out of your benefits
We understand how important your benefits are when it comes to protecting yourself and your family. That’s why we’re committed to enhancing your existing MetLife coverage with extras that help you get even more out of your employer-sponsored plans.
- MetLife VisionAccessSM
Set your sights on savings
You and your entire family can enjoy vision discounts1 from thousands of participating ophthalmologists and optometrists with MetLife VisionAccessSM. Simply provide your program code (MET2020) when making an appointment, and you’ll save 20% on eye exams, lenses, and non-prescription sunglasses; 25% off frames; and receive discounts on laser vision correction.2
Get started now: 1-888-GET-MET-8, say “vision,” say “MetLife Vision” at 2nd prompt and select 2 for MetLife VisionAccess Discount Program. - Online Will Preparation
Protect your loved ones
In case of the unexpected, you can help ensure that your assets are distributed according to your will with Online Will Preparation Services. At no additional cost, you and your loved ones get 24/7 access to an easy-to-use, secure website to create wills and other estate resolution documents.3
Get started now: willscenter.com - Funeral Planning Discounts
Prepare for life’s unexpected outcomes
Through Dignity Memorial, you and your family have the support of the largest network of funeral homes and cemeteries in the country to pre-plan final wishes and get service discounts. You can’t predict the future, but we can certainly help you prepare for it.4
Get started now: finalwishesplanning.com | 1-866-853-0954
Plan Details
Lump sum payment to use as you see fit for yourself and your family
Help protect your health
You can never be fully prepared for a major illness. But with critical illness insurance, you can be financially prepared.
Critical Illness Insurance Flyer
Already Enrolled?
Learn how to access your certificate and coverage here. Access to MyBenefits available on or after the effective date of your coverage.
1 Source: Centers for Disease Control and Prevention: Accidents or Unintentional Injuries. Emergency department visits. https://www.cdc.gov/nchs/fastats/accidental-injury.htm. Accessed August 2018.
2 Coverage is guaranteed provided (1) the employee is actively at work and (2) dependents to be covered 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.
3 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.
4 Based on average costs at national retailchains.
5 Covered services/treatments must be the result of a covered accident or sickness as defined in the group policy/certificate. See the Outline of Coverage for more detail.
6 Benefit amount is based on sample MetLife plan design. Actual plan design and plan benefits may vary.
METLIFE'S ACCIDENT INSURANCE IS A LIMITED BENEFIT GROUP INSURANCE POLICY. The policy is not intended to be a substitute for medical coverage and certain states may require the insured to have medical coverage to enroll for the coverage. The policy or its provisions may vary or be unavailable in some states. There are benefit reductions that begin at age 65, if applicable. Like most group accident and health insurance policies, policies offered by MetLife may include waiting periods and contain certain exclusions, limitations and terms for keeping them in force. For complete details of coverage and availability, please refer to the group policy form GPNP12-AX or contact MetLife.
Benefits are underwritten by Metropolitan Life Insurance Company, New York, NY. Hospital does not include certain facilities such as nursing homes, convalescent care or extended care facilities. See MetLife’s Disclosure Statement or Outline of Coverage/Disclosure Document for full details.
1. Your actual savings from enrolling in the MetLife Vision Plan will depend on various factors, including plan premiums, number of visits to an eye care professional by yourfamily per year and the cost of services and materials received. Be sure to review the Schedule of Benefits for your plan’s specific benefits and other important details
2. MetLife VisionAccess is a discount program and not an insured benefit. Benefits are underwritten by Metropolitan Life Insurance Company, New York, NY (MetLife). Certainclaim and network administration services are provided through Vision Service Plan, Rancho Cordova, CA (VSP). VSP is not affiliated with MetLife or its affiliates. Like mostgroup benefit programs, benefit programs offered by MetLife and its affiliates contain certain exclusions, exceptions, reductions, limitations, waiting periods, and terms forkeeping them in force. Please contact MetLife or your plan administrator for costs and complete details. MetLife Vision Access is available to anyone at no charge regardlessof affiliation with MetLife.MetLife Vision Access is available to anyone at no charge regardless of affiliation with MetLife.
3. WillsCenter.com is a document service provided by SmartLegalForms, Inc., an affiliate of Epoq Group, Ltd. SmartLegalForms, Inc. is not affiliated with MetLife and theWillsCenter.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, doesnot 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.WillsCenter.com is available to anyone regardless of affiliation with MetLife.
4. Services and discounts are provided through a member of the Dignity Memorial® Network, a brand name used to identify a network of licensed funeral, cremation and cemeteryproviders that are affiliates of Service Corporation International (together with its affiliates, “SCI”), 1929 Allen Parkway, Houston, Texas. The online planning site is provided by SCIShared Resources, LLC. SCI is not affiliated with MetLife, and the services provided by Dignity Memorial members are separate and apart from the insurance provided by MetLife.SCI offers planning services, expert assistance, and bereavement travel services to anyone regardless of affiliation with MetLife. Discounts through Dignity Memorial’s network offuneral providers have been pre-negotiated. Not available where prohibited by law. If the group policy is issued in an approved state, the discount is available for funeral servicesheld 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” servicesonly. Not approved in AK, CT, FL, KS, KY, MD, MO, MT, ND, NH, NJ, NY, and WA.
Like most group insurance policies, MetLife group life insurance policies contain certain exclusions, limitations, reductions of benefits and term for coverage. Any suchexclusions, reductions or limitations will be described in the life insurance certificate, the terms of which govern MetLife’s provision of coverage