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Frequently Asked Questions

Accident Insurance FAQs
Am I eligible to enroll for this coverage? Collapsed Expanded

Yes, you can enroll both yourself and eligible family members. All you need to do is enroll during your enrollment period, and be actively at work.    

I have a good medical plan at work, so why do I need accident insurance? Collapsed Expanded

Accidents can happen anytime, anywhere and always when you least expect them. What’s more they can be costly. 

Even the best medical plans can leave you with extra expenses to pay or services that just aren’t covered. Things like plan deductibles, copays, extra costs for out-of-network care, or non-covered services. Many people aren’t prepared to handle these extra costs, so having this extra financial support when the time comes may mean less worry for you and your family.

Can I enroll for this insurance without having a medical exam? Collapsed Expanded

Yes. Your accident coverage is guaranteed2, regardless of your health. You just need to be actively at work to be covered. There are no medical exams to take and no health questions to answer, so the whole process might be easier than you first thought.

Are benefits paid directly to me or my health care provider? Collapsed Expanded

Payments will be paid directly to you, not to the doctors, hospitals or any other health care providers. And to make things even easier, the check is made payable to you. There’s no need to work it around any other insurance you may have. Benefits are paid no matter what your other insurance plans may cover.

If my employment status changes, can I take my coverage with me? Collapsed Expanded

Yes. This coverage is portable, meaning you can take it wherever you go. Your coverage will only end if you stop paying your premium or if your employer offers you similar coverage with a different insurance carrier.3

Can I use the benefit payment on anything I need? Collapsed Expanded

Yes, you can use your payment as you see fit. Use it to help cover your medical insurance deductibles, copays, household bills, and more.

Hospital FAQ’s
Am I eligible to enroll for this coverage? Collapsed Expanded

Yes, you can enroll both yourself and eligible family members. All you need to do is enroll during the open enrollment period and be actively at work. Some dependents may not be subject to medical restrictions as outlined in the Certificate, but there are a couple of things to bear in mind. Some states require the insured to have medical coverage and some additional restrictions apply to dependents serving in the armed forces or living overseas.

I have a good medical plan at work, so why do I need hospital indemnity insurance? Collapsed Expanded

Hospital stays can be pricey, and often unexpected. Even the best medical plans can leave you with extra expenses to pay or services that just aren’t covered. Things like plan deductibles, copays, extra costs for out-of-network care, or non-covered services. Many people aren’t prepared to handle these extra costs, so having this extra financial support when the time comes may mean less worry for you and your family.

Can I enroll for this insurance without having a medical exam? Collapsed Expanded

Yes. Your hospital indemnity coverage is guaranteed,regardless of your health. You just need to be actively at work. There are no medical exams to take and no health questions to answer, so the whole process might be easier than you first thought.

Are benefits paid to me or my health care provider? Collapsed Expanded

Payments go directly to you, not to the doctors, hospitals or any other health care providers. And to make things even easier, the check is made payable to you. There’s no need to work it around any other insurance you may have. Benefits are paid no matter what your other insurance plans may cover.

If my employment status changes, can I take my coverage with me? Collapsed Expanded

Yes. This coverage is portable, meaning you can take it with you wherever you go. Your coverage will only end if you stop paying your premium or if your current employer chooses to cancel the group hospital indemnity insurance policy.3

Critical Illness FAQ
Am I eligible to enroll for this coverage? Collapsed Expanded

Yes, you can enroll both yourself and eligible family members1 if you are a full-time and actively at work employee in one of the following classes: 1. Faculty, Academic Administrative Professionals (AAP'S) and Staff 2. Members of the Law Enforcement Officers Security Union-LEOSU-DC 3. Members of 1199 SEIU UnitedHealthcare Workers East. 4. Fellows.

I have a good medical plan at work, so why do I need critical illness insurance? Collapsed Expanded

One of the hardest parts of managing illnesses like Cancer, Heart Attack, or Stroke is providing the support and comfort your family needs beyond the cost of care.

