Benefit Contact Information
Higginbotham Public Sector (800) 583-6908 www.mybenefitshub.com/lgbs
Madalyn Martinez madalyn.martinez@lgbs.com
& VOLUNTARY
Patricia Crowell patricia.crowell@lgbs.com
Stephanie Most stephanie.most@lgbs.com
AustinHR-Benefits@lgbs.com
AUL a OneAmerica Company Group #614838 (800) 553-5318 www.oneamerica.com CHUBB (888) 499-0425
VOYA Group #694819 (800) 955-7736 www.voya.com VOYA Group #694819 (800) 955-7736 www.voya.com
OneAmerica (855) 365-4754 www.oneamerica.com MetLife (800) 438-6388
Clever RX Group # 1085 (800) 873-1195 https://cleverrx.com/
AUL a OneAmerica Company Group #614838 (800) 553-5318 Claims: (855) 517-6365 www.oneamerica.com
5Star Life Insurance Company (866) 863-9753 www.5starlifeinsurance.com
• Login and complete your benefit enrollment from 10/07/2024 - 10/27/2024
• Enrollment assistance is available by calling Higginbotham Public Sector at (866) 914-5202.
• Update your information: home address, phone numbers, email, and beneficiaries.
• REQUIRED!! Due to the Affordable Care Act (ACA) reporting requirements, you must add your dependent’s CORRECT social security numbers in the online enrollment system. If you have questions, please contact your Benefits Administrator.
1 www.mybenefitshub.com/lgbs
2
3
4
Enter your Information
• Last Name
• Date of Birth
• Last Four (4) of Social Security Number
NOTE: THEbenefitsHUB uses this information to check behind the scenes to confirm your employment status. CLICK LOGIN
Once confirmed, the Additional Security Verification page will list the contact options from your profile. Select either Text, Email, Call, or Ask Admin options to receive a code to complete the final verification step.
5
Enter the code that you receive and click Verify. You can now complete your benefits enrollment!
Annual Benefit Enrollment
Employee Eligibility Requirements
Medical and Supplemental Benefits: Eligible employees must work 20 or more regularly scheduled hours each work week.
Eligible employees must be actively at work on the plan effective date for new benefits to be effective, meaning you are physically capable of performing the functions of your job on the first day of work concurrent with the plan effective date. For example, if your 2025 benefits become effective on January 1, 2025, you must be actively-at-work on January 1, 2025 to be eligible for your new benefits.
Dependent Eligibility Requirements
Dependent Eligibility: You can cover eligible dependent children under a benefit that offers dependent coverage, provided you participate in the same benefit, through the maximum age listed below. Dependents cannot be double covered by married spouses within the same employer as both employees and dependents.
Please note, limits and exclusions may apply when obtaining coverage as a married couple or when obtaining coverage for dependents.
Potential Spouse Coverage Limitations: When enrolling in coverage, please keep in mind that some benefits may not allow you to cover your spouse as a dependent if your spouse is enrolled for coverage as an employee under the same employer. Review the applicable plan documents, contact Higginbotham Public Sector, or contact the insurance carrier for additional information on spouse eligibility.
FSA/HSA Limitations: Please note, in general, per IRS regulations, married couples may not enroll in both a Flexible Spending Account (FSA) and a Health Savings Account (HSA). If your spouse is covered under an FSA that reimburses for medical expenses then you and your spouse are not HSA eligible, even if you would not use your spouse’s FSA to reimburse your expenses. However, there are some exceptions to the general limitation regarding specific types of FSAs. To obtain more information on whether you can enroll in a specific type of FSA or HSA as a married couple, please reach out to the FSA and/or HSA provider prior to enrolling or reach out to your tax advisor for further guidance.
If your dependent is disabled, coverage may be able to continue past the maximum age under certain plans. If you have a disabled dependent who is reaching an ineligible age, you must provide a physician’s statement confirming your dependent’s disability. Contact your HR/Benefit Administrator to request a continuation of coverage.
