MetLife AdvantagesSM

Helping navigate life’s twists and turns

Support, Planning and Protection When You Need It Most

Life is full of surprises. You prepare for them as best as possible and the life insurance you have through the workplace is valuable protection — but your MetLife Basic Life, Supplemental Life and Accidental Death & Dismemberment coverage does even more than provide loved ones with security when the unexpected occurs. MetLife AdvantagesSM is a comprehensive suite of valuable services available with your coverage and designed to help you, and those you love, deal with everyday challenges so you can live better now and in the future.

Support

Comfort and Guidance for Challenging Times

  • Grief Counseling1 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.
  • Delivering the Promise2 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 for assistance 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.
  • Total Control Account3 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.
  • Travel Assistance4 Traveling with peace of mind. Access to medical, travel, and concierge services — 24 hours a day, 365 days a year when traveling internationally or domestically. Phone: 1-800-454-3679 or visit www.metlife.com/travelassist. All users are required to set up their unique profile via the registration process for first time access.

Planning

Professional and In-person Resources When It Matters

  • Will Preparation Services5 is offered with Supplemental Life and 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. For more information, call MetLife Legal Plans at 800-821-6400, Monday–Friday, 8 a.m. to 7 p.m. ET.
  • Estate Resolution Services5 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.

Protection

Range of Solutions for Continuing Workplace Coverage

  • Coverage for employees and Leave Without Pay (LWOP) members
  • Services for workplace transitions
    • Portability6 provides the option to "port" or take your coverage with you if you become separated from or leave your company — a valuable feature in today’s ever changing world.
    • Transition Solutions7 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 877-275-6387, Monday–Friday, 9 a.m. to 6 p.m. ET.

1 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.

2 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.

3 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 Account holders 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.

4 Travel Assistance Solutions services are 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.

5 Included with Supplemental Term Life. 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 Property and Casualty Insurance Company and affiliates, 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. 

6 All coverage amounts are subject to applicable state laws. To take advantage of this benefit, coverage of at least $10,000 must be elected. 

7 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.

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