FAQ's

General Dental Insurance FAQs

Dental Insurance FAQs for Active Employees

Dental Insurance FAQs for Dental Retiree Plans – Basic or Plus

You can enroll during IBM's Annual Benefits Enrollment period(in the fall of each year) or if you experience a Qualified Status Change. New hires can enroll within 60 days from their date of hire.

A participating dentist is a general dentist or specialist who has agreed to accept negotiated fees as payment in full for services provided to plan members. Negotiated fees typically range from 30–45% below the average fees charged in a dentist’s community for the same or substantially similar services.²

There are thousands of general dentists and specialists to choose from nationwide — so you are sure to find one who meets your needs. You can receive a list of these participating dentists online at metlife.com by following these instructions or call 1-800-872-6963 to have a list mailed to you.

You do not need an ID card to receive dental services. However, if you enroll in a dental option administered by MetLife, you will receive an ID card, which will remain good for as long as you are enrolled in any dental option administered by MetLife. New cards will not be sent each year. If your card is lost or damaged, call MetLife’s Dental Service Center to request a replacement card or log onto www.metlife.com/mybenefits to print one.

Dentists may submit your claims for you which means you have little or no paperwork. You can track your claims online and even receive e-mail alerts when a claim has been processed.

If your dentist doesn’t submit claims for you, you can now take advantage of a new online feature that allows you to quickly and easily submit your own claim through MetLife’s MyBenefits portal. Click here to learn more.

If you need a paper claim form visit metlife.com or request one by calling 1-800-872-6963.

Yes. You can ask for a pre-treatment estimate. Your general dentist or specialist usually sends MetLife a plan for your care and requests an estimate of benefits. The estimate helps you prepare for the cost of dental services. We recommend that you request a pre-treatment estimate for services in excess of $300. Simply have your dentist submit a request online at metdental.com, or call 1-877-MET-DDS9. You and your dentist will receive a benefit estimate for most procedures while you are still in the office. Actual payments may vary depending upon plan maximums, deductibles, frequency limits and other conditions at time of payment.

Yes. Through international dental travel assistance services³, you can obtain a referral to a local dentist by calling +1-312-356-5970 (collect) when outside the U.S. to receive immediate care until you can see your dentist. Coverage will be considered under your out-of-network benefits.⁴ Please remember to hold on to all receipts to submit a dental claim.

Coordination of benefits provisions in dental benefits plans are a set of rules that are followed when a patient is covered by more than one dental benefits plan. These rules determine the order in which the plans will pay benefits. If the MetLife dental benefit plan is primary, MetLife will pay the full amount of benefits that would normally be available under the plan. If the MetLife dental benefit plan is secondary, most coordination of benefits provisions require MetLife to determine benefits after benefits have been determined under the primary plan. The amount of benefits payable by MetLife may be reduced due to the benefits paid under the primary plan, but the two plans may work together to provide up to 100% coverage. For more information, contact MetLife’s Dental Service Center.

This is the total amount the plan will pay in the plan year. Once this amount is reached, no further benefits will be paid. The Annual Maximum for IBM Dental Basic option for both Active and Retirees is $500 per individual.

The IBM Dental Plus option has an Annual Maximum of $2,000 per individual for Retirees and $2,500 per individual for Actives. Effective January 1, 2027, Preventive Care Services will no longer count toward the Annual Maximum Benefit under the Dental Plus plan for Actives.

For active employees, only the IBM Dental Plus option covers orthodontia treatment. For retirees, the IBM Dental Plus, cover orthodontia treatment. The Orthodontia Lifetime Maximum is the total amount the plan will pay for orthodontic services for each covered person (subject to any plan age limitations). Once this amount is reached, no further benefits will be paid. This does not affect your Annual Maximum Benefit for Diagnostic, Basic Restorative, and Major Restorative coverages.

The Oral Fitness Library is a resource, provided by MetLife, available to all IBMers.⁷ It provides easily understood, dependable information regarding oral health and dental care such as:

Articles and videos on helpful topics like dental issues and treatments, the link between oral health and overall health, and more
Tools that support decision-making, like Health Risk Assessments (HRA) and treatment plan checklists
Benefits education to compare different dental plan types and understand how they work

The information and tools available are reviewed by experts to ensure they include the most current and researched guidance on any topic. Our MetLife Dental Advisory Council reviews and selects resources from trusted, industry experts — like the American Dental Association. The council is made up of respected academic and practicing dentists, so you can count on the details being right.

All active regular full-time, regular part-time and retiree supplemental employees of International Business Machines Corporation, or those subsidiaries of IBM authorized to participate in the plans, regularly assigned in the United States of America, its territories and possessions and the Commonwealth of Puerto Rico, and their dependents (spouse/domestic partner and children), are eligible for the Dental Insurance options for Active Employees. This includes long-term supplemental employees.

Spouse and domestic partner are defined as follows:

Your spouse (same or opposite sex), if the marriage met the laws of the jurisdiction in which it was entered into.
Your domestic partner (same or opposite sex), if the marriage met the laws of the jurisdiction in which it was entered into.
Your common-law spouse may be eligible in certain circumstances. To meet the eligibility criteria to add a common-law spouse to your health coverage, you must:
- Reside in a state that recognizes common-law marriage
- Openly represent yourselves as husband and wife to government and tax authorities as well as to your relatives, friends, neighbors, coworkers and acquaintances with whom you associate. It is expected that you file your income taxes as “married”
- Change your status to “married” at IBM and ensure that your IRS form W-4 reflects “married”
- Not be legally married to another person

A child can be covered only up until age 26. A child includes your biological children, stepchildren, adopted children, and any child who resides with and is fully supported by you. Children who are disabled and were enrolled in dental coverage under the IBM Medical and Dental Benefits Plan for Regular Full-time and Regular Part-time Employees prior to attaining age 26 are eligible to retain coverage after they attain age 26. Disabled means incapable of self-sustaining employment because of mental or physical handicap.

Insurance for a disabled child may be continued past the age limit if the child is incapable of self-sustaining employment because of a mental or physical handicap, as defined by applicable law, and can be continued as long as the child:

Remains incapable of self-sustaining employment because of a mental or physical handicap; and
Continues to qualify as a Child, except for the age limit.

IBMers may be able to continue your dependent’s group insurance coverage due to disability. To begin the process, please contact your medical carrier to submit the required documentation

The IBM Dental basic option provides coverage for preventive, diagnostic and basic restorative care, up to $500 per covered person per year.

The chart below shows what you pay for covered services under the IBM Dental Basic option.
Note: Frequency and treatment limits may apply, and the most common care procedures are listed in each category, other procedures may be covered. Also, some procedures have varying levels of treatment. Contact MetLife for more details.

	In-Network	Out-of-Network
Annual Deductibles/Benefit Maximums
Annual deductible	None	None
Annual benefit maximum	$500 per person, in- and out-of-network combined
Lifetime benefit maximum	None	None
Orthodontia lifetime benefit maximum	Not covered	Not covered
Preventive Care
Routine exams, cleanings, X-rays, fluoride treatment	Reimbursed at 100% of negotiated fee for all eligible charges.	You pay 0% of the usual and prevailing (U&P) rate, plus any amount over the U&P rate for all eligible charges.
Minor Restorative Care
Amalgam fillings, composite fillings	You pay 20% of the negotiated fee for all eligible charges.	You pay 20% of the U&P rate, plus any amount over the U&P rate for all eligible charges.
Major Restorative Care
Root canal therapy; gingivectomy; periodontic, scaling and root planing; crowns and bridges; dentures; extractions	Not covered	Not covered
Orthodontia
Orthodontia treatment	Not covered	Not covered

Explore More Plan Details

The IBM Dental Plus option offers an enhanced benefit, covering preventive, diagnostic, basic restorative and major restorative services, up to $2,500 per covered person per year, as well as orthodontia care, limited to a lifetime maximum of $2,500 per covered person.