Potential Dependent Coverage Limitations: When enrolling for dependent coverage, please keep in mind that some benefits may not allow you to cover your eligible dependents if they are enrolled for coverage as an employee under the same employer. Review the applicable plan documents, contact Higginbotham Public Sector, or contact the insurance carrier for additional information on dependent eligibility.
Disclaimer: You acknowledge that you have read the limitations and exclusions that may apply to obtaining spouse and dependent coverage, including limitations and exclusions that may apply to enrollment in Flexible Spending Accounts and Health Savings Accounts as a married couple. You, the enrollee, shall hold harmless, defend, and indemnify Higginbotham Public Sector from any and all claims, actions, suits, charges, and judgments whatsoever that arise out of the enrollee’s enrollment in spouse and/or dependent coverage, including enrollment in Flexible Spending Accounts and Health Savings Accounts.
Helpful Definitions
Actively-at-Work
You are performing your regular occupation for the employer on a full-time basis, either at one of the employer’s usual places of business or at some location to which the employer’s business requires you to travel. If you will not be actively at work beginning 1/1/2025 please notify your benefits administrator.
Annual Enrollment
The period during which existing employees are given the opportunity to enroll in or change their current elections.
Annual Deductible
The amount you pay each plan year before the plan begins to pay covered expenses.
Calendar Year
January 1st through December 31st
Co-insurance
After any applicable deductible, your share of the cost of a covered health care service, calculated as a percentage (for example, 20%) of the allowed amount for the service.
Guaranteed Coverage
The amount of coverage you can elect without answering any medical questions or taking a health exam. Guaranteed coverage is only available during initial eligibility period. Actively-at-work and/or preexisting condition exclusion provisions do apply, as applicable by carrier.
In-Network
Doctors, hospitals, optometrists, dentists and other providers who have contracted with the plan as a network provider.
Out-of-Pocket Maximum
The most an eligible or insured person can pay in coinsurance for covered expenses.
Plan Year
January 1st through December 31st
Pre-Existing Conditions
Applies to any illness, injury or condition for which the participant has been under the care of a health care provider, taken prescriptions drugs or is under a health care provider’s orders to take drugs, or received medical care or services (including diagnostic and/or consultation services).
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ST EP 4:
Share the Clever RX App. Click "Share" on the bottom of the Clever RX App to send your friends, family, and anyone else you want to help receive instant discounts on their prescription medication. Over 70% of people can benefit from a prescription savings card.
TH A T IS N O T ONLY CL EVER, I T IS CL EVE R RX .
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Ov er 3 0 % of
Life and AD&D
AUL a OneAmerica Company
ABOUT LIFE AND AD&D
Group term life is the most inexpensive way to purchase life insurance. You have the freedom to select an amount of life insurance coverage you need to help protect the well-being of your family.
Accidental Death & Dismemberment is life insurance coverage that pays a death benefit to the beneficiary, should death occur due to a covered accident. Dismemberment benefits are paid to you, according to the benefit level you select, if accidentally dismembered.
For full plan details, please visit your benefit website: www.mybenefitshub.com/lgbs
What you need to know about your Basic Life and AD&D Benefits
Guaranteed Issue: Employee: $15,000
Accidental Death and Dismemberment (AD&D): Additional life insurance benefits may be payable in the event of an accident which results in death or dismemberment as defined in the contract. Additional AD&D benefits include seat belt, air bag, repatriation, child higher education, child care, paralysis/loss of use, severe burns, disappearance, and exposure.
Accelerated Life Benefit: If diagnosed with a terminal illness and have less than 12 months to live, you may apply to receive 25%, 50% or 75% of your life insurance benefit to use for whatever you choose.
Reductions: Upon reaching certain ages, your original benefit amount will reduce to the percentage shown in the following schedule.
Basic Employee Life and AD&D Coverage
Your Life and AD&D insurance coverage amount is $15,000. Coverage is provided at no cost to you.