Even the best medical and disability income plans can leave you with extra expenses to pay or services that just aren’t covered.  Things like medical plan deductibles and copays, or extra costs for out-of-network care.  And if you’re out of work because of a disability, it might be that only some of your income is protected. The average family spends thousands of dollars in times of critical illness and recovery.2  Many people aren’t prepared to handle these extra costs, so having this extra financial support when the time comes may mean less worry for you and your family.

Can I enroll for this coverage without having to take a medical exam? Collapsed Expanded

Yes. Your critical illness coverage is guaranteed,3 regardless of your health. You just need to be actively at work to be covered. There are no medical exams to take and no health questions to answer, so the whole process might be easier than you first thought.

What happens if I have a recurrence? Collapsed Expanded

Your plan pays an additional benefit (Recurrence Benefit) if a medical condition reoccurs for: a Heart Attack, Stroke, Coronary Artery Bypass Graft, Full Benefit Cancer, and Partial Benefit Cancer.  A recurrence benefit is only available if the initial benefit has already been paid for the covered condition.  And there is a benefit suspension period (or waiting period) between recurrences.4

Are benefits paid directly to me or my health care provider? Collapsed Expanded

Benefits will be paid directly to you, not to the doctors, hospitals or any other health care providers. There’s no need to work it around any other any other insurance you may have.  Benefits are paid no matter what your other insurance plans may cover.

If my employment status changes, can I take my coverage with me? Collapsed Expanded

Yes. This coverage is portable, meaning you can take it wherever you go. Your coverage will only end if you stop paying your premium or if Georgetown University offers you similar coverage with a different insurance carrier.5

Life FAQ's
Am I eligible to enroll for this coverage? Collapsed Expanded

You are eligible if you are one of the following: 

Class 1: All Actively at Work faculty, staff, academic administrative professionals (AAP’s) – Actively at Work faculty, faculty and academic administrative professionals (AAP’s) hired to work 75% of the time, staff hired to work 30 or more hours per week as employees of the Policyholder.

Class 2: All Actively at Work Law Enforcement Officers Security Union-LEOSU-DC hired to work 30 or more hours per week as employees of the Policyholder.

Class 3: 1199 SEIU UnitedHealthcare Workers East full-time – All Actively at Work full-time members of 1199 SEIU UnitedHealthcare Workers East full-time hired to work 30 or more hours per week as employees of the Policyholder.

I already have basic life insurance through Georgetown University, why do I need more? Collapsed Expanded

While having life insurance provided by Georgetown University is a great benefit, it’s possible that it may not be enough to adequately provide for your family.  Additional life insurance can give your family greater financial security if you are no longer here to earn a paycheck.

How much life insurance do I need? Collapsed Expanded

Everyone is different, but you probably need more than you have now. The insurance you need changes as your life changes — for example, getting married, starting a family or buying a home might change the coverage you need. Many people are surprised to learn that they don’t have enough life insurance to cover the many expenses their loved ones may face.

It’s simple to determine the amount of coverage you need now:
Go to www.metlifeiseasier.net to calculate how much life insurance may be right for you.

How much will it cost? Collapsed Expanded

It may be less expensive than you think. MetLife’s group life insurance plans are an economical way for you to provide for your family with competitive group rates and a wide range of coverage options to choose from. Exact rates can be found in the enrollment materials provided by Georgetown University.

How do I pay for my coverage? Collapsed Expanded

Premiums are conveniently paid through payroll deduction, so you don’t have to worry about writing a check or missing a payment.

What are the advantages of purchasing life insurance through work? Collapsed Expanded
  • You get competitive group rates and a wide range of coverage options to choose from.  
  • Proceeds are generally income tax free and can be paid to your beneficiary in a lump-sum payment. 
  • You will have the convenience of having premiums automatically deducted from your paycheck

 

Legal Plans FAQs
Am I eligible to enroll for this coverage? Collapsed Expanded

This plan is available to faculty, staff and AAP's hired to work at least 30 hours per week or 75% FTE who are living and working in the United States and are actively at work at the time of election. Fellows are not eligible for this benefit.

How does the plan work? Collapsed Expanded

Getting started is easy. You simply choose an attorney in any specialized area of practice from our network, which is available online or via one of our representatives. We will then give you an assigned case number to share with your lawyer when you make an appointment. It’s that simple. 

