Supplemental Insurance

Supplemental Insurance: MetLife

MetLife is different from major medical insurance. If you’re sick, injured or hospitalized, MetLife pays cash benefits directly to you to help address out-of-pocket medical costs and everyday expenses. MetLife voluntary insurance provides the added comfort of being better prepared for whatever life may bring.

Personal Accident

After an off-the-job accident, you may have expenses you’ve never thought about. It’s reassuring to know that an accident insurance plan can be there for you through the many stages of care, from the initial emergency treatment or hospitalization, to follow-up treatments or physical therapy.

Personal Accident insurance (with the advantage of group rates) helps with out-of-pocket costs that arise when you have a covered accident such as a fracture, dislocation, or laceration. Benefits: • More than 50 events that trigger benefits payments • Outpatient Medical Benefit • Hospital Admission Benefit • Hospital Confinement Benefit • Guaranteed-issue coverage with no under$10,000 and $20,000 writing required • Portable coverage that allows associates to retain coverage at the same rate if their employment status changes

Critical Illness

The MetLife Critical Illness Insurance plan can help with the treatment costs of covered critical illnesses, such as cancer, a heart attack, or a stroke. More importantly, the plan helps you focus on recuperation instead of the distraction and stress over the costs of medical bills. With Critical Illness Insurance, you receive cash benefits directly (unless otherwise assigned)— giving you the flexibility to help pay bills related to treatment or to help with everyday living expenses.

Hospital Indemnity

Benefits:

The Metlife Hospital Indemnity Insurance plan can help with the hospital costs that you may incur due to hospital admission, ICU containment or in-patient rehabilitation (due to injury). This plan can complement your health plan and help satisfy out-of-pocket expenses such as deductibles, co-pays or non-covered medical expenses. Benefits: • Lump-sum benefit for a covered critical illness such as: cancer, heart attack, stroke, major organ transplant, and end-stage renal failure • Benefit for a recurrence of the same critical illness if separated by at least 12 months • An additional occurrence of a different critical illness if separated by at least 6 months • A wellness benefit is provided if you complete at least one covered health screening • A choice between two coverage levels:

25 • $1,000 Hospital Admission reimbursement • $200 per day confinement reimbursement for up to 31 days • $200 per day Inpatient Rehabilitation Benefit reimbursement for up to 15 days following an admission or confinement