Hospital Indemnity CHUBB
ABOUT HOSPITAL INDEMNITY
This is an affordable supplemental plan that pays you should you be inpatient hospital confined. This plan complements your health insurance by helping you pay for costs left unpaid by your health insurance.
For full plan details, please visit your benefit website: www.mybenefitshub.com/lgbs
Hospital Cash
It’s not easy to pay hospital bills, especially if you have a high deductible medical plan. Chubb Hospital Cash pays money directly to you if you are hospitalized so you can focus on your recovery. And since the cash goes directly to you, there are no restrictions on how you use your money.
Hospitalization and Rehabilitation Benefits
Hospital Admission Benefit
This benefit is for admission to a hospital or hospital sub-acute intensive care unit.
Hospital Admission ICU Benefit
This benefit is for admission to a hospital intensive care unit.
Hospital Confinement Benefit
This benefit is for confinement in hospital or hospital sub-acute intensive care unit.
Hospital Confinement ICU Benefit
The benefit for confinement in a hospital intensive care unit.
Newborn Nursery Benefit
This benefit is payable for an insured newborn baby receiving newborn nursery care and who is not confined for treatment of a physical illness, infirmity, disease, or injury.
Observation Unit Benefit
This benefit is for treatment in a hospital observation unit for a period of less than 20 hours.
Rehabilitation Unit Confinement Benefit
This benefit is for confinement in a rehabilitation unit.
Wellness Benefit
• $1,000
• Maximum Benefit Per Calendar Year: 5
• $2,000
• Maximum Benefit Per Calendar Year: 5
• $100 Per Day
• Days 2 through 31
• Maximum Days Per Calendar Year: 30
• $200 Per Day
• Days 2 through 31
• Maximum Days Per Calendar Year: 30
• $500 Per Day
• Maximum Days per ConfinementNormal Delivery: 2
• Maximum Days per ConfinementCaesarean Section: 2
• $100
• Maximum Benefit Per Calendar Year: 1
• $100 Per Day
• Payable Per Day for Days 2 through 31
• Maximum Days Per Calendar Year: 30
• $50 Per Day
• Maximum Days Per Calendar Year: 1
• $2,000
• Maximum Benefit Per Calendar Year: 5
• $4,000
• Maximum Benefit Per Calendar Year: 5
• $300 Per Day
• Days 2 through 31
• Maximum Days Per Calendar Year: 30
• $600 Per Day
• Days 2 through 31
• Maximum Days Per Calendar Year: 30
• $500 Per Day
• Maximum Days per ConfinementNormal Delivery: 2
• Maximum Days per ConfinementCaesarean Section: 2
• $200
• Maximum Benefit Per Calendar Year: 1
• $200 Per Day
• Payable Per Day for Days 2 through 31
• Maximum Days Per Calendar Year: 3
• $50 Per Day
• Maximum Days Per Calendar Year: 1
Exclusions and Limitations* We will not pay for any Covered Accident or Covered Sickness that is caused by, or occurs as a result of: 1) committing or attempting to commit suicide or intentionally injuring oneself; 2) war, or serving in any of the armed forces or its auxiliary units; 3) participating in an illegal occupation or attempting to commit or committing a felony; 4) sky diving, hang gliding, parachuting, bungee jumping, parasailing, or scuba diving; 5) being intoxicated or being under the influence of narcotics or other prescription drug unless taken in accordance with Physician’s instructions; 6) alcoholism; 7) cosmetic surgery, except for reconstructive surgery needed as the result of an Injury or Sickness or is related to or results from a congenital disease or anomaly of a covered Dependent Child; 8) services related to sterilization or its reversal, in vitro fertilization, and diagnostic treatment of infertility or other related problems. A Physician cannot be You or a member of Your Immediate Family, Your business or professional partner, or any person who has a financial affiliation or business interest with You.