You can speak to our Network Attorneys face to face, by phone, or you can submit questions online to our Attorney e-Panel – whatever works best for you. And for certain legal matters, your attorney can represent you in court without you having to make an appearance. 

Our Network Attorneys are there for you, whenever you need advice on any personal legal matter or representation on a number of legal services covered under your plan—giving you peace of mind that you’ve got an expert on your side, for as long as you need them.

How does MetLaw attract top attorneys? Collapsed Expanded

Even experienced attorneys need to grow their practice. By providing exceptional service to you and other plan members, they can gain more clients through your referrals. That’s how we’ve established a large network of highly experienced attorneys, averaging 25 years of experience. And every year, all participating lawyers in our attorney network are re-credentialed.

Can I get help finding the right attorney for my needs? Collapsed Expanded

Yes – our Client Service Center representatives are here to help you find the right attorney that’s best placed to help you with your legal matter, whatever that might be. We’re committed to ensuring you receive the expert legal help you need, when you need it.

Can I use an attorney who is not in the network? Collapsed Expanded

Yes – you can use any attorney you’d like. If you choose an attorney outside of our network, we’ll reimburse you for services based on a set fee schedule.3

Can I use a lawyer more than once? Collapsed Expanded

Yes, you have unlimited use of the plan over the course of the year for covered legal matters.4

How much will it cost? Collapsed Expanded

Less than you might think. For less than a dollar a day, you can have our legal experts on your side, for as long as you need them. You can find the exact cost for your plan in the enrollment materials provided by Georgetown University.

Auto & Home FAQs
What kind of savings can I get? Collapsed Expanded

When you get your insurance through your company’s worksite program, you’re eligible for special employee savings, including a group discount just for being an employee. You may also be eligible for a discount for being a great driver, special safety feature discounts and more.

Do I need to wait until my current insurance policy expires to switch? Collapsed Expanded

Not at all. Our expert sales consultants can provide you with a quote at any time, so you can start saving money right away. You don’t have to wait until your current policy is up for renewal, a rate increase or a bad service experience.

What kind of service do you offer? Collapsed Expanded

MetLife Auto & Home is here to service your claim needs with extended service hours.
You can talk with a claims representative during regular business hours, on weekday evenings and on Saturdays. Our policyholder service specialist can answer any questions you have about your policy, whether you’re a new customer or have been with us for many years. 

Can I pay for my coverage via payroll deduction? Collapsed Expanded

Yes, payroll deduction makes payments easy and it can save you up to 10% on premiums.
Paying this way spreads your payments out over the year, as payments are deducted right from your paycheck each pay period. You’ll never have to worry about writing a check or missing a payment this way.

What happens if my job status changes; can I take my coverage with me? Collapsed Expanded

Yes, you can take your coverage with you, subject to applicable law, underwriting guidelines and local availability. Certain discounts however, may not be available.

Pet Insurance FAQs
Can I still use my vet? Collapsed Expanded

Absolutely. You are free to visit any licensed veterinarian, anywhere in the world — even specialists and emergency providers.

What do the plans cover? Collapsed Expanded

Our plans provide nose-to-tail coverage for a wide range of accidents, injuries and illnesses.

You can even add routine care coverage to any plan.

Added bonus: we cover new chronic and recurring conditions at no additional cost.

What’s not covered? Collapsed Expanded

Unfortunately, there are some things we can’t cover. These include elective procedures, congenital conditions, pet foods, grooming, behavioral problems and pre-existing conditions. 

Does Nationwide® pet insurance work like an HMO? Collapsed Expanded

Nope. We leave all medical decisions solely up to you and your veterinarian, so you’re free to choose whatever treatment you feel is best for your pet. Plus, you can visit any licensed veterinarian worldwide — even specialist and emergency providers. Simply pay your veterinarian at the time of service and submit the invoice for reimbursement. There are no pre-authorizations or hoops to jump through.

How does the benefit schedule work? Collapsed Expanded

Each plan has a benefit schedule that shows exactly what’s covered, with no guesswork involved. When you submit a claim, we reimburse you according to your plan’s benefit allowance once you’ve met your deductible. It’s as easy as that.

Here’s the best part: All benefit allowances renew in full each year — no matter how many claims you’ve filed.

