MetLife Advantages^SM

Your Optional 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.

Services

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Having a will prevents unnecessary stress and ensures your final wishes are clear. We offer valuable legal resources through MetLife Legal Plans to assist you with creating or updating a will at no additional cost. Choose to meet with any of our more than 18,500 network attorneys in-person or by phone for a one-on-one consultation in a private and supportive environment.

For more information, visit legalplans.com/estateplanning. Enter “PEBA” as the employer.

Estate representatives and beneficiaries can receive unlimited face-to-face legal assistance with probating your and your spouse’s estates. Beneficiaries can also consult an attorney from MetLife Legal Plans’ network of more than 18,500 participating attorneys for general questions about the probate process.

For more information, call MetLife Legal Plans at 800.821.6400, 8 a.m. to 7 p.m., Monday-Friday. Advise the Client Service Representative you are with PEBA (group number 200879) and provide the last four digits of your Social Security number.

With Digital Estate Planning, it is easier than ever 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.

Visit metlife.com/estateplanning and follow the online instructions to create an account using your email address and a password.

Alleviating the burden of making funeral arrangements from their loved ones, employees get exclusive access to the largest network of funeral homes and cemeteries to preplan with a counselor and receive discounts on funeral services.

For more information, contact Dignity Memorial at 866.853.0954 or visit finalwishesplanning.com.

Grief Counseling offers professional support in times of need through face-to-face sessions with a licensed counselor to help employees cope with a loss or major life change. Employees can also speak to a licensed counselor from the comfort of their home through the helpline.

Call 888.319.7819, then select Option 2 or visit one.telushealth.com. The username is "metlifeassist" and the password is "support".

This benefit reduces the pressure of immediate financial decisions. Beneficiaries can take their time to make the right decision with the flexible settlement option that gives them full access to policy funds while earning a guaranteed minimum interest rate through TCA.

For more information, visit metlife.com/insurance/life-insurance/learn-about-tca/.

Employees get help with time-sensitive benefit and financial decisions to help them make the right choices during changes in employment.

Call 877.ASK.MET7 (877.275.6387) to speak with a local financial representative. MetLife has arranged for specially trained third-party financial professionals to answer questions and provide guidance to help you make the right decisions to protect your financial future.

Your beneficiaries receive guidance from experts as they work through their options and financial needs with Delivering the Promise services.

Offers support and guidance for beneficiaries managing their grief, as well as help with probating and settling an estate, closing accounts, home clearing and more. Beneficiaries can choose to get the support they need online through the Empathy app/portal, or with a dedicated care manager, or a combination of both.

Additional plan features

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You can generally convert your group term 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. Please note that you cannot convert your Accidental Death and Dismemberment coverages.

MetLife has contracted with Barnum Financial Group to help with converting coverage. Call MetLife at 877.275.6387, Prompt 1, Monday–Friday, 9 a.m. to 6 p.m. ET.

You can receive up to 80% of your Optional Life insurance proceeds, up to a maximum of $400,000, in the event that you 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.

Call MetLife at 800.638.6420, Prompt 2, Monday–Friday, 8 a.m. to 6 p.m. ET.

^1. Included with Optional Life Insurance. Will Preparation and 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. 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. 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. Estate Resolution Services is available in the event the insured or their spouse/domestic partner passes away, and not for the death of extended family members (i.e. child, parents, grandparents, in-laws).

^2. Digital Estate Planning with online notary is only available to individuals covered by Optional Life insurance. It is not included with Basic Life insurance or Dependent Life insurance and is not available for individuals residing outside the U.S. or in any U.S. territory. Domestic partnerships are not currently supported; however, if you have Optional 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 800.821.6400, Monday through Friday, 8 a.m.–8 p.m. EST. You will need to provide your organization name (South Carolina Public Employee Benefit Authority), customer number (200879) 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 U.S. (except in any U.S. territory) regardless of any MetLife relationship or product.

^3. 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 name 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 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.

^4. Grief Counseling services are available to insureds, 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. Events that may result in a loss are not covered under this program unless and until such loss has occurred. Information disclosed directly to TELUS Health is not disclosed to MetLife and, therefore, is not subject to MetLife's privacy policy.

^5. 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 guaranty association. 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.

^6. MetLife administers the Transition Solutions 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.

^7. MetLife administers the Delivering the Promise 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. Conversion isn’t available on AD&D coverage. Conversion rates are based on your age at the time you convert.

^9. 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.
The ABO benefits are intended to qualify for favorable federal tax treatment, 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.

^10. Empathy’s bereavement services and platform are provided through an agreement with The Empathy Project, Inc. (doing business as Empathy). Empathy is not an affiliate of MetLife, and the services Empathy provides are separate and apart from the insurance provided by MetLife. This program is available to beneficiaries, and insureds who are terminally ill and eligible to accelerate life proceeds under MetLife's Accelerated Benefit Option. Not available on all policy forms or in all jurisdictions. Empathy is only available to insureds and beneficiaries who are US residents. Information disclosed directly to Empathy is not disclosed to MetLife, and therefore is not subject to MetLife’s privacy policy.

The ABO benefits are intended to qualify for favorable federal tax treatment, 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.

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

MetLife AdvantagesSM

Services

Will Preparation1

Estate Resolution Services1

Digital Estate Planning2

Funeral Discounts and Planning Services3

Grief Counseling4

Total Control Account (TCA)5

Transition Solutions6

Delivering the Promise7

Empathy10

Additional plan features

Conversion8

Accelerated Benefits Option9

MetLife Advantages^SM