MetLife AdvantagesSM
Your lifeinsurance benefitsinclude
Services include:
Will Preparation offers you and your spouse unlimited face-to-face or telephone meetings with an attorney, from the MetLife Legal Plans network of over 18,000 participating attorneys, to prepare or update a will, living will and Power of Attorney. This benefit is available to you only if you have Optional Life insurance.
For more information, call MetLife Legal Plans at 1-800-821-6400, Monday – Friday, 8 a.m. to 7 p.m. ET. Advise the Client Service Representative that you are with the State of Maryland (group number 215917) and provide the last four digits of your Social Security number.
Create and execute key estate planning documents for you or your spouse online from the comfort of your own home. Receive step-by-step guidance to help complete a will, living will and power of attorney in as little as 15 minutes. Answer a few questions about yourself, your family, and your assets to create these documents instantly and have the documents witnessed and notarized with real-time ID verification and video notary.2 If there are aspects of your estate that are more complicated, you might be directed to one of our MetLife Legal Plans network attorneys. This benefit is available to you only if you have Optional Life insurance.
Visit www.legalplans.com/estateplanning and follow the online instructions to create an account using the email and password of your choice. Follow the simple instructions to create your documents.
Estate representatives and beneficiaries may receive unlimited face-to-face legal assistance with probating your and your spouse’s estates. Beneficiaries can also consult an attorney, from the MetLife Legal Plans network of more than 18,000 participating attorneys, for general questions about the probate process. This benefit is available to you only if you have Optional Life insurance.
For more information, call MetLife Legal Plans at 1-800-821-6400, Monday – Friday, 8 a.m. to 7 p.m. ET. Advise the Client Service Representative that you are with the State of Maryland (group number 215917) and provide the last four digits of your Social Security number.
This service is designed to simplify the funeral planning process for your loved ones and beneficiaries to assist them with organizing an event that will honor a loved one’s life - from a self-paced funeral planning guide to services such as locating funeral homes, florists and local support groups.
To locate funeral homes and other important service providers, call Dignity Memorial 24 hours a day at 1-866-853-0954 or visit www.finalwishesplanning.com. To locate funeral homes and other important service providers, call 1-866-853-0954.
Access to professional support in a time of need. Meet in-person or by phone with a licensed counselor for information, support, crisis intervention, as it relates to a loss (e.g. death, job termination, pet, life threatening illness) 5 sessions. Work with compassionate counselors that will help assist with customizing funeral arrangements with personalized one-on-one service that will honor a loved one’s life from a self-paced funeral planning guide to services such as locating funeral homes, florists and local support groups.
Visit one.telushealth.com Login: metlifeassist Password: support or call TELUS Health phone #: 1- 888-319-7819.
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.
Call MetLife at 800-638-7283, Monday–Friday, 8 a.m. to 6 p.m. ET.
Transition Solutions focuses on guidance and services around insurance and other financial products to help you and your family better prepare for your future in response to benefit changing events.
Call MetLife at 1-877-275-6387, Monday – Friday, 9 a.m. to 6 p.m. ET.
Travel Assistance is a unique program where you and covered family members9 can contact AXA representatives to administer emergency medical, travel, and personal assistance services on your behalf wherever you are in the world.
Call AXA at 1-800-454-3679 within the United States or call collect at 1-312-935-3783 outside the United States.
This service is designed to help beneficiaries sort through the details and serious questions about claims and financial needs during a difficult time. MetLife has arranged to have specially-trained financial professionals available (in person or by telephone) to help with filing life insurance claims, government benefits and help with financial questions.
Visit www.MetLife.com/plansmartsolutions for more information.
Additional-Plan-Features:
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 with the State of Maryland, or a change in your employee class. Please note that you cannot convert your Accidental Death and Dismemberment coverages.
Gives you an opportunity to continue your Group Life insurance coverage with MetLife should you leave employment with the State of Maryland for any reason. Competitive rates apply but will likely be higher than your current rates and MetLife will bill you directly. To take advantage of this feature, you must have coverage of at least $10,000 up to a maximum of $2,000,000. Generally, there is no minimum time for you to be covered by the plan before you can take advantage of the portability feature. Please see your plan administrator for specific details. Portability is also available on coverage you’ve selected for your spouse and dependent child(ren). Dependents’ amounts are contingent on the employee’s amount. Increases, decreases and maximums are subject to state availability.
You can receive up to 100% of your Optional Life insurance proceeds, 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 1-800-638-6420, 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.
2 Digital Estate Planning with online notary is only available to individuals with supplemental term life insurance and is not available for individuals residing in any U.S. territory. Domestic partnerships are not currently supported; however, if you have supplemental 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. Online Notary is not included with basic or dependent life. Digital Estate Planning without online notary is available to all individuals regardless of any MetLife relationship or product, except those residing in any U.S. territory.
3 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 cemetery providers that are affiliates of Service Corporation International (together with its affiliates, “SCI”), 1929 Allen Parkway, Houston, Texas. The online planning site is provided by SCI Shared 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. Not available in some states. Planning services, expert assistance, and bereavement travel services are available to anyone regardless of affiliation with MetLife. Discounts through Dignity Memorial’s network of funeral providers are pre-negotiated. Not available where prohibited by law. 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. For coverage issued under a multiple-employer trust, services are not available for WA residents.
4 Grief Counseling and Funeral Assistance services are 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. TELUS Health has a nationwide network of over 30,000 counselors. Counselors have master’s or doctoral degrees and are licensed professionals. The Grief Counseling program does not provide support for issues such as: domestic issues, parenting issues, or marital/relationship issues (other than a finalized divorce). For such issues, members should inquire with their human resources department about available company resources. This program is available to insureds, their dependents and beneficiaries who have received a serious medical diagnosis or suffered a loss. Events that may result in a loss are not covered under this program unless and until such loss has occurred. Services are not available in all jurisdictions and are subject to regulatory approval. Not available on all policy forms.
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 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.
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 Travel Assistance services are offered and administered by AXA Assistance USA, Inc. Certain benefits provided under the Travel Assistance program are underwritten by Certain Underwriters at Lloyd’s London (not incorporated) through Lloyd’s Illinois, Inc. Neither AXA Assistance USA Inc. nor the Lloyd’s entities are affiliated with MetLife, and the services and benefits they provide are separate and apart from the insurance provided by MetLife.
8 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.
9 All coverage amounts are subject to applicable state laws. To take advantage of this benefit, coverage of at least $10,000 must be elected.
10 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.