Critical Illness Insurance

Ease the financial burden of a critical illness

You have the opportunity to enroll in Critical Illness coverage . Coverage is guaranteed to you and your family. Sign up during open enrollment [October 29 – November 16].

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Financial benefits that could prove to be a lifesaver

You can never be fully prepared for a major illness. But with critical illness insurance, you can be financially prepared.

Critical Illness Insurance

Lump sum payment provides support when your family needs it most

Emotionally managing illnesses like cancer, a heart attack or stroke is hard enough. Financially managing the costs on top of this is often overwhelming. Critical illness insurance provides a lump sum payment to ensure you and your family have financial support in a difficult time. So, you’ll be able to spend less time worrying about money and more time focusing on healing.

  • You’ll receive a lump sum payment to use as you see fit
  • Use it for prescriptions, deductibles, co-payments, experiential/non-traditional treatments and even non-medical expenses like everyday bills
  • Pays out in addition to what your medical insurance covers
  • Payments may be paid directly to you, not to the doctors, hospitals or healthcare providers
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Critical Illness Insurance FAQs

Yes, you can enroll both yourself and your eligible family members.1 All you need to do is enroll during the enrollment period and be actively at work.

One of the hardest parts of managing illnesses like Cancer, Heart Attack, or Stroke is providing the support and comfort your family needs beyond the cost of care.

Even the best medical and disability income plans can leave you with extra expenses to pay or services that just aren’t covered. Things like medical plan deductibles and copays, or extra costs for out-of-network care. And if you’re out of work because of a disability, it might be that only some of your income is protected. The average family spends thousands of dollars in times of critical illness and recovery.2 Many people aren’t prepared to handle these extra costs, so having this extra financial support when the time comes may mean less worry for you and your family.

Yes. Your critical illness coverage is guaranteed,3 regardless of your health. You just need to be actively at work to be covered. There are no medical exams to take and no health questions to answer, so the whole process might be easier than you first thought.

Your plan pays an additional benefit (Recurrence Benefit) if a medical condition reoccurs for: a Heart Attack, Stroke, Coronary Artery Bypass Graft, Full Benefit Cancer, and Partial Benefit Cancer. A recurrence benefit is only available if the initial benefit has already been paid for the covered condition. And there is a benefit suspension period (or waiting period) between recurrences.4

Benefits will be paid directly to you, not to the doctors, hospitals or any other health care providers. There’s no need to work it around any other any other insurance you may have. Benefits are paid no matter what your other insurance plans may cover.

Yes. This coverage is portable, meaning you can take it wherever you go. Your coverage will only end if you stop paying your premium or if your employer offers you similar coverage with a different insurance carrier.4

1 Eligible Family Members means all persons eligible for coverage as defined in the Certificate.

2 MetLife Accident and Critical Illness Impact Study, October 2013.

3 Coverage is guaranteed provided (1) the employee is actively at work and (2) dependents are not subject to medical restrictions as set forth on the enrollment form and in the Certificate. Some states require the insured to have medical coverage. Additional restrictions apply to dependents serving in the armed forces or living overseas. [For CA-sitused cases, coverage is guaranteed provided (1) the employee is performing all of the usual and customary duties of your job at the employer’s place of business or at an alternate place approved by your employer (2) dependents are not subject to medical restrictions as set forth on the enrollment form and in the Certificate.]

4 Eligibility for portability through the Continuation of Insurance with Premium Payment provision may be subject to certain eligibility requirements and limitations. For more information, contact your MetLife representative.