Disability Insurance AUL a OneAmerica Company
ABOUT DISABILITY
Disability insurance protects one of your most valuable assets, your paycheck. This insurance will replace a portion of your income in the event that you become physically unable to work due to sickness or injury for an extended period of time. For full plan details, please visit your benefit website: www.mybenefitshub.com/lgbs
Why should you consider purchasing disability insurance protection at your workplace?
Many of us lead busy lives and seldom take time to think about life’s risks. Consider the following reasons many people purchase disability insurance:
• Lost wages
• Daily living expenses, such as Mortgage / rent, Utilities, Car, Food, Childcare, Eldercare, Hobbies, Pet Care, etc.
Worksite Disability Short Term Insurance Coverage for Eligible Employees
About your benefit options:
• Short Term Disability (STD) benefits are illustrated weekly and are paid on a weekly basis.
• Amounts not requested timely will require Evidence of Insurability.
• Benefit amounts are based upon a percentage of covered earnings. Potential benefits are reduced by other income offsets including but not limited to Social Security benefits.
What you need to know about your Worksite Long Term Disability Benefits
Elimination Period: This is a period of consecutive days of disability before benefits may become payable under the contract Maximum Benefit Duration: This is the length of time that you may be paid benefits if continuously disabled as outlined in the contract.
Pre-Existing Condition Period: Certain disabilities are not covered if the cause of the disability is traceable to a condition existing prior to your effective date of coverage.
Worksite Long Term Disability Coverage Option 1
Your benefit is 60% of your monthly pre-disability earnings, up to a maximum monthly benefit of $10,000.
Disability Insurance
AUL a OneAmerica Company
Traditional LTD and STD Disability - Definitions
What is disability insurance? Disability insurance protects one of your most valuable assets, your paycheck. This insurance will replace a portion of your income in the event that you become physically unable to work due to sickness or injury for an extended period of time.
Pre-Existing Condition Limitations - Please note that all plans will include pre-existing condition limitations that could impact you if you are a first-time enrollee in your employer’s disability plan. This includes during your initial new hire enrollment. Please review your plan details to find more information about pre-existing condition limitations.
How do I choose which plan to enroll in during my open enrollment?
You will enroll in Long Term and Short Term Disability on two separate pages during your open enrollment walkthrough. Generally your short term coverage and long term coverage work together so that once your short term coverage ends, at that time your long term coverage would begin if you are still disabled and approved to remain on your claim. In other words, your short term coverage may continue for up to 12 weeks and your long term coverage begins the 13th week.
Your short term coverage will generally be a weekly benefit. This is the maximum amount of money you will receive from the carrier on a weekly basis once your disability claim is approved by the carrier. This is generally a flat percentage of your salary.
Your long term coverage will generally be a monthly benefit. This is the maximum amount of money you will receive from the carrier on a monthly basis once your disability claim is approved by the carrier. This is generally a flat percentage of your salary.
Accident Insurance
ABOUT ACCIDENT
Do you have kids playing sports, are you a weekend warrior, or maybe accident prone? Accident plans are designed to help pay for medical costs associated with accidents and benefits are paid directly to you.
For full plan details, please visit your benefit website: www.mybenefitshub.com/lgbs
What is Accident Insurance?
Accident Insurance provides a benefit payment after a covered accident that results in the specific injuries and treatments listed in this document. To be eligible, the accident must happen outside of work. Some of the most common treatments and conditions we pay benefits for include:
• ER Treatment
• X-Rays
• Physical Therapy
• Stitches
• Follow-Up Doctor Treatment(s)
The Accident Insurance available through your employer also features the following:
• $50 to use however you’d like
Wellness Benefit
• Complete an eligible health screening test (such as an annual physical) and
• receive a benefit payment.
• Your annual benefit amount is $50. Your spouse’s benefit amount is $50.
