Skip to main content

Voluntary Benefits

Additional voluntary insurance can provide extra security when you need it most. Learn about accident insurance, critical illness coverage, hospital indemnity insurance, legal services with ID theft protection, and pet insurance.

Documents

Related Pages

Accident Insurance

Accident insurance from MetLife is an optional supplemental insurance policy designed to provide a financial benefit to help cover the costs of being injured in an accident. Accident insurance plans pay benefits based on the type of treatment needed or expense incurred when the insured is injured in an accident. The more extensive the treatment(s), the more the policy will payout. Benefits payouts do not depend on participation in other employer insurance offerings. With MetLife, you’ll have a choice of two plans (called the “Low Plan” and the “High Plan”) that provide payments in addition to any other insurance payments you may receive.

Once your coverage is effective, you can register at mybenefits.metlife.com to view your certificate, submit a claim, update beneficiary info and more.

To learn more, visit the Plan Summary for Coverage and Rates or see the Accident Insurance FAQs.

Critical Illness Insurance

Critical illness insurance from MetLife is a special form of insurance that provides policyholders with a lump sum payment in the event of a catastrophic diagnosis. The policyholder can use the money they receive however they like. Many put it toward medical bills while others use it to replace lost wages while they go through recovery. Types of illnesses covered included are (but not limited to) heart attack, cancer, organ transplants, Parkinson’s Disease and ALS. Employees are offered a choice of the following benefit amount options: $15,000 or $30,000.

MetLife will provide an annual Health Screening Benefit of $100 per calendar year per covered family member for taking one of the eligible screening/prevention measures. Claiming your benefit is easy.

Once your coverage is effective, you can register at mybenefits.metlife.com to view your certificate, submit a claim, update beneficiary info and more.

To learn more, visit the Plan Summary for Coverage and Rates or see the Critical Illness FAQs.

Hospital Indemnity

The benefit covers planned (e.g., maternity) or unplanned (e.g., accident or illness) hospitalizations. This benefit is paid directly to you, and you can use it to help cover out-of-pocket expenses related to your hospital stay, such as deductibles, copays, coinsurance, or other costs like transportation or childcare.

Why add MetLife Hospital Indemnity Insurance?

Once your coverage is effective, you can register at mybenefits.metlife.com to view your certificate, submit a claim, update beneficiary info and more.

To learn more, visit the Plan Summary for Coverage and Rates.

How to Submit a Claim

Submit an Accident, Hospital Indemnity, or Critical Illness claim online. It’s as simple as 1-2-3:

  1. Register at mybenefits.metlife.com to view your certificate of insurance and to initiate your claim* or call 866-626-3705 to obtain a claim form*
  2. Answer some questions about your claim and upload your medical documentation to support your claim. The whole process takes just minutes!
  3. Visit MyBenefits frequently to check claim status, letters and benefit payments.
  4. A MetLife claims specialist will review your information, request any additional medical information (if necessary), and notify you in writing of a claim decision.

*For Critical Illness claims, a Physician Statement, which is available on MyBenefits, needs to be completed by your physician.

Legal Insurance with Identity Theft Protection

Legal insurance from ARAG provides affordable legal coverage for common life events like writing a will, buying a home, dealing with family matters, or settling disputes. Your monthly premium of $18.72 gives you access to a nationwide network of attorneys—at no extra cost—for a wide range of covered services.

This plan also includes identity theft protection, which connects you with case specialists who guide you through the recovery process if your identity is stolen.

To learn more or enroll, visit ARAG Legal Center (access code 18095or) or call 800-247-4184.

Pet Insurance

Pet insurance from MetLife helps cover the costs of vet visits, accidents, illness and more. With MetLife Pet Insurance, you can feel confident that their health and your wallet are protected if you’re faced with an unexpected trip to the vet. You will pay MetLife directly for your pet insurance premiums.

To learn more, visit the metlifepetinsurance.com. To get a quote or enroll, visit metlife.com/getpetquote or call 800-438-6388.