Will you drop a pet from coverage because of age? Collapsed Expanded

Never. As long as your pet is enrolled before age 10 and you keep your policy continually in force (translation: don’t let it lapse or expire), we promise not to drop your pet. After all, we’re pet lovers, too.

Will my premium increase when I file my claim? Collapsed Expanded

No. We don’t think it’s fair to penalize you if your pet gets sick or hurt. So go ahead and get your pet the care that he needs, as often as he needs it — it won’t affect your premium.

1 There are annual limitations on the number of eye injuries and lacerations that will be covered.

2 Coverage is guaranteed provided (1) the employee is actively at work and (2) dependents to be covered are not subject to medical restrictions as set forth on the enrollment form and in the Certificate. Some states require the insured to have medical coverage. Additional restrictions apply to dependents serving in the armed forces or living overseas.

3 Eligibility for portability through the Continuation of Insurance with Premium Payment provision may be subject to certain eligibility requirements and limitations. For more information, contact your MetLife representative.

METLIFE'S ACCIDENT INSURANCE IS A LIMITED BENEFIT GROUP INSURANCE POLICY. The policy is not intended to be a substitute for medical coverage and certain states may require the insured to have medical coverage to enroll for the coverage The policy or its provisions may vary or be unavailable in some states. There is a preexisting condition limitation for hospital sickness benefits, if applicable. There are benefit reductions that begin at age 65. And, like most group accident and health insurance policies, policies offered by MetLife may contain certain exclusions, limitations and terms for keeping them in force. For complete details of coverage and availability, please refer to the group policy form GPNP12-AX or contact MetLife. Benefits are underwritten by Metropolitan Life Insurance Company, New York, New York. Casualty Insurance Company and its affiliates: Economy Preferred Insurance Company, Metropolitan Casualty Insurance Company, Metropolitan Direct Property and Casualty Insurance Company, Metropolitan General Insurance Company, Metropolitan Group Property and Casualty Insurance Company, and Metropolitan Lloyds Insurance Company of Texas, all with administrative home offices in Warwick, RI. Coverage, rates, discounts, and policy features vary by state and product, and are available in most states to those who qualify. Met P&C®, MetCasSM, and MetGenSM are licensed in state ofMinnesota.

Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which are controlling. Such terms and availability may vary by state and exclusions may apply.

12 *Pet Insurance plans are offered and administered by Nationwide through its subsidiaries and affiliates. Underwritten by Veterinary Pet Insurance Company (CA), Brea, CA, an A.M. Best A-rated company (2013) and National Casualty Company (all other states), Madison, WI, an A.M. Best A+-rated company (2014). Nationwide, the Nationwide N and Eagle, and Nationwide Is On Your Side are service marks of Nationwide Mutual Insurance Company. © 2016 Nationwide. © 2016 METLIFE, INC

1 Please review the Disclosure Statement or Outline of Coverage/Disclosure Document for specific information about cancer benefits. Not all types of cancer are covered. Some cancers are covered at less than the Initial Benefit Amount. Skin Cancer is covered at 5% of the Initial Benefit Amount (but not less than $250).2 In certain states, the Covered Condition is Severe Stroke.

3 Please review the Outline of Coverage for specific information about Alzheimer’s disease.

4 Eligible Family Members means all persons eligible for coverage as defined in the Certificate.

5 MetLife Accident and Critical Illness Impact Study, October 2013

6 Coverage is guaranteed provided (1) the employee is actively at work and (2) dependents are not subject to medical restrictions as set forth on the enrollment form and in the Certificate.Medical coverage is required to enroll. Additional restrictions apply to dependents serving in the armed forces or living overseas.

METLIFE’S CRITICAL ILLNESS INSURANCE (CII) IS A LIMITED BENEFIT GROUP INSURANCE POLICY. Like most group accident and health insurance policies, MetLife’s CII policies contain certain exclusions, limitations and terms for keeping them in force. Product features and availability may vary by state. In most plans, there is a pre-existing condition exclusion. In most states, after a covered condition occurs there is a benefit suspension period during which most plans do not pay recurrence benefits. Attained Age rates are based on 5-year age bands and will increase when a Covered Person reaches a new age band. A more detailed description of the benefits, limitations, and exclusions applicable can be found in the applicable Disclosure Statement or Outline of Coverage/Disclosure Document available at time of enrollment. For complete details of coverage and availability, please refer to the group policy form GPNP07-CI or GPNP09-CI, or contact MetLife for more information. Benefits are underwritten by Metropolitan Life Insurance Company, New York, New York.