The chart below shows what you pay for covered services under the IBM Dental Plus option.
Note: Frequency and treatment limits may apply and the most common care procedures are listed in each category, other procedures may be covered. Also, some procedures have varying levels of treatment. Contact MetLife for more details.

	In-Network	Out-of-Network
Annual Deductibles/Benefit Maximums
Annual deductible	None	None
Annual benefit maximum	$2,500 per person, in- and out-of-network combined
Lifetime benefit maximum	None	None
Orthodontia lifetime benefit maximum	$2,500 per person, in- and out-of-network combined
Preventive Care
Routine exams, cleanings, X-rays, fluoride treatment	Reimbursed at 100% of negotiated fee for all eligible charges.	You pay 0% of the usual and prevailing (U&P) rate, plus any amount over the U&P rate for all eligible charges.
Minor Restorative Care
Amalgam fillings, composite fillings	You pay 20% of the negotiated fee for all eligible charges.	You pay 20% of the U&P rate, plus any amount over the U&P rate for all eligible charges.
Major Restorative Care
Root canal therapy; gingivectomy; periodontic, scaling and root planing; crowns and bridges; dentures; extractions	You pay 35% of the negotiated fee for all eligible charges.	You pay 35% of the U&P rate, plus any amount over the U&P rate for all eligible charges.
Orthodontia
Orthodontia treatment	You pay 50% of the negotiated fee, plus 100% of any amount that exceeds the lifetime maximum.	You pay 50% of the billed fee, plus 100% of any amount that exceeds the lifetime maximum.

Explore More Plan Details

Yes. You are always free to select the dentist of your choice. However, if you choose a non-participating dentist, your out-of-pocket costs may be higher.

Yes. If your current dentist does not participate in the network and you would like to encourage him or her to apply, ask your dentist to visit metdental.com, or call 1-866-PDP-NTWK for an application.⁵ The website and phone number are for use by dental professionals only.

Think about this: Having a good dental plan in place can help you save money every year.⁶ You also get protection against costly emergency dental treatments that may run into the hundreds or even thousands of dollars. In-network dentists have agreed to accept negotiated fees as payment in full for covered services, subject to any deductibles, copayments, cost sharing and benefits maximums. Negotiated fees typically range from 35–50% below the average fees charged in a dentist’s community for similar services.² Non-participating dentists have not agreed to accept negotiated fees.

Premiums will be conveniently paid through payroll deduction for those on active payroll. So you don’t have to worry about writing a check or missing a payment. If you are not on active payroll or are a Retiree Supplemental employee, you will be direct billed for your Dental premiums.

Retirees who are not Medicare-eligible, their eligible dependents, non-Medicare-eligible dependents of Medicare-eligible retirees or participants in the Personal Benefits Program section of the Retiree Summary Plan Description (SPD) are eligible to enroll in dental coverage under the Plan.

If you and your eligible family members are living outside of the U.S. and Puerto Rico, you will be eligible for dental benefits reimbursement for eligible services but at the out-of-network level only since there are no network providers outside of the U.S. and Puerto Rico.

Note that once you (and/or your eligible dependent(s)) reach age 65 or become eligible for Medicare, you will no longer be eligible for dental coverage under the Plan.

If You Retired from IBM On or Before December 31, 2004
You may only enroll those dependents in your IBM medical, dental and/or vision coverage who met eligibility guidelines as of December 31, 2004. Any new dependents — such as those you gain through marriage/domestic partnership, birth or adoption — after December 31, 2004, are not eligible to enroll in your IBM medical, dental and/or vision coverage.

If you have a dependent who met eligibility requirements as of December 31, 2004, but who is not currently enrolled in an IBM medical, dental and/or vision option, that individual may enroll for coverage under the Plan as long as he or she continues to meet dependent eligibility guidelines.

If You Retired from IBM On or After January 1, 2005
You may enroll only those dependents in your IBM medical, dental and/or vision coverage who meet dependent eligibility guidelines as of your retirement date. You may not enroll dependents you gain after your retirement date — for example, a new spouse/domestic partner or a dependent child acquired by birth, adoption or marriage.

Spouse and domestic partner are defined as follows:

Your spouse (same or opposite sex), if the marriage met the laws of the jurisdiction in which it was entered into.
Your domestic partner (same or opposite sex), if the marriage met the laws of the jurisdiction in which it was entered into.
Your common-law spouse may be eligible in certain circumstances. To meet the eligibility criteria to add a common-law spouse to your health coverage, you must:
- Reside in a state that recognizes common-law marriage
- Openly represent yourselves as husband and wife to government and tax authorities as well as to your relatives, friends, neighbors, coworkers and acquaintances with whom you associate. It is expected that you file your income taxes as “married”
- Change your status to “married” at IBM and ensure that your IRS form W-4 reflects “married”
- Not be legally married to another person

A child can be covered only up until age 19, unless they are a full-time student and then can be covered until age 23. A child includes your biological children, stepchildren, adopted children, and any child who resides with and is fully supported by you. Children who are disabled and were enrolled in dental coverage under the IBM Medical and Dental Benefits Plan for Regular Full-time and Regular Part-time Employees prior to attaining age 19 are eligible to retain coverage after they attain age 19. Disabled means incapable of self-sustaining employment because of mental or physical handicap.

Remains incapable of self-sustaining employment because of a mental or physical handicap; and
Continues to qualify as a Child, except for the age limit.

The Application for Coverage of Disabled Dependent Child Under IBM Health Benefit Plans form must be completed and sent to the IBM Benefits Center – Provided by Fidelity 60 days before the date the child attains age 19. It is your responsibility to notify the IBM Benefits Center – Provided by Fidelity of any changes to the child’s eligibility for coverage.

The IBM Dental Basic option provides coverage for preventive, diagnostic and basic restorative care, up to $500 per covered person per year.

The chart below shows what you pay for covered services under the IBM Dental Basic option.
Note: Frequency and treatment limits may apply and only the most common care procedures are listed in each category, other procedures may be covered. Also, some procedures have varying levels of treatment. Contact MetLife for more details.

	In-Network	Out-of-Network
Annual Deductibles/Benefit Maximums
Annual deductible	None	None
Annual benefit maximum	$500 per person, in- and out-of-network combined
Lifetime benefit maximum	None	None
Orthodontia lifetime benefit maximum	Not covered	Not covered
Preventive care
Routine exams, cleanings, X-rays, fluoride treatment	Reimbursed at 100% of negotiated fee for all eligible charges.	You pay 0% of the usual and prevailing (U&P) rate, plus any amount over the U&P rate for all eligible charges.
Minor Restorative Care
Amalgam fillings, composite fillings	You pay 20% of the negotiated fee for all eligible charges.	You pay 20% of the U&P rate, plus any amount over the U&P rate for all eligible charges.
Major Restorative Care
Root canal therapy; gingivectomy; periodontic, scaling and root planing; crowns and bridges; dentures; extractions	Not covered	Not covered
Orthodontia
Orthodontia treatment	Not covered	Not covered

Explore More Plan Details

The IBM Dental Plus option offers an enhanced benefit, covering preventive, diagnostic, basic restorative and major restorative services up to $2,000 per covered person per year, and orthodontia care, limited to a lifetime maximum of $2,500 per covered person.

The chart below shows what you pay for covered services under the IBM Dental Plus option.
Note: Frequency and treatment limits may apply and only the most common care procedures are listed in each category, other procedures may be covered. Also, some procedures have varying levels of treatment. Contact MetLife for more details.