• The benefit for child coverage is $50
Schedule of Benefits
• Your coverage includes a Sport Accident Benefit. This means that if your accident occurs while participating in an organized sporting activity (as defined in the certificate of coverage); the benefit amounts in the accident hospital care, accident care or common injuries sections below will be increased by 25%; to a maximum additional benefit of $1,000.
Accident Insurance Voya
Critical Illness Insurance
ABOUT CRITICAL ILLNESS
Critical illness insurance can be used towards medical or other expenses. It provides a lump sum benefit payable directly to the insured upon diagnosis of a covered condition or event, like a heart attack or stroke. The money can also be used for non-medical costs related to the illness, including transportation, child care, etc.
For full plan details, please visit your benefit website: www.mybenefitshub.com/lgbs
How much coverage is available?
You have the option to enroll in coverage in the amount(s) below.
For you
Your spouse
Your children*
Choice of $5,000, $10,000, $15,000, $20,000, $25,000, or $30,000
Choice of $5,000, $10,000, $15,000, $20,000, $25,000 or $30,000 not to exceed 100% of the employee benefit
Choice of $1,000, $2,500, $5,000, $10,000, or $15,000 not to exceed 50% of Employee Benefit
*Children birth to age 26; no limit to the number of children per family.
What’s covered by Critical Illness Insurance?
Critical Illness Insurance provides benefits for the covered conditions and diagnoses shown below. The most common conditions we pay claims for include:
• Heart Attack
• Kidney Failure**
• Stroke
• Coronary Artery Bypass
• Cancer
Sample benefit amounts
If one of these events happens on or after your coverage effective date, and your claim is approved, benefits are payable at 100% of the Critical Illness benefit amount shown above unless otherwise stated. Use your benefit payment however you’d like: Coverage Amount
artery bypass
* A sudden cardiac arrest is not in itself considered a heart attack.
** Major organ transplant means the irreversible failure of your heart, lung, pancreas, entire kidney or liver, or any combination thereof, determined by a physician specialized in care of the involved organ.
Wellness Benefit
Complete an eligible health screening test, and we’ll send you a benefit payment to use however you’d like.
• Your annual benefit amount is $50. Your spouse’s benefit amount is $50.
• The benefit for child coverage is $50.
Critical Illness Insurance
Benefits of Covered Children:
Life and AD&D
AUL a OneAmerica Company
ABOUT LIFE AND AD&D
Group term life is the most inexpensive way to purchase life insurance. You have the freedom to select an amount of life insurance coverage you need to help protect the well-being of your family.
Accidental Death & Dismemberment is life insurance coverage that pays a death benefit to the beneficiary, should death occur due to a covered accident. Dismemberment benefits are paid to you, according to the benefit level you select, if accidentally dismembered.
For full plan details, please visit your benefit website: www.mybenefitshub.com/lgbs
What you need to know about your Voluntary Term Life and AD&D Benefits
Flexible Options:
• Employee: $10,000 to $1,000,000, in $10,000 increments, not to exceed 5 times your annual salary
• Spouse under age 99: $10,000 to $250,000, in $10,000 increments, not to exceed 100% of the employee’s amount
Guaranteed Issue:
Employee: $250,000 Spouse: $50,000 Child: $10,000 Dependent Life Coverage: Optional dependent life coverage is available to eligible employees. You must select employee coverage in order to cover your spouse and/or child(ren).
Accidental Death and Dismemberment (AD&D): Additional life insurance benefits may be payable in the event of an accident which results in death or dismemberment as defined in the contract. Additional AD&D benefits include seat belt, air bag,
repatriation, child higher education, child care, paralysis/loss of use, severe burns, disappearance, and exposure.
Accelerated Life Benefit: If diagnosed with a terminal illness and have less than 12 months to live, you may apply to receive 25%, 50% or 75% of your life insurance benefit to use for whatever you choose.
Guaranteed Increase In Benefit: You may be eligible to increase your coverage annually until you reach your maximum amount without providing evidence of insurability.