MetLife’s Critical Illness Insurance is not intended to be a substitute for Medical Coverage providing benefits for medical treatment, including hospital, surgical and medical expenses. MetLife’s Critical Illness Insurance does not provide reimbursement for such expenses.

1 “Public Perception of Lawyers Consumer Research Findings,” prepared on behalf of Section of Litigation, American Bar Association, April 2002.

2 You will be responsible to pay the difference, if any, between the Plan’s payment and the non-Plan Attorney’s charge for services.

3 For more specific information, please refer to www.metlife.com/mybenefits.

Group legal plans are provided by Hyatt Legal Plans, Inc., a MetLife company, Cleveland, OH. In certain states, group legal plans are provided through insurance coverage underwritten by Metropolitan Property and Casualty Insurance Company and Affiliates, Warwick, RI. Payroll deduction required for group legal plans. Benefit programs offered by MetLife and its Affiliates contain certain exclusions and terms for keeping them in force. For costs and complete details of the coverage, call or write the company

1 Will Preparation and MetLife Estate Resolution Services are offered by Hyatt Legal Plans, Inc., a MetLife company, 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 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 The Accelerated Benefits Option is subject to state regulation and is intended to qualify for favorable federal income tax treatment, in which case the benefits will be excludable from your income and 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 accelerated benefits may affect your eligibility, or that of your spouse or your family, for public assistance programs. You are advised to consult with social service agencies concerning the effect that receipt of accelerated benefits will have on public assistance eligibility for you, your spouse or your family.

3 To take advantage of this benefit, coverage of at least $10,000 must be elected. Increases, decreases, minimum and maximum coverage amounts are subject to state availability. Please contact your plan administrator or refer to your certificate for specific details.

Like most group life insurance policies, MetLife insurance policies have certain exclusions, limitations, reductions of benefits and terms for keeping them in force. A MetLife representative can provide you with costs and complete details.

MetLife Auto & Home is a brand of Metropolitan Property and Casualty Insurance Company and its affiliates: Economy Fire & Casualty Company, Economy Preferred Insurance Company, Metropolitan Casualty Insurance Company, Metropolitan Direct Property and Casualty Insurance Company (CA Certificate of Authority: 6730; Warwick, RI), Metropolitan General Insurance Company, Metropolitan Group Property and Casualty Insurance Company (CA COA: 6393; Warwick, RI), and Metropolitan Lloyds Insurance Company of Texas, all with administrative home offices in Warwick, RI. Coverage, rates, discounts, and policy features vary by state and product, and are available in most states to those who qualify.

Like most insurance policies, MetLife Auto & Home's policies contain exclusions, limitations, reductions of benefits and terms for keeping them in force. For complete costs and details, see your MetLife Auto & Home representative.

10 Your application is subject to review and approval by MetLife based upon its underwriting rules.

Like most group life insurance policies, MetLife’s group life insurance policies contain certain exclusions, limitations and terms for keeping them in force. Please contact MetLife for more information.

10 Home insurance is not part of MetLife Auto & Home's benefit offering in Florida and Massachusetts.

11 This discount is not available in Massachsettes.

MetLife Auto & Home is a brand of Metropolitan Property and Casualty Insurance Company and its affiliates: Economy Preferred Insurance Company, Metropolitan Casualty Insurance Company, Metropolitan Direct Property and Casualty Insurance Company, Metropolitan General Insurance Company, Metropolitan Group Property and Casualty Insurance Company, and Metropolitan Lloyds Insurance Company of Texas, all with administrative home offices in Warwick, RI. Coverage, rates, discounts, and policy features vary by state and product, and are available in most states to those who qualify. Met P&C®, MetCasSM, and MetGenSM are licensed in state ofMinnesota.

Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which are controlling. Such terms and availability may vary by state and exclusions may apply.