	In-Network	Out-of-Network
Annual Deductibles/Benefit Maximums
Annual deductible	None	None
Annual benefit maximum	$2,000 per person, in- and out-of-network combined
Lifetime benefit maximum	None	None
Orthodontia lifetime benefit maximum	$2,500 per person, in- and out-of-network combined
Preventive care
Routine exams, cleanings, X-rays, fluoride treatment	Reimbursed at 100% of negotiated fee for all eligible charges.	You pay 0% of the usual and prevailing (U&P) rate, plus any amount over the U&P rate for all eligible charges.
Minor Restorative Care
Amalgam fillings, composite fillings	You pay 20% of the negotiated fee for all eligible charges.	You pay 20% of the U&P rate, plus any amount over the U&P rate for all eligible charges.
Major Restorative Care
Root canal therapy; gingivectomy; periodontic, scaling and root planing; crowns and bridges; dentures; extractions	You pay 35% of the negotiated fee for all eligible charges.	You pay 35% of the U&P rate, plus any amount over the U&P rate for all eligible charges.
Orthodontia
Orthodontia treatment	You pay 50% of the negotiated fee, plus 100% of any amount that exceeds the lifetime maximum.	You pay 50% of the billed fee, plus 100% of any amount that exceeds the lifetime maximum.

Explore More Plan Details

Yes. You are always free to select the dentist of your choice. However, if you choose a non-participating dentist, your out-of-pocket costs may be higher.

Think about this: Having a good dental plan in place can help you save money every year.⁵ You also get protection against costly emergency dental treatments that may run into the hundreds or even thousands of dollars. In-network dentists have agreed to accept negotiated fees as payment in full for covered services. Negotiated fees typically range from 30–45% below the average fees charged in a dentist’s community for similar services.² Non-participating dentists have not agreed to accept negotiated fees.

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Apple employees now have access to valuable legal coverage through MetLife Legal Plans. You can choose between a Base Plan (which covers you and your dependents) and Plus Parents Plan (covering you, your dependents, and up to 8 parents or grandparents).

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	2025	2026
California VDI/PFL MetLife Private Plan State Program (SDI) State Program (PFL)	2025	2026
Taxable wage base (cap)	Not applicable	Not applicable
State Average Weekly Wage	$1,704	Effective 1/1/26: $1,789
Minimum Wage	Not applicable	Not applicable
Maximum Annual Employee Contributions*	1.2% of an employee’s wages	Effective 1/1/26: 1.3% of an employee’s wages
Maximum Weekly Benefit Payment	$1,681	Effective 1/1/26: $1,765
Other (leave reason, duration, etc.)	The 2025 wage replacement calculation is: 1) 70% of regular wages up to the maximum weekly benefit amount or 2) 90% of regular wages up to the maximum weekly benefit amount for individuals making less than 70% of the state average quarterly wage. Effective 1/1/2025, an employer can no longer require an employee to take up to two weeks of earned but unused vacation time before receiving CA PFL benefits.	None
Colorado PFML MetLife Private Plan State Program	2025	2026
Taxable wage base (cap)	$176,100	Effective 1/1/26: $184,500
State Average Weekly Wage	$1,534.94	$1,608.91 effective July 1, 2026 to June 30, 2027
Minimum Wage	Not applicable	Not applicable
Maximum Annual Employee Contributions*	0.45% of an employee's wages, or $792.45	Effective 1/1/26: 0.44% of an employee's wages, or $811.80
Maximum Weekly Benefit Payment	$1,381.45	$1,448.02 effective 7/1/2026.
Other (leave reason, duration, etc.)	Not applicable	Effective 1/1/26: CO PFML law will include an additional twelve weeks for a child receiving inpatient care in a neonatal intensive care unit or for the duration the child is receiving care in the neonatal intensive care unit.
Connecticut PFML MetLife Private Plan State Program	2025	2026
Taxable wage base (cap)	$176,100	Effective 1/1/26: $184,500
State Average Weekly Wage	Not applicable	Not applicable
Minimum Wage	$16.35 per hour	Effective 1/1/26: $16.94 per hour
Maximum Annual Employee Contributions*	0.50% of an employee’s wages, or $880.50	Effective 1/1/26: 0.50% of an employee’s wages, or $922.50
Maximum Weekly Benefit Payment	$981.00, or 60 times the state minimum wage	Effective 1/1/26: $1,016.40, or 60 times the state minimum wage
Other (leave reason, duration, etc.)	Not applicable	Not applicable
Delaware PFML MetLife Private Plan State Program	2025	2026
Taxable wage base (cap)	$176,100	$184,500
State Average Weekly Wage	Not applicable	Not applicable
Minimum Wage	Not applicable	Not applicable
Maximum Annual Employee Contributions*	Not applicable	0.4% of an employee’s wages, or $738
Maximum Weekly Benefit Payment	Not applicable	80% of employees’ wages, up to a maximum of $900
Other (leave reason, duration, etc.)	Not applicable	Not applicable
Hawaii TDI MetLife Private Plan State Program	2025	2026
Taxable wage base (cap)	$1,441.72 per week	$1,500.21 per week
State Average Weekly Wage	$1,191.50	$1,239.84
Minimum Wage	Not applicable	Not applicable
Maximum Annual Employee Contributions*	50% of MetLife premium, but no more than 0.5% of an employee’s weekly wages up to $7.21 per week, or $374.92 per year	Effective 1/1/26: 50% of MetLife premium, but no more than 0.5% of an employee’s weekly wages up to $7.50 per week, or $390 per year
Maximum Weekly Benefit Payment	$837	Effective 1/1/26: $871
Other (leave reason, duration, etc.)	Not applicable	Not applicable
Maine PFML MetLife Private Plan State Program	2025	2026
Taxable wage base (cap)	Effective 5/1/26: $184,500	To be announced July, 2026
State Average Weekly Wage	Effective 5/1/26: $1,198.84	Effective 7/1/26: $1,249.12
Minimum Wage	N/A	N/A
Maximum Annual Employee Contributions*	N/A	$922.50
Maximum Weekly Benefit Payment	N/A	$1198.84
Massachusetts PFML MetLife Private Plan State Program	2025	2026
Taxable wage base (cap)	$176,100	Effective 1/1/26: $184,500
State Average Weekly Wage	$1,829.13	Effective 1/1/26: $1,922.48
