Voluntary Benefits
MetLife Benefits
When life takes unexpected turns, having the right support can make all the difference. Accident, critical illness, and hospital indemnity plans through MetLife are designed to provide peace of mind and financial assistance when you need it most. These supplemental benefits offer coverage for unforeseen medical expenses, helping to ease the burden of out-of-pocket costs. Whether facing an accidental injury, a serious diagnosis, or an extended hospital stay, these plans empower you to focus on recovery instead of financial stress by paying benefits directly to you. Explore the options available to safeguard your health and financial well-being.
Accident Insurance
Accident Insurance is designed to help covered individuals meet the out-of-pocket expenses and extra bills that can follow an accidental injury, whether minor or catastrophic. Lump sum benefits are paid directly to you based on the amount of coverage listed in the schedule of benefits. The coverage is guaranteed issue so no health questions are required.
Examples of benefit coverage amounts. Click above for the full policy and benefits.
Critical Illness Insurance
Critical Illness Insurance pays a lump sum benefit direct to you upon the date of diagnosis for each of the Covered Conditions listed below. Each Covered Condition will be payable one time per Covered Person, subject to the Maximum Lifetime Limit. A 180-day separation period between the dates of diagnosis is required.
You have three different options for coverage. Click above for the full policy and benefits.
Covered conditions include, but are not limited to the following:
- Invasive cancer
- Skin cancer
- Heart attack
- Stroke
- Alzheimer's
- ALS
- Paralysis
- Coma
Hospital Indemnity Insurance
Even with comprehensive medical coverage, a hospitalization due to illness or injury can be expensive. The Hospital Indemnity Plan, offered through MetLife, helps cover out-of-pocket expenses associated with hospital stays, such as copays and deductibles. Highlights of the coverage include:
- Lump sum cash payment, regardless of any other insurance coverage you may have
- Covers planned and unplanned hospitalization
- Benefit amount based on type and length of hospital stay
- No pre-existing conditions limitations
- Maternity coverage
- Benefits are paid directly to you, to use as you choose
* If the Admission Benefit is payable for a Confinement, the Confinement Benefit will begin to be payable the day after Admission.
** Payable for the period of newborn confinement for a newborn child who is not sick or injured.
LegalShield + ID Shield
With LegalShield, get help with legal questions, personal legal matters, will preparation/updates, trial defense, and more. With IDShield, protect your identity with continuous credit monitoring, online privacy management, protection policy coverage, and more.
LegalShield
The LegalShield Membership Includes:
- Dedicated Law Firm direct access, no call center
- Legal Advice/Consultation on unlimited personal issues
- Letters/Calls made on your behalf
- Contracts/Documents reviewed up to 15 pages
- Residential Loan Document Assistance for the purchase of your primary residence
- Will Preparation - Living Will, Health Care Power of Attorney, Financial Power of Attorney
- Speeding Ticket Assistance
- IRS Audit Assistance (begins with the tax return due April 15th of the year you enroll)
- Trial Defense (if named defendant/respondent in a covered civil action suit)
- Uncontested Divorce, Separation, Adoption and/or Name Change Representation (available 90 days after enrollment)
- 25% Preferred Member Discount (bankruptcy, criminal charges, DUI, personal injury, etc.)
- 24/7 Emergency Access for covered situations
IDShield
The IDShield Membership Includes:
- Credit Monitoring continuous credit monitoring through TransUnion
- Online Privacy Management provides consultation and guidance on ways participants can protect their privacy and personally identifiable information across the internet and on smart devices
- Reputation Management & Score scans social media accounts for existing damaging content.
- Financial Account Monitoring includes checking, savings, employer 401(k) accounts, loans, and more
- $1 Million Protection Policy Coverage for lost wages, legal defense fees, stolen funds and more
- Unlimited Service Guarantee
- Identity Restoration Performed by Licensed Private Investigators to restore your identity to its pre-theft status
- 24/7 Emergency Access
Per Pay Period Premium Options
LegalShield legal plans cover the member; member’s spouse; never married dependent children under 26 living at home; dependent children under 18 for whom the member is the legal guardian; never married dependent children up to age 26 if a full-time college student; or physically or mentally disabled dependent children.
IDShield plans are available at individual or family rates. A family plan provides monitoring services for up to ten (10) eligible dependent children under the age of 18 of the Named Member or Named Member's spouse or domestic partner. It also provides consultation and restoration services for dependent children ages 18 to 26.