Additional Benefits

When a covered accident occurs, this benefit pays a lump sum that can be used for medical expenses or everyday living expenses. Employee coverage must be elected in order for coverage to be purchased for a spouse and/or dependent child. Unmarried children are eligible for coverage from birth to age 26.

	Plan Design
Coverage Type	24 Hour Coverage (on/off job).
Benefit Amount	Select the High Plan or Low Plan. Benefits are based on flat schedule amount that varies depending on plan. See the schedule of covered benefits for more details.
Benefit Reduction	Benefits are reduced by 25% at age 65 and 50% at age 70

Benefits	High Plan	Low Plan
Accidental Death	$100,000	$50,000
Paralysis (two limbs)	$50,000	$25,000
Leg Fracture (closed)	$3,000	$2,000
Hip Fracture	$4,500	$3,000
Concussion	$600	$400
Ambulance (ground)	$400	$300
Crutches	$200	$100

Employee Monthly Rates	High Plan	Low Plan
Employee	$13.06	$8.52
Employee + Spouse	$27.06	$17.68
Employee + Child(ren)	$26.38	$17.50
Employee + Family	$33.04	$21.91

Downloads

Overview

Accident and Health

This benefit complements existing medical coverage to help fill in the gaps caused by out-of-pocket expenses such as mortgage payments, college tuition, hiring household help, or treatment not covered by the medical plan. Benefits are paid regardless of what is covered by the medical plan and payments are made directly to covered employees to spend as they choose.

Employees can select $15,000 or $30,000 Guaranteed Issue Coverage.
Spouse and child coverage is 50% of the employee benefit amount.

Covered Conditions	Initial Benefit	Recurrence Benefit
Alzheimer’s Disease	100% of Benefit Amount	None
Coronary Artery Bypass Graft	100% of Benefit Amount	50% of Benefit Amount
Full Benefit Cancer	100% of Benefit Amount	50% of Benefit Amount
Partial Benefit Cancer	25% of Benefit Amount	12.5% of Benefit Amount
Heart Attack	100% of Benefit Amount	50% of Benefit Amount
Kidney Failure	100% of Benefit Amount	None
Major Organ Transplant	100% of Benefit Amount	None
Stroke	100% of Benefit Amount	50% of Benefit Amount
Listed Conditions	Receive 25% of the initial benefit amount for 22 Conditions: Addison’s disease (adrenal hypofunction); amyotrophic lateral sclerosis (Lou Gehrig’s disease); cerebrospinal meningitis (bacterial); cerebral palsy; cystic fibrosis; diphtheria; encephalitis; Huntington’s disease (Huntington’s chorea); Legionnaire’s disease; malaria; multiple sclerosis (definitive diagnosis); muscular dystrophy; myasthenia gravis; necrotizing fasciitis; osteomyelitis; poliomyelitis; rabies; sickle cell anemia (excluding sickle cell trait); systemic lupus erythematosus (SLE); systemic sclerosis (scleroderma); tetanus; and tuberculosis. One benefit payment for a Listed Condition per lifetime.	Receive 25% of the initial benefit amount for 22 Conditions: Addison’s disease (adrenal hypofunction); amyotrophic lateral sclerosis (Lou Gehrig’s disease); cerebrospinal meningitis (bacterial); cerebral palsy; cystic fibrosis; diphtheria; encephalitis; Huntington’s disease (Huntington’s chorea); Legionnaire’s disease; malaria; multiple sclerosis (definitive diagnosis); muscular dystrophy; myasthenia gravis; necrotizing fasciitis; osteomyelitis; poliomyelitis; rabies; sickle cell anemia (excluding sickle cell trait); systemic lupus erythematosus (SLE); systemic sclerosis (scleroderma); tetanus; and tuberculosis. One benefit payment for a Listed Condition per lifetime.
Other Benefits
Health Screening Benefit	One health screening benefit of $50 per covered person per calendar year.	One health screening benefit of $50 per covered person per calendar year.

	Benefit
Monthly Premium for $1,000 of coverage	Multiply the per $1,000 rates shown below by the benefit amount divided by $1,000 and round to two decimals to calculate rates

Attained Age	Employee Only	Employee + Spouse	Employee + Child(ren)	Employee + Family
<25	$0.600	$0.970	$0.910	$1.280
25–29	$0.640	$1.050	$0.950	$1.360
30–34	$0.830	$1.320	$1.140	$1.630
35–39	$0.940	$1.500	$1.250	$1.810
40–44	$1.070	$1.780	$1.380	$2.090
45–49	$1.510	$2.540	$1.820	$2.850
50–54	$2.090	$3.580	$2.400	$3.890
55–59	$2.840	$4.930	$3.150	$5.240
60–64	$3.760	$6.640	$4.070	$6.950
65–69	$5.110	$9.170	$5.420	$9.480
70+	$7.760	$13.540	$8.070	$13.850

Downloads

Overview

Provided By

MetLife

Provider Website

www.metlife.com

Customer Service

800.523.2894

Resources

Frequently Asked Questions