Minimum Wage	Not applicable	Not applicable
Maximum Annual Employee Contributions*	0.18% (PFL) and 0.28% (PML) of an employee’s wages, or $810.06	Effective 1/1/26: 0.18% (PFL) and 0.28% (PML) of an employee’s wages, or $848.70
Maximum Weekly Benefit Payment	$1,170.64	Effective 1/1/26: $1,230.39
Other (leave reason, duration, etc.)	Not applicable	Not applicable
Minnesota PFML MetLife Equivalent Plan State Program	2025	2026
Taxable wage base (cap)	Not applicable	Effective 1/1/26: $185,000 (Social Security taxable maximum, rounded up to the nearest thousand)
State Average Weekly Wage	Not applicable	Effective 1/1/26: $1,423
Minimum Wage	Not applicable	Not applicable
Maximum Annual Employee Contributions*	Not applicable	0.44% of an employee's wages, or $814
Maximum Weekly Benefit Payment	Not applicable	Effective 1/1/26: $1,423
Other (leave reason, duration, etc.)	Not applicable	Not applicable
New Hampshire PFML MetLife Equivalent Plan State Program	2025	2026
Taxable wage base (cap)	$176,100	Effective 1/1/26: $184,500
State Average Weekly Wage	$1,704	Effective 1/1/26: $1,922.48
Minimum Wage	Not applicable	Not applicable
Maximum Annual Employee Contributions*	A % of an employee’s wages and varies by employer’s plan	A % of an employee’s wages and varies by employer’s plan
Maximum Weekly Benefit Payment	$2,031.92	Effective 1/1/26: $2,128.85
Other (leave reason, duration, etc.)	Not applicable	Not applicable
New Jersey TDI/FLI MetLife Equivalent Plan State Program	2025	2026
Taxable wage base (cap)	$165,400	Effective 1/1/26: $171,100
State Average Weekly Wage	$1,545.60	Effective 1/1/26: $1,598.66
Minimum Wage	$15.49	Effective 1/1/26: $15.92, or $310 per week/ $15,500 per year
Maximum Annual Employee Contributions*	TDI: 0.23% of the employee’s taxable wages, or $380.42 FLI: 0.33% of the employee’s taxable wages, or $545.82	Effective 1/1/26: TDI: 0.19% of the employee’s taxable wages, or $325.09 FLI: 0.23% of the employee’s taxable wages, or $393.53
Maximum Weekly Benefit Payment	$1,081	Effective 1/1/26: $1,119
Other (leave reason, duration, etc.)	Not applicable	Not applicable
New York DBL/PFL MetLife Private Plan State Program (DBL) State Program (PBL)	2025	2026
Taxable wage base (cap)	$91,373.88	Effective 1/1/26: $95,348.76
State Average Weekly Wage	$1,757.19	Effective 1/1/26: $1,833.63
Minimum Wage	Not applicable	Not applicable
Maximum Annual Employee Contributions*	DBL: 0.50% of an employee’s wages, or $31.20 PFL: 0.388% of an employee’s wages, or $354.53	DBL: 50% of an employee’s wages to the annual cap of $31.20 and up to a cap of $0.60 weekly. Effective 1/1/26: PFL: 0.432% to the annual cap of $411.91
Maximum Weekly Benefit Payment	DBL: $170 PFL: $1,177.32	DBL: $170 Effective 1/1/26: PFL: $1,228.53
Other (leave reason, duration, etc.)	Not applicable	Coming soon: NY PFL benefits will be extended to construction workers who work for multiple employers pursuant to a collective bargaining agreement and have been employed for at least 26 of the last 39 weeks by any covered employer who is a signatory to a collective bargaining agreement.
Oregon PFML MetLife Equivalent Plan State Program	2025	2026
Taxable wage base (cap)	$176,100	Effective 1/1/26: $184,500
State Average Weekly Wage	$1,363.80	$1,410.13, effective 6/28/26 through June 2027
Minimum Wage	Not applicable	Not applicable
Maximum Annual Employee Contributions*	0.6% of an employee's wages, or $1,056.60	Effective 1/1/26: 0.6% of an employee's wages, or $1,107
Maximum Weekly Benefit Payment	$1,636.56	$1,692.16 effective 6/28/26
Other (leave reason, duration, etc.)	Additional Paid Family Leave Reason for 2025: An employee may apply for OR PFML benefits for activities or responsibilities associated with the legal process required for foster child placement or child adoption.	Not applicable
Puerto Rico SINOT MetLife Private Plan Puerto Rico Program	2025	2026
Taxable wage base (cap)	Not applicable	Not applicable
State Average Weekly Wage	Not applicable	Not applicable
Minimum Wage	Not applicable	Not applicable
Maximum Annual Employee Contributions*	0.3% of an employee’s first $9,000 in wages, or $27	0.3% of an employee’s first $9,000 in wages, or $27
Maximum Weekly Benefit Payment	$113.00 ($55.00 for agricultural workers)	$113.00 ($55.00 for agricultural workers)
Other (leave reason, duration, etc.)	Not applicable	Not applicable
Washington PFML MetLife Voluntary Plan State Program	2025	2026
Taxable wage base (cap)	$176,100	Effective 1/1/26: $184,500
State Average Weekly Wage	$1,714	Effective 1/1/26: $1,830
Minimum Wage	Not applicable	Not applicable
Maximum Annual Employee Contributions*	71.52% of state rate (0.92% of an employee’s wages) or $1,158.71	Effective 1/1/26: 71.43% of state rate (1.13% of an employee's wages) or $1,489.21
Maximum Weekly Benefit Payment	$1,542	Effective 1/1/26: $1,647
Other (leave reason, duration, etc.)	Claim Duration - Leave can be taken all at once, intermittently, or on a reduced leave schedule. An employee may need to provide proof of the need for an intermittent leave. Employees must take a minimum of 8 consecutive hours of leave per week. Job Protection - May apply if an employee works for a company that employs at least 50 people in Washington, has worked for the company for at least a year, and has completed at least 1,250 hours worked.	Claim Duration - Effective 1/1/26, leave can be taken all at once, intermittently, or on a reduced leave schedule. An employee may need to provide proof of the need for an intermittent leave. Employees must take a minimum of 4 consecutive hours of leave per week. Job Protection - Effective 1/1/26, most employers in Washington with 25 or more workers will need to provide job protection to eligible employees taking leave for WA PFML. Job protection eligibility will be reduced from 12 months to 6 months (180 calendar days) and the minimum hours worked requirement will be removed. Additionally, WA voluntary plan job protection requirements will now be the same as the state-run program. Please review the state's website for additional information about other legislative changes due to House Bill 1213.

