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Lifealways Changes

Select the right mix of employee benefits to help take the edge off uncertainty.

 

Employee Benefits Designed to Meet Your Needs

Life may mean dealing with challenges, like the pandemic. You now have the opportunity to help protect all you've worked hard for by taking advantage of added financial protection through your employee benefits.

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Life Insurance

Life Insurance

Protect your family’s future, no matter what.

Dental Insurance

Dental Insurance

Did you know that preventive oral care can also can prevent unexpected costs and pain?

Vision Insurance

Vision Insurance

Help protect the eyesight and health of every member of your family, with lower out-of-pocket expenses for you.

Pet Insurance

Pet Insurance

Pets are a beloved part of a family, and it’s important to keep them safe and healthy.

HSA & FSA

HSA & FSA

If currently enrolled in a High Deductible Health Plan (HDHP), you are eligible to open/contribute to a HSA.2

Hospital Indemnity Insurance

Hospital Indemnity Insurance

Hospital indemnity insurance can help to offset additional hospitalization expenses.

Help protect and provide for your family’s financial well-being.

  • Choice of coverage type and amounts to meet your specific needs
  • Beneficiaries receive tax-free benefit proceeds
  • MetLife AdvantageTM offers services like grief counseling and funeral planning assistance

Choose from a large network of dentists and oral care specialists to find the right provider for you and your family.

     

MetLife Vision can help you and your family see well, stay healthy, and save.

  • Save on routine eye exams, eyewear and fittings, laser vision correction services, and more5
  • Always convenient for your life: Choose from the thousands of participating vision providers in our network to find the one who works best for you and your family

Once you’ve taken your pet to the veterinarian and paid your resulting bill, submit a claim and get reimbursed for eligible expenses in as little as ten days. 

Eligible expenses include:

  • Accidents, illnesses, ultrasounds, surgeries, and holistic care
  • Flexible product offerings with straightforward pricing and options, group discounts2, customizable limits, and deductible savings3
  • Quick 3-step enrollment and hassle-free claims experience with most claims 

Save on taxes when you contribute, use untaxed dollars to pay for qualified medical expenses, and enjoy tax-free investment growth for future needs, like retirement healthcare expenses.

Expenses covered:

  • Copays, coinsurance, and deductibles
  • Office visits, X-rays, and lab work
  • Qualified vision and dental expenses
  • Prescriptions and over-the-counter medications with a doctor’s prescription
  • Other qualifying items such as blood pressure monitors and diabetes testing supplies

It’s scary enough being admitted into the hospital, so why worry about whether or not your existing medical insurance is going to cover everything?

Hospital indemnity insurance benefits may include:

  • Coverage for hospital admission, accident-related inpatient rehabilitation, and hospital stays
  • Guaranteed acceptance for you and eligible family members
  • Convenient payroll deduction 

Choose the Right Benefits

Answer a few quick questions, and we’ll provide recommendations for benefits that support your lifestyle and goals.

MetLife Legal Plans

Legal insurance might not seem that urgent until you need a lawyer. A legal plan can help make finding an attorney easier.

FEATURED ARTICLE

FEATURED ARTICLE

How to Choose Benefits as a Married Couple During Open Enrollment

Here’s how you can make sure you and your spouse have the right benefits coverage during open enrollment.

COVID-19 FAQ

Discover the employee benefits that can support you through a COVID-19 diagnosis.

1 Hospital does not include certain facilities such as nursing homes, convalescent care or extended care facilities.  See your Disclosure Statement or Outline of Coverage/Disclosure Document for full details.

2 You can contribute to an HSA if: (1) you are not covered under any other health plan that is not a qualified HDHP, including a general purpose health care Flexible Spending Account (FSA) or Health Reimbursement Account (HRA), or if you are not covered under TRICARE; (2) you are not enrolled in Medicare or Medicaid and (3) you cannot be claimed as a dependent on another person’s tax return.

Accident Insurance and Hospital Indemnity Insurance Disclaimer:

METLIFE'S ACCIDENT AND HOSPITAL INDEMNITY INSURANCE POLICIES ARE LIMITED BENEFIT GROUP INSURANCE POLICIES. The policies are 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 policies or their provisions may vary or be unavailable in some states. Prior hospital confinement may be required to receive certain benefits.  There may be a preexisting condition limitation for hospital sickness benefits, if applicable. MetLife’s Accident and Hospital Indemnity Insurance may be subject to 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, GPNP13-HI, GPNP16-HI or GPNP12-AX-PASG, or contact MetLife. Benefits are underwritten by Metropolitan Life Insurance Company, New York, New York. In certain states, availability of MetLife's Group Hospital Indemnity Insurance is pending regulatory approval.
Hospital does not include certain facilities such as nursing homes, convalescent care or extended care facilities. See MetLife's Disclosure Statement or Outline of Coverage/Disclosure Document for full details.