Reductions: Upon reaching certain ages, your original benefit amount will reduce to the percentage shown in the following schedule. The amounts of dependent life insurance and dependent AD&D principal sum will reduce according to the employee’s reduction schedule.
Individual Life Insurance 5Star Life Insurance Company
ABOUT INDIVIDUAL LIFE
Individual insurance is a policy that covers a single person and is intended to meet the financial needs of the beneficiary, in the event of the insured’s death. This coverage is portable and can continue after you leave employment or retire.
For full plan details, please visit your benefit website: www.mybenefitshub.com/lgbs
Enhanced coverage options for employees.
The 5Star Life Insurance Company’s Family Protection Plan offers both Individual products with Terminal Illness coverage to age 121, making it easy to provide the right benefit for you and your employees.
CUSTOMIZABLE
With several options to choose from, employees select the coverage that best meets the needs of their families.
TERMINAL ILLNESS ACCELERATION OF BENEFITS
Coverage that pays 30% (25% in CT and MI) of the coverage amount in a lump sum upon the occurrence of a terminal condition that will result in a limited life span of less than 12 months (24 months in IL).
PORTABLE
Coverage continues with no loss of benefits or increase in cost if employment terminates after the first premium is paid. We simply bill the employee directly.
CONVENIENCE
Easy payments through payroll deduction.
FAMILY PROTECTION
Coverage is available for spouses and financially dependent children, even if the employee doesn’t elect coverage on themselves.
* Financially dependent children 14 days to 26 years old.
PROTECTION TO COUNT ON
Within one business day of notification, payment of 50% of coverage or $10,000 whichever is less is mailed to the beneficiary, unless the death is within the two-year contestability period and/or under investigation. This coverage has no war or terrorism exclusions.
QUALITY OF LIFE
Optional benefit that accelerates a portion of the death benefit on a monthly basis, up to 75% of your benefit, and is payable directly to you on a tax favored basis for the following:
• Permanent inability to perform at least two of the six Activities of Daily Living (ADLs) without substantial assistance; or
• Permanent severe cognitive impairment, such as dementia, Alzheimer’s disease and other forms of senility, requiring substantial supervision
Employee Assistance Program (EAP)
ABOUT EAP
An Employee Assistance Program (EAP) is a program that assists you in resolving problems such as finding child or elder care, relationship challenges, financial or legal problems, etc. This program is provided by your employer at no cost to you.
For full plan details, please visit your benefit website: www.mybenefitshub.com/lgbs
Contact Us... Anytime, Anywhere No-cost, confidential solutions to life’s challenges.
Confidential Emotional Support
Our highly trained clinicians will listen to your concerns and help you or your family members with any issues, including:
• Anxiety, depression, stress
• Grief, loss and life adjustments
• Relationship/marital conflicts
• 6 in-person sessions per issue, per year
Work-Life Solutions
Our specialists provide qualified referrals and resources for just about anything on your to-do list, such as:
• Finding child and elder care
• Hiring movers or home repair contractors
• Planning events, locating pet care
Legal Guidance
Talk to our attorneys for practical assistance with your most pressing legal issues, including:
• Divorce, adoption, family law, wills, trusts and more
• Need representation? Get a free 30-minute consultation and a 25% reduction in fees.
Financial Resources
Our financial experts can assist with a wide range of issues. Talk to us about:
• Retirement planning, taxes
• Relocation, mortgages, insurance
• Budgeting, debt, bankruptcy and more
Online Support
GuidanceResources® Online is your 24/7 link to vital information, tools and support. Log on for:
• Articles, podcasts, videos, slideshows
• On-demand trainings
• “Ask the Expert” personal responses to your questions
Free Online Will Preparation
EstateGuidance® lets you quickly and easily create a will online.
• Specify your wishes for your property
• Provide funeral and burial instructions
• Choose a guardian for your children
Your ComPsych® GuidanceResources® program offers someone to talk to and resources to consult whenever and wherever you need them.