	2025	2026
California VDI/PFL MetLife Private Plan State Program (SDI) State Program (PFL)	2025	2026
Taxable wage base (cap)	Not applicable	Not applicable
State Average Weekly Wage	$1,704	Effective 1/1/26: $1,789
Minimum Wage	Not applicable	Not applicable
Maximum Annual Employee Contributions*	1.2% of an employee’s wages	Effective 1/1/26: 1.3% of an employee’s wages
Maximum Weekly Benefit Payment	$1,681	Effective 1/1/26: $1,765
Other (leave reason, duration, etc.)	The 2025 wage replacement calculation is: 1) 70% of regular wages up to the maximum weekly benefit amount or 2) 90% of regular wages up to the maximum weekly benefit amount for individuals making less than 70% of the state average quarterly wage. Effective 1/1/2025, an employer can no longer require an employee to take up to two weeks of earned but unused vacation time before receiving CA PFL benefits.	None
Colorado PFML MetLife Private Plan State Program	2025	2026
Taxable wage base (cap)	$176,100	Effective 1/1/26: $184,500
State Average Weekly Wage	$1,534.94	$1,608.91 effective July 1, 2026 to June 30, 2027
Minimum Wage	Not applicable	Not applicable
Maximum Annual Employee Contributions*	0.45% of an employee's wages, or $792.45	Effective 1/1/26: 0.44% of an employee's wages, or $811.80
Maximum Weekly Benefit Payment	$1,381.45	$1,448.02 effective 7/1/2026.
Other (leave reason, duration, etc.)	Not applicable	Effective 1/1/26: CO PFML law will include an additional twelve weeks for a child receiving inpatient care in a neonatal intensive care unit or for the duration the child is receiving care in the neonatal intensive care unit.
Connecticut PFML MetLife Private Plan State Program	2025	2026
Taxable wage base (cap)	$176,100	Effective 1/1/26: $184,500
State Average Weekly Wage	Not applicable	Not applicable
Minimum Wage	$16.35 per hour	Effective 1/1/26: $16.94 per hour
Maximum Annual Employee Contributions*	0.50% of an employee’s wages, or $880.50	Effective 1/1/26: 0.50% of an employee’s wages, or $922.50
Maximum Weekly Benefit Payment	$981.00, or 60 times the state minimum wage	Effective 1/1/26: $1,016.40, or 60 times the state minimum wage
Other (leave reason, duration, etc.)	Not applicable	Not applicable
Delaware PFML MetLife Private Plan State Program	2025	2026
Taxable wage base (cap)	$176,100	$184,500
State Average Weekly Wage	Not applicable	Not applicable
Minimum Wage	Not applicable	Not applicable
Maximum Annual Employee Contributions*	Not applicable	0.4% of an employee’s wages, or $738
Maximum Weekly Benefit Payment	Not applicable	80% of employees’ wages, up to a maximum of $900
Other (leave reason, duration, etc.)	Not applicable	Not applicable
Hawaii TDI MetLife Private Plan State Program	2025	2026
Taxable wage base (cap)	$1,441.72 per week	$1,500.21 per week
State Average Weekly Wage	$1,191.50	$1,239.84
Minimum Wage	Not applicable	Not applicable
Maximum Annual Employee Contributions*	50% of MetLife premium, but no more than 0.5% of an employee’s weekly wages up to $7.21 per week, or $374.92 per year	Effective 1/1/26: 50% of MetLife premium, but no more than 0.5% of an employee’s weekly wages up to $7.50 per week, or $390 per year
Maximum Weekly Benefit Payment	$837	Effective 1/1/26: $871
Other (leave reason, duration, etc.)	Not applicable	Not applicable
Maine PFML MetLife Private Plan State Program	2025	2026
Taxable wage base (cap)	Effective 5/1/26: $184,500	To be announced July, 2026
State Average Weekly Wage	Effective 5/1/26: $1,198.84	Effective 7/1/26: $1,249.12
Minimum Wage	N/A	N/A
Maximum Annual Employee Contributions*	N/A	$922.50
Maximum Weekly Benefit Payment	N/A	$1198.84
Massachusetts PFML MetLife Private Plan State Program	2025	2026
Taxable wage base (cap)	$176,100	Effective 1/1/26: $184,500
State Average Weekly Wage	$1,829.13	Effective 1/1/26: $1,922.48
Minimum Wage	Not applicable	Not applicable
Maximum Annual Employee Contributions*	0.18% (PFL) and 0.28% (PML) of an employee’s wages, or $810.06	Effective 1/1/26: 0.18% (PFL) and 0.28% (PML) of an employee’s wages, or $848.70
Maximum Weekly Benefit Payment	$1,170.64	Effective 1/1/26: $1,230.39
Other (leave reason, duration, etc.)	Not applicable	Not applicable
Minnesota PFML MetLife Equivalent Plan State Program	2025	2026
Taxable wage base (cap)	Not applicable	Effective 1/1/26: $185,000 (Social Security taxable maximum, rounded up to the nearest thousand)
State Average Weekly Wage	Not applicable	Effective 1/1/26: $1,423
Minimum Wage	Not applicable	Not applicable
Maximum Annual Employee Contributions*	Not applicable	0.44% of an employee's wages, or $814
Maximum Weekly Benefit Payment	Not applicable	Effective 1/1/26: $1,423
Other (leave reason, duration, etc.)	Not applicable	Not applicable
New Hampshire PFML MetLife Equivalent Plan State Program	2025	2026
Taxable wage base (cap)	$176,100	Effective 1/1/26: $184,500
State Average Weekly Wage	$1,704	Effective 1/1/26: $1,922.48
Minimum Wage	Not applicable	Not applicable
Maximum Annual Employee Contributions*	A % of an employee’s wages and varies by employer’s plan	A % of an employee’s wages and varies by employer’s plan
Maximum Weekly Benefit Payment	$2,031.92	Effective 1/1/26: $2,128.85
Other (leave reason, duration, etc.)	Not applicable	Not applicable
New Jersey TDI/FLI MetLife Equivalent Plan State Program	2025	2026
Taxable wage base (cap)	$165,400	Effective 1/1/26: $171,100
State Average Weekly Wage	$1,545.60	Effective 1/1/26: $1,598.66
Minimum Wage	$15.49	Effective 1/1/26: $15.92, or $310 per week/ $15,500 per year
Maximum Annual Employee Contributions*	TDI: 0.23% of the employee’s taxable wages, or $380.42 FLI: 0.33% of the employee’s taxable wages, or $545.82	Effective 1/1/26: TDI: 0.19% of the employee’s taxable wages, or $325.09 FLI: 0.23% of the employee’s taxable wages, or $393.53
Maximum Weekly Benefit Payment	$1,081	Effective 1/1/26: $1,119
Other (leave reason, duration, etc.)	Not applicable	Not applicable
New York DBL/PFL MetLife Private Plan State Program (DBL) State Program (PBL)	2025	2026
Taxable wage base (cap)	$91,373.88	Effective 1/1/26: $95,348.76
State Average Weekly Wage	$1,757.19	Effective 1/1/26: $1,833.63
Minimum Wage	Not applicable	Not applicable
Maximum Annual Employee Contributions*	DBL: 0.50% of an employee’s wages, or $31.20 PFL: 0.388% of an employee’s wages, or $354.53	DBL: 50% of an employee’s wages to the annual cap of $31.20 and up to a cap of $0.60 weekly. Effective 1/1/26: PFL: 0.432% to the annual cap of $411.91
Maximum Weekly Benefit Payment	DBL: $170 PFL: $1,177.32	DBL: $170 Effective 1/1/26: PFL: $1,228.53
Other (leave reason, duration, etc.)	Not applicable	Coming soon: NY PFL benefits will be extended to construction workers who work for multiple employers pursuant to a collective bargaining agreement and have been employed for at least 26 of the last 39 weeks by any covered employer who is a signatory to a collective bargaining agreement.
Oregon PFML MetLife Equivalent Plan State Program	2025	2026
Taxable wage base (cap)	$176,100	Effective 1/1/26: $184,500
State Average Weekly Wage	$1,363.80	$1,410.13, effective 6/28/26 through June 2027
Minimum Wage	Not applicable	Not applicable
Maximum Annual Employee Contributions*	0.6% of an employee's wages, or $1,056.60	Effective 1/1/26: 0.6% of an employee's wages, or $1,107
Maximum Weekly Benefit Payment	$1,636.56	$1,692.16 effective 6/28/26
Other (leave reason, duration, etc.)	Additional Paid Family Leave Reason for 2025: An employee may apply for OR PFML benefits for activities or responsibilities associated with the legal process required for foster child placement or child adoption.	Not applicable
Puerto Rico SINOT MetLife Private Plan Puerto Rico Program	2025	2026
Taxable wage base (cap)	Not applicable	Not applicable
State Average Weekly Wage	Not applicable	Not applicable
Minimum Wage	Not applicable	Not applicable
Maximum Annual Employee Contributions*	0.3% of an employee’s first $9,000 in wages, or $27	0.3% of an employee’s first $9,000 in wages, or $27
Maximum Weekly Benefit Payment	$113.00 ($55.00 for agricultural workers)	$113.00 ($55.00 for agricultural workers)
Other (leave reason, duration, etc.)	Not applicable	Not applicable
Washington PFML MetLife Voluntary Plan State Program	2025	2026
Taxable wage base (cap)	$176,100	Effective 1/1/26: $184,500
State Average Weekly Wage	$1,714	Effective 1/1/26: $1,830
Minimum Wage	Not applicable	Not applicable
Maximum Annual Employee Contributions*	71.52% of state rate (0.92% of an employee’s wages) or $1,158.71	Effective 1/1/26: 71.43% of state rate (1.13% of an employee's wages) or $1,489.21
Maximum Weekly Benefit Payment	$1,542	Effective 1/1/26: $1,647
Other (leave reason, duration, etc.)	Claim Duration - Leave can be taken all at once, intermittently, or on a reduced leave schedule. An employee may need to provide proof of the need for an intermittent leave. Employees must take a minimum of 8 consecutive hours of leave per week. Job Protection - May apply if an employee works for a company that employs at least 50 people in Washington, has worked for the company for at least a year, and has completed at least 1,250 hours worked.	Claim Duration - Effective 1/1/26, leave can be taken all at once, intermittently, or on a reduced leave schedule. An employee may need to provide proof of the need for an intermittent leave. Employees must take a minimum of 4 consecutive hours of leave per week. Job Protection - Effective 1/1/26, most employers in Washington with 25 or more workers will need to provide job protection to eligible employees taking leave for WA PFML. Job protection eligibility will be reduced from 12 months to 6 months (180 calendar days) and the minimum hours worked requirement will be removed. Additionally, WA voluntary plan job protection requirements will now be the same as the state-run program. Please review the state's website for additional information about other legislative changes due to House Bill 1213.