Dental Insurance Disclaimer:

Like most group benefits programs, benefit programs offered by MetLife and its affiliates contain certain exclusions, exceptions, waiting periods, reductions, limitations and terms for keeping them in force.  Ask your MetLife group representative for costs and complete details.

Critical Illness Disclaimer:

METLIFE 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. After a covered condition occurs, there is a benefit suspension period during which most plans do not pay recurrence benefits, except in the case of insureds covered under a New York certificate. MetLife offers CII on both an Attained Age and an Issue Age basis.  Attained Age rates are based on 5-year age bands and will increase when a Covered Person reaches a new age band.  MetLife’s Issue Age CII is guaranteed renewable, and may be subject to benefit reductions that begin at age 65. Premium rates for MetLife’s Issue Age CII are based on age at the time of the initial coverage effective date and will not increase due to age; premium rates for increases in coverage, including the addition of dependents’ coverage, if applicable, will be based on the covered person’s age at the time of the initial coverage effective date. Rates are subject to change for MetLife’s Issue Age CII on a class-wide basis.  A more detailed description of the benefits, limitations, and exclusions applicable to both Attained Age and Issue Age CII 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, GPNP09-CI or GPNP14-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.

Hospital Indemnity Disclaimer:

METLIFE'S HOSPITAL INDEMNITY 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. There are benefit reductions that begin at age 65.  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, GPNP13-HI, or GPNP12-AX-PASG, or contact MetLife. Benefits are underwritten by Metropolitan Life Insurance Company, New York, New York.  In certain states, availability of MetLife’s Group Hospital Indemnity Insurance is pending regulatory approval.  Hospital does not include certain facilities such as nursing homes, convalescent care or extended care facilities. See MetLife's Disclosure Statement or Outline of Coverage/Disclosure Document for full details.

MetLife Legal Plans Disclaimer:

Group legal plans provided by MetLife Legal Plans, Inc., Cleveland, Ohio. In certain states, group legal plans are provided through insurance coverage underwritten by Metropolitan General Insurance Company and Affiliates, Warwick, RI. Some services not available in all states. No service, including consultations, will be provided for: 1) employment-related matters, including company or statutory benefits; 2) matters involving the employer, MetLife and affiliates and plan attorneys; 3) matters in which there is a conflict of interest between the employee and spouse or dependents in which case services are excluded for the spouse and dependents; 4) appeals and class actions; 5) farm and business matters, including rental issues when the participant is the landlord; 6) patent, trademark and copyright matters; 7) costs and fines; 8) frivolous or unethical matters; 9) matters for which an attorney client relationship exists prior to the participant becoming eligible for plan benefits. For all other personal legal matters, an advice and consultation benefit is provided. Additional representation is also included for certain matters. Please see your plan description for details. MetLife® is a registered trademarks of MetLife Services and Solutions, LLC, New York, NY.

HSA and FSA general disclaimer:

Like most group benefit programs, benefit programs offered by MetLife and its affiliates contain certain exclusions, exceptions, waiting periods, reductions of benefits, limitations and terms for keeping them in force. Nothing in these materials is intended to be, nor should be construed as, advice or a recommendation for a particular situation or individual. Participants should consult with their own advisors for such advice. Federal and state laws and regulations are subject to change.

Pet disclaimer:

Pet Insurance offered by MetLife Pet Insurance Solutions LLC is underwritten by Independence American Insurance Company (“IAIC”), a Delaware insurance company, headquartered at 485 Madison Avenue, NY, NY 10022, and Metropolitan General Insurance Company (“MetGen”), a Rhode Island insurance company, headquartered at 700 Quaker Lane, Warwick, RI 02886, in those states where MetGen’s policies are available. Application is subject to underwriting review and approval. Like most insurance policies, insurance policies issued by IAIC and MetGen contain certain deductibles, co-insurance, exclusions, exceptions, reductions, limitations, and terms for keeping them in force. For costs, complete details of coverage and exclusions, and a listing of approved states, please contact MetLife Pet Insurance Solutions LLC. MetLife Pet Insurance Solutions LLC is the policy administrator authorized by IAIC and MetGen to offer and administer pet insurance policies. MetLife Pet Insurance Solutions LLC was previously known as PetFirst Healthcare, LLC and in some states continues to operate under that name pending approval of its application for a name change. The entity may operate under an alternate, assumed, and/or fictitious name in certain jurisdictions as approved, including MetLife Pet Insurance Services LLC (New York and Minnesota), MetLife Pet Insurance Solutions Agency LLC (Illinois), and such other alternate, assumed, or fictitious names approved by certain jurisdictions.

Life Insurance disclaimer:

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 your MetLife Group Representative for costs and complete details.

*MetLife 2021 Open Enrollment Survey