Accident and Critical Illness Insurance

Accident and Critical Illness Insurance are both voluntary benefits and are administered by MetLife.

Accident Insurance 

Summary: provides you and your dependents, if enrolled, with a lump-sum payment after an accident.  Payments made to you from the accident plan can help with your out-of-pocket expenses, such as your deductible, co-pays, transportation for medical care, childcare and more.  There are no coordination of benefits with your medical plan.  Coverage is guarantee issue and pre-existing conditions are excluded.

Cost:

Enrolled Semi-Monthly Rate
Employee $3.51
Employee + Spouse $6.22
Employee + Child(ren) $7.25
Employee + Family $9.08

How to file a claim

Additional information, including what the accident plan covers:  Accident plan benefits summary

 

Critical Illness Insurance

Summary: provides you and your dependents, if enrolled, with a lump-sum payment when diagnosed with a critical illness (as defined in the benefits summary).  Payments made to you from the accident plan can help with daily living expenses, childcare, hiring household help, mortgage payments, college tuition, and treatment not covered by your medical plan.  There are no coordination of benefits with your medical plan.  Coverage is guarantee issue and pre-existing conditions are excluded.

Cost: enroll with either a $5,000, $10,000, or $15,000 policy.  Each dependent enrolled will have a policy valued at 50% of what the employee is enrolled with.  To determine your semi-monthly cost, reference the Critical Illness rates (please note that rates are based upon the employee’s age, amount of benefit elected, and non-tobacco or tobacco usage by the employee).

 How to file a claim

Additional information, including what the critical illness plan covers fully and reduced benefits:  Critical Illness plan benefits summary

 

Wellness Benefit:

Enrollment with the Accident and/or Critical Illness plans includes a wellness benefit.  If you receive an annual health screening and complete a wellness benefit claim form, MetLife will send you a check in the amount of $50.

Wellness Benefit Claim Form