	2025	2026
California VDI/PFL MetLife Private Plan State Program (SDI) State Program (PFL)	2025	2026
Taxable wage base (cap)	Not applicable	Not applicable
State Average Weekly Wage	$1,704	Effective 1/1/26: $1,789
Minimum Wage	Not applicable	Not applicable
Maximum Annual Employee Contributions*	1.2% of an employee’s wages	Effective 1/1/26: 1.3% of an employee’s wages
Maximum Weekly Benefit Payment	$1,681	Effective 1/1/26: $1,765
Other (leave reason, duration, etc.)	The 2025 wage replacement calculation is: 1) 70% of regular wages up to the maximum weekly benefit amount or 2) 90% of regular wages up to the maximum weekly benefit amount for individuals making less than 70% of the state average quarterly wage. Effective 1/1/2025, an employer can no longer require an employee to take up to two weeks of earned but unused vacation time before receiving CA PFL benefits.	None
Colorado PFML MetLife Private Plan State Program	2025	2026
Taxable wage base (cap)	$176,100	Effective 1/1/26: $184,500
State Average Weekly Wage	$1,534.94	$1,608.91 effective July 1, 2026 to June 30, 2027
Minimum Wage	Not applicable	Not applicable
Maximum Annual Employee Contributions*	0.45% of an employee's wages, or $792.45	Effective 1/1/26: 0.44% of an employee's wages, or $811.80
Maximum Weekly Benefit Payment	$1,381.45	$1,448.02 effective 7/1/2026.
Other (leave reason, duration, etc.)	Not applicable	Effective 1/1/26: CO PFML law will include an additional twelve weeks for a child receiving inpatient care in a neonatal intensive care unit or for the duration the child is receiving care in the neonatal intensive care unit.
Connecticut PFML MetLife Private Plan State Program	2025	2026
Taxable wage base (cap)	$176,100	Effective 1/1/26: $184,500
State Average Weekly Wage	Not applicable	Not applicable
Minimum Wage	$16.35 per hour	Effective 1/1/26: $16.94 per hour
Maximum Annual Employee Contributions*	0.50% of an employee’s wages, or $880.50	Effective 1/1/26: 0.50% of an employee’s wages, or $922.50
Maximum Weekly Benefit Payment	$981.00, or 60 times the state minimum wage	Effective 1/1/26: $1,016.40, or 60 times the state minimum wage
Other (leave reason, duration, etc.)	Not applicable	Not applicable
Delaware PFML MetLife Private Plan State Program	2025	2026
Taxable wage base (cap)	$176,100	$184,500
State Average Weekly Wage	Not applicable	Not applicable
Minimum Wage	Not applicable	Not applicable
Maximum Annual Employee Contributions*	Not applicable	0.4% of an employee’s wages, or $738
Maximum Weekly Benefit Payment	Not applicable	80% of employees’ wages, up to a maximum of $900
Other (leave reason, duration, etc.)	Not applicable	Not applicable
Hawaii TDI MetLife Private Plan State Program	2025	2026
Taxable wage base (cap)	$1,441.72 per week	$1,500.21 per week
State Average Weekly Wage	$1,191.50	$1,239.84
Minimum Wage	Not applicable	Not applicable
Maximum Annual Employee Contributions*	50% of MetLife premium, but no more than 0.5% of an employee’s weekly wages up to $7.21 per week, or $374.92 per year	Effective 1/1/26: 50% of MetLife premium, but no more than 0.5% of an employee’s weekly wages up to $7.50 per week, or $390 per year
Maximum Weekly Benefit Payment	$837	Effective 1/1/26: $871
Other (leave reason, duration, etc.)	Not applicable	Not applicable
Maine PFML MetLife Private Plan State Program	2025	2026
Taxable wage base (cap)	Effective 5/1/26: $184,500	To be announced July, 2026
State Average Weekly Wage	Effective 5/1/26: $1,198.84	Effective 7/1/26: $1,249.12
Minimum Wage	N/A	N/A
Maximum Annual Employee Contributions*	N/A	$922.50
Maximum Weekly Benefit Payment	N/A	$1198.84
Massachusetts PFML MetLife Private Plan State Program	2025	2026
Taxable wage base (cap)	$176,100	Effective 1/1/26: $184,500
State Average Weekly Wage	$1,829.13	Effective 1/1/26: $1,922.48
Minimum Wage	Not applicable	Not applicable
Maximum Annual Employee Contributions*	0.18% (PFL) and 0.28% (PML) of an employee’s wages, or $810.06	Effective 1/1/26: 0.18% (PFL) and 0.28% (PML) of an employee’s wages, or $848.70
Maximum Weekly Benefit Payment	$1,170.64	Effective 1/1/26: $1,230.39
Other (leave reason, duration, etc.)	Not applicable	Not applicable
Minnesota PFML MetLife Equivalent Plan State Program	2025	2026
Taxable wage base (cap)	Not applicable	Effective 1/1/26: $185,000 (Social Security taxable maximum, rounded up to the nearest thousand)
State Average Weekly Wage	Not applicable	Effective 1/1/26: $1,423
Minimum Wage	Not applicable	Not applicable
Maximum Annual Employee Contributions*	Not applicable	0.44% of an employee's wages, or $814
Maximum Weekly Benefit Payment	Not applicable	Effective 1/1/26: $1,423
Other (leave reason, duration, etc.)	Not applicable	Not applicable
New Hampshire PFML MetLife Equivalent Plan State Program	2025	2026
Taxable wage base (cap)	$176,100	Effective 1/1/26: $184,500
State Average Weekly Wage	$1,704	Effective 1/1/26: $1,922.48
Minimum Wage	Not applicable	Not applicable
Maximum Annual Employee Contributions*	A % of an employee’s wages and varies by employer’s plan	A % of an employee’s wages and varies by employer’s plan
Maximum Weekly Benefit Payment	$2,031.92	Effective 1/1/26: $2,128.85
Other (leave reason, duration, etc.)	Not applicable	Not applicable
New Jersey TDI/FLI MetLife Equivalent Plan State Program	2025	2026
Taxable wage base (cap)	$165,400	Effective 1/1/26: $171,100
State Average Weekly Wage	$1,545.60	Effective 1/1/26: $1,598.66
Minimum Wage	$15.49	Effective 1/1/26: $15.92, or $310 per week/ $15,500 per year
Maximum Annual Employee Contributions*	TDI: 0.23% of the employee’s taxable wages, or $380.42 FLI: 0.33% of the employee’s taxable wages, or $545.82	Effective 1/1/26: TDI: 0.19% of the employee’s taxable wages, or $325.09 FLI: 0.23% of the employee’s taxable wages, or $393.53
Maximum Weekly Benefit Payment	$1,081	Effective 1/1/26: $1,119
Other (leave reason, duration, etc.)	Not applicable	Not applicable
New York DBL/PFL MetLife Private Plan State Program (DBL) State Program (PBL)	2025	2026
Taxable wage base (cap)	$91,373.88	Effective 1/1/26: $95,348.76
State Average Weekly Wage	$1,757.19	Effective 1/1/26: $1,833.63
Minimum Wage	Not applicable	Not applicable
Maximum Annual Employee Contributions*	DBL: 0.50% of an employee’s wages, or $31.20 PFL: 0.388% of an employee’s wages, or $354.53	DBL: 50% of an employee’s wages to the annual cap of $31.20 and up to a cap of $0.60 weekly. Effective 1/1/26: PFL: 0.432% to the annual cap of $411.91
Maximum Weekly Benefit Payment	DBL: $170 PFL: $1,177.32	DBL: $170 Effective 1/1/26: PFL: $1,228.53
Other (leave reason, duration, etc.)	Not applicable	Coming soon: NY PFL benefits will be extended to construction workers who work for multiple employers pursuant to a collective bargaining agreement and have been employed for at least 26 of the last 39 weeks by any covered employer who is a signatory to a collective bargaining agreement.
Oregon PFML MetLife Equivalent Plan State Program	2025	2026
Taxable wage base (cap)	$176,100	Effective 1/1/26: $184,500
State Average Weekly Wage	$1,363.80	$1,410.13, effective 6/28/26 through June 2027
Minimum Wage	Not applicable	Not applicable
Maximum Annual Employee Contributions*	0.6% of an employee's wages, or $1,056.60	Effective 1/1/26: 0.6% of an employee's wages, or $1,107
Maximum Weekly Benefit Payment	$1,636.56	$1,692.16 effective 6/28/26
Other (leave reason, duration, etc.)	Additional Paid Family Leave Reason for 2025: An employee may apply for OR PFML benefits for activities or responsibilities associated with the legal process required for foster child placement or child adoption.	Not applicable
Puerto Rico SINOT MetLife Private Plan Puerto Rico Program	2025	2026
Taxable wage base (cap)	Not applicable	Not applicable
State Average Weekly Wage	Not applicable	Not applicable
Minimum Wage	Not applicable	Not applicable
Maximum Annual Employee Contributions*	0.3% of an employee’s first $9,000 in wages, or $27	0.3% of an employee’s first $9,000 in wages, or $27
Maximum Weekly Benefit Payment	$113.00 ($55.00 for agricultural workers)	$113.00 ($55.00 for agricultural workers)
Other (leave reason, duration, etc.)	Not applicable	Not applicable
Washington PFML MetLife Voluntary Plan State Program	2025	2026
Taxable wage base (cap)	$176,100	Effective 1/1/26: $184,500
State Average Weekly Wage	$1,714	Effective 1/1/26: $1,830
Minimum Wage	Not applicable	Not applicable
Maximum Annual Employee Contributions*	71.52% of state rate (0.92% of an employee’s wages) or $1,158.71	Effective 1/1/26: 71.43% of state rate (1.13% of an employee's wages) or $1,489.21
Maximum Weekly Benefit Payment	$1,542	Effective 1/1/26: $1,647
Other (leave reason, duration, etc.)	Claim Duration - Leave can be taken all at once, intermittently, or on a reduced leave schedule. An employee may need to provide proof of the need for an intermittent leave. Employees must take a minimum of 8 consecutive hours of leave per week. Job Protection - May apply if an employee works for a company that employs at least 50 people in Washington, has worked for the company for at least a year, and has completed at least 1,250 hours worked.	Claim Duration - Effective 1/1/26, leave can be taken all at once, intermittently, or on a reduced leave schedule. An employee may need to provide proof of the need for an intermittent leave. Employees must take a minimum of 4 consecutive hours of leave per week. Job Protection - Effective 1/1/26, most employers in Washington with 25 or more workers will need to provide job protection to eligible employees taking leave for WA PFML. Job protection eligibility will be reduced from 12 months to 6 months (180 calendar days) and the minimum hours worked requirement will be removed. Additionally, WA voluntary plan job protection requirements will now be the same as the state-run program. Please review the state's website for additional information about other legislative changes due to House Bill 1213.