Call: 855.365.4754
TTY: 800.697.0353
Your toll-free number gives you direct, 24/7 access to a GuidanceConsultantSM , who will answer your questions and, if needed, refer you to a counselor or other resources.
Online: guidanceresources.com
App: GuidanceNowSM
Web ID: ONEAMERICA6
Log on today to connect directly with a GuidanceConsultantSM about your issue or to consult articles, podcasts, videos and other helpful tools.
24/7 Support, Resources & Information
Contact Your ComPsych® GuidanceResources® Program
Call: 855.365.4754
TTY: 800.697.0353
Online: guidanceresources.com
App: GuidanceNowSM
Web ID: ONEAMERICA6
Copyright © 2021 ComPsych Corporation. All rights reserved.
ABOUT PET INSURANCE
You love your pet and consider them a member of your family. Pet insurance provides pet parents resources to keep your pet safe and healthy while avoiding financial crisis due to unexpected pet medical emergencies.
For full plan details, please visit your benefit website: www.mybenefitshub.com/lgbs
Help protect your pet from costly vet bills
More than ever, pets play such a huge role in our lives. We want to do everything to keep them safe and healthy. Help make sure your furry family members are protected against unplanned vet expenses for covered accidents or illnesses with MetLife Pet Insurance.1
Visits to the vet can be unpredictable and expensive. Pet parents spend over $29.3 billion on vet care annually.2 24% of pet parents have gone into credit card or personal loan debt as a result.3
A small monthly payment can help you prepare for those unexpected vet expenses down the road.
How it works:
Enroll today!
For questions, please call MetLife at 1 800 GET-MET8 (1 800 438-6388)
Why MetLife Pet Insurance?
• Flexible offerings with straightforward pricing
• Quick 3-step enrollment and hassle-free claims
• An experienced team of pet advocates
Hypothetical savings example when visiting a licensed veterinarian, specialist or emergency clinic in the U.S.
“Bella, a two-year old mixed breed dog, needed emergency surgery after swallowing some small rocks. Bella pulled through, but not until incurring an emergency vet bill of $2,560. Since Bella’s owner, Trevor, had MetLife Pet Insurance, he was reimbursed4 for 90% of the bill once the deductible was met. Thanks to his smart decision to enroll, Trevor saved $2,304 in out-of-pocket vet expenses.5”
Know what your plan covers… MetLife Pet Insurance1 helps cover the costs of vet visits, accidents, illness and more.
Get regular check-ups to help protect your pet
Your
benefit in action
Be better prepared for unexpected accidents Help cover the costs of unplanned illness
Take advantage of how simple it is to get – and use – MetLife Pet Insurance1:
• Select and enroll in the coverage that’s right for you and your pet and download our mobile app.
• Take your pet to the vet and pay the bill.
• Send the bill and your claim to us and receive reimbursement4 by check or direct deposit if the claim expense is covered under the policy.
2025 Plan Year
Enrollment Guide General Disclaimer: This summary of benefits for employees is meant only as a brief description of some of the programs for which employees may be eligible. This summary does not include specific plan details. You must refer to the specific plan documentation for specific plan details such as coverage expenses, limitations, exclusions, and other plan terms, which can be found at the LGBS Benefits Website. This summary does not replace or amend the underlying plan documentation. In the event of a discrepancy between this summary and the plan documentation the plan documentation governs. All plans and benefits described in this summary may be discontinued, increased, decreased, or altered at any time with or without notice.
Rate Sheet General Disclaimer: The rate information provided in this guide is subject to change at any time by your employer and/or the plan provider. The rate information included herein, does not guarantee coverage or change or otherwise interpret the terms of the specific plan documentation, available at the LGBS Benefits Website, which may include additional exclusions and limitations and may require an application for coverage to determine eligibility for the health benefit plan. To the extent the information provided in this summary is inconsistent with the specific plan documentation, the provisions of the specific plan documentation will govern in all cases.