View Plan Details

Watch and Learn

Additional Documents

Q2 2025 Private Credit Quarterly Review and Outlook

MetLife Pet’s Plan vs. AKC’s Plan

Download the excel sheet

This table has 3 columns and 20 rows. 1st column represents the product 2nd & 3rd represent MetLife and its competitors. Each row indicates whether the product is covered by MetLife or its competitors
	MetLife Pet Insurance	AKC Pet Insurance
Wellness and Preventative Care	Yes (optional add-on coverage)	Yes (optional add-on coverage)
Prescriptions	Yes	Yes
Holistic/Alternative Therapy	Yes	Yes (exclusions apply)
Dental Care	Yes (optional add-on coverage)	Yes (optional add-on coverage)
24/7 Telehealth Access	Yes²	Yes
Cancer Coverage	Yes	Yes
Euthanasia	Yes	Yes
Cremation	Yes	Yes (optional add-on coverage)
Grief Counseling	Yes³	No
Boarding	Yes	No
Spaying and Neutering	Yes (optional add-on coverage)	Yes (optional add-on coverage)
Family Plan (Multiple Pets on a Single Policy)	Yes⁴	No
Includes All Ages and Breeds	Yes	No
No Per-Incident Limits	Yes	Yes (may choose a basic plan version that includes limits)
Reimbursement	Flexible (50% – 90%)⁵	Flexible (70%, 80%, or 90%)
Average Deductible	Flexible ($0 – $2,500)⁶	Flexible ($100 – $1,000)
0-Day Accident Waiting Period	Yes⁷	No
Illness Waiting Period	14 days ⁷	14 days (exclusions apply)
Deductible Savings	Yes⁸	No
Days to Reimburse	Up to 30 days (80% of claims reimbursed within 10 days)	Up to 30 days (most within 3 days)
Days to Submit Claim	90	180
NerdWallet Rating⁹	5 stars	4.5 stars
NerdWallet Callout⁹	"Customizable plans for dogs, cats and even other animals in some states.”⁹	"AKC offers lots of ways to customize your coverage, but its basic plan lacks benefits many other companies include."⁹

This table has 3 columns and 20 rows. 1st column represents the product 2nd & 3rd represent MetLife and its competitors. Each row indicates whether the product is covered by MetLife or its competitors
	MetLife Pet Insurance	AKC Pet Insurance
Wellness and Preventative Care	Yes (optional add-on coverage)	Yes (optional add-on coverage)
Prescriptions	Yes	Yes
Holistic/Alternative Therapy	Yes	Yes (exclusions apply)
Dental Care	Yes (optional add-on coverage)	Yes (optional add-on coverage)
24/7 Telehealth Access	Yes²	Yes
Cancer Coverage	Yes	Yes
Euthanasia	Yes	Yes
Cremation	Yes	Yes (optional add-on coverage)
Grief Counseling	Yes³	No
Boarding	Yes	No
Spaying and Neutering	Yes (optional add-on coverage)	Yes (optional add-on coverage)
Family Plan (Multiple Pets on a Single Policy)	Yes⁴	No
Includes All Ages and Breeds	Yes	No
No Per-Incident Limits	Yes	Yes (may choose a basic plan version that includes limits)
Reimbursement	Flexible (50% – 90%)⁵	Flexible (70%, 80%, or 90%)
Average Deductible	Flexible ($0 – $2,500)⁶	Flexible ($100 – $1,000)
0-Day Accident Waiting Period	Yes⁷	No
Illness Waiting Period	14 days ⁷	14 days (exclusions apply)
Deductible Savings	Yes⁸	No
Days to Reimburse	Up to 30 days (80% of claims reimbursed within 10 days)	Up to 30 days (most within 3 days)
Days to Submit Claim	90	180
NerdWallet Rating⁹	5 stars	4.5 stars
NerdWallet Callout⁹	"Customizable plans for dogs, cats and even other animals in some states.”⁹	"AKC offers lots of ways to customize your coverage, but its basic plan lacks benefits many other companies include."⁹

This table has 3 columns and 20 rows. 1st column represents the product 2nd & 3rd represent MetLife and its competitors. Each row indicates whether the product is covered by MetLife or its competitors
	MetLife Pet Insurance	AKC Pet Insurance
Wellness and Preventative Care	Yes (optional add-on coverage)	Yes (optional add-on coverage)
Prescriptions	Yes	Yes
Holistic/Alternative Therapy	Yes	Yes (exclusions apply)
Dental Care	Yes (optional add-on coverage)	Yes (optional add-on coverage)
24/7 Telehealth Access	Yes²	Yes
Cancer Coverage	Yes	Yes
Euthanasia	Yes	Yes
Cremation	Yes	Yes (optional add-on coverage)
Grief Counseling	Yes³	No
Boarding	Yes	No
Spaying and Neutering	Yes (optional add-on coverage)	Yes (optional add-on coverage)
Family Plan (Multiple Pets on a Single Policy)	Yes⁴	No
Includes All Ages and Breeds	Yes	No
No Per-Incident Limits	Yes	Yes (may choose a basic plan version that includes limits)
Reimbursement	Flexible (50% – 90%)⁵	Flexible (70%, 80%, or 90%)
Average Deductible	Flexible ($0 – $2,500)⁶	Flexible ($100 – $1,000)
0-Day Accident Waiting Period	Yes⁷	No
Illness Waiting Period	14 days ⁷	14 days (exclusions apply)
Deductible Savings	Yes⁸	No
Days to Reimburse	Up to 30 days (80% of claims reimbursed within 10 days)	Up to 30 days (most within 3 days)
Days to Submit Claim	90	180
NerdWallet Rating⁹	5 stars	4.5 stars
NerdWallet Callout⁹	"Customizable plans for dogs, cats and even other animals in some states.”⁹	"AKC offers lots of ways to customize your coverage, but its basic plan lacks benefits many other companies include."⁹

Currently Pregnant		Decline

Not currently pregnant, with past history of C-section	Cell 1
Not currently pregnant, with past history of C-section	Cell 2

Taking small business to the next level, together

For the last eight years, MetLife and the Chamber of Commerce have published the Small Business Index – one of the most definitive data sets available on small businesses. Released quarterly, it analyzes the trends, expectations, and sentiment shaping their decisions, underscores our commitment to helping them succeed.

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Inflation Remains Top Concern for Small Businesses in 2025

https://metlife.pathfactory.com/sbi-q1-2025-1/inflation-2025?lb-mode=overlay

Key Hiring and Workforce Development Trends in Small Business

https://metlife.pathfactory.com/sbi-q1-2025-1/hiring-experience?lb-mode=overlay

Small Business Insights for Workforce and Cash Flow Management

https://metlife.pathfactory.com/sbi-q1-2025-1/cash-flow?lb-mode=overlay

Q1 2025

Q4 2024

Inflation Remains Top Concern for Small Businesses in 2025

https://metlife.pathfactory.com/sbi-q1-2025-1/inflation-2025?lb-mode=overlay

Key Hiring and Workforce Development Trends in Small Business

https://metlife.pathfactory.com/sbi-q1-2025-1/hiring-experience?lb-mode=overlay

Small Business Insights for Workforce and Cash Flow Management

https://metlife.pathfactory.com/sbi-q1-2025-1/cash-flow?lb-mode=overlay

Optimism Persists Despite Economic Uncertainty

https://metlife.pathfactory.com/sbi-q1-2025-1/optimism-2025?lb-mode=overlay

Despite Stable Economy, Small Business Index Dips in Q1 2025

https://metlife.pathfactory.com/sbi-q1-2025-1/index-dips-despite-small-business-seeing-stable-economy?lb-mode=overlay

In South, Inflation Remains Biggest Challenge

https://metlife.pathfactory.com/sbi-q1-2025-1/southern-small-businesses-see-stable-economy-say-inflation-is-top-challenge?lb-mode=overlay

For Small Businesses Inflation Worries Persist

https://metlife.pathfactory.com/sbi-q4-2024/small-business-inflation?lb-mode=overlay

Navigating Compliance: Small Business Insights

https://metlife.pathfactory.com/sbi-q4-2024/small-business-compliance-challenges?lb-mode=overlay

Small Businesses Gear Up for Holiday Season

https://metlife.pathfactory.com/sbi-q4-2024/small-business-holidays?lb-mode=overlay

Small Business Outlook for 2025

https://metlife.pathfactory.com/sbi-q4-2024/small-business-outlook?lb-mode=overlay

SBI Q4 2024 Infographic

https://metlife.pathfactory.com/sbi-q4-2024/q4-infographic?lb-mode=overlay

Q4 2024 Small Business in the South Performance Report

https://metlife.pathfactory.com/sbi-q4-2024/small-business-index?lb-mode=overlay

Small Business Index Q4 2024

https://metlife.pathfactory.com/sbi-q4-2024/sbi-q4-2024-report?lb-mode=overlay

Did you know? PEO worksites are...

1.1x more likely to increase employee pay¹

1.2x more likely to improve access to benefits at affordable price points¹

1.5x more likely to improve accessibility to enroll in wellness programs such as employee assistance and financial wellness¹

Materials

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CT PFML Employer FAQs	View
CT PFML Employee FAQs	View
CT PFML Statutory Leave Benefit Guide	View

CT PFML Website	Visit
CT State Fact Sheet	View
CT PFML State Poster	View
CT State PFML Toolkit	View
CT 2023 Annual Report	View

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FAQ's

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Similar to health insurance for you and your family, pet insurance is coverage for dogs and cats that can help you be prepared for unexpected vet costs. With MetLife Pet Insurance,1 you may be able to cover2 up to 100% on the veterinary care expenses from any licensed veterinarian, specialist or emergency clinic across the U.S.

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Latest About MetLife

Quarterly reports 2081-82

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See document here

mounika test

Dental

Dental Transition of Care Guidelines

#Pet_Florida_page_1

Outside valley

Koshi Province Office

City Center, Ward No 8, Dharan Road, Biratnagar

Tel: +977-21-590023/590014

Dhangadi Branch Office

Sabjimandi Road, Ward No 2, Dhangadi

Tel: +977-91-523815

Narayangadh Branch Office

Charan Tower, Lions Chowk, Ward No 4, Bharatpur

Tel: +977-56-595847

Pokhara Branch Office

New Road, Ward No 9, Pokhara

Tel: +977-61-550095

Lumbini Province Office

Singh Complex (3rd Floor), Amar Path, Haatbazar line, Butwal

Tel: +977-71-533213

Bardaghat Office

Above Prabhu Bank, Ward No. 4, Nawalparasi

Tel: +977-78-580783

Bhairahawa Office

Shashwat Bhawan, Narayanpath Bhairahawa-8, Rupandehi

Tel: +977-71-590863/590864

Birgunj Office

Sripur, Ward no: 13, Birgunj, Parsa

Tel: +977-51-520757

Birtamod Office

Mukti Chowk, Kakadbhitta Road, Ward no- 5, Jhapa

Tel: +977-23-544025/544520

Damak Office

Above Hero Bike Showroom, Ward no 8, Jhapa, Damak Municipality

Tel: +977-23-573971

Dang Office

Ghorahi, Ward No 15, Ji Bi Sa Road (Near 3 star hotel), Dang

Tel: +977-82-564018

Dharan Office

Putali Line, Ward No 9, Dharan

Tel: +977-25-520539

Gaighat Office

Purano Petrol Pump Line, Gaighat, Ward No 11, Udayapur

Tel: +977-35-423660

Hetauda Office

Sita Bhawan, TCN Road, Ward No 10, Hetauda

Tel: +977-57-521553

Ilam Office

Ilam Bazar Main Chowk, Ward No 7, Ilam

Tel: +977-27-521986

Itahari Office

Sunsari, Ward No 6, Itahari

Tel: +977-25-587195

Janakpur Office

Bhanuchowk, Mills Area Road, Dhanusha, Janakpur-1

Tel: +977-41-590425/426/427

Katari Office

Near Katari Hospital, Udaypur, Ward No 4, Katari

Tel: +977-35-450431

Lahan Office

Golchakkar, 100m North (Near NIC Bank), Lahan-5

Tel: +977-33-590401, 590402

Mahendranagar Office

Galli No 5, Ward No 18, Bhimdatta, Mahendranagar

Tel: +977-99-520229

Nepalgunj Office

Puspalal Chowk, Ward No 3, Surkhet Road, Nepalgunj

Tel: +977-81-535015

Palpa Office

Silkhan Tole, Ward no. 4, Tansen, Palpa

Tel: +977-75-522557

Surkhet Office

Ari Chowk, Ward no. 4, Birendranagar

Tel: +977-83-521588

Tikapur Office

Khadak Chowk, Hospital Road, Ward No 1, Tikapur

Tel: +977-91-560887

Bhojpur Contact Office

Bank Road, Ward No 8, Bhojpur

Tel: +977-9852050311/9852074311

Bhojpur Contact Office

Bank Road, Ward No 8, Bhojpur

Tel: +977-9852050311/9852074311

Bhojpur Contact Office

Bank Road, Ward No 8, Bhojpur

Tel: +977-9852050311/9852074311

See how we're bringing our purpose to life through our benefits, coverage and support

MetLife Pet and The Animal Foundation are helping new pet parents in Las Vegas start off right

Our new oral health library makes it easy to understand your dental benefits and protect your smile with confidence

Mounika A Test Form

test docs

MetLife TakeAlong Dental^SM

Interested in reading the 2023 Sustainability Report?

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