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Critical Illness Insurance

What Do I Need to Know to Enroll? 

Decide if you'd like to participate in the Critical Illness insurance and at what coverage level.

Enter your choice during your benefits enrollment event.

Insured Coverage Options
Employee Category Benefit Amount of $10,000
Spouse/Domestic Partner $10,000 as long as the employee applied for coverage
Dependent Children $10,000 per dependent child as long as the employee applied for coverage.

Metlife Critical Illness Insurance Plan Summary (pdf)

Covered Conditions

Category 1 (incorporates all cancer-related conditions)

  • Full Benefit Cancer
  • Partial Benefit Cancer
  • Bone Marrow Transplant

Category 2 (incorporates all heart-related conditions)

  • Heart Attack
  • Heart Transplant
  • Stroke+
  • Coronary Artery Bypass Graft

Category 3 (incorporates all other covered conditions)

  • Major Organ Transplant (other than bone marrow and heart)
  • Kidney Failure

Critical Illness Example

The following example shows you the payment you could receive if you purchased a $10,000 category benefit amount where all group policy and certificate requirements for coverage have been met:

You are diagnosed as having lung cancer.

MetLife would pay 100% of the category benefit amount = $10,000.This would close Category 1 (cancer-related conditions) and you would not receive any further payment under this policy if you have another cancer-related condition. You are still eligible for benefits for covered conditions in Categories 2 and 3.

Two years later, you have a coronary artery bypass graft.

MetLife would pay 25% of the category benefit amount = $2,500.You would still have 75% of the category benefit amount available if you experience another covered condition within Category 2 (heart related conditions).

Then, the following year, you suffer a debilitating stroke.

MetLife would pay the remainder of the category benefit amount for Category 2  -- 75% of $10,000 = $7,500.This would close Category 2 (heart-related conditions) and you would not receive any further payments under this policy if you have another heart-related condition. You are still eligible for benefits for covered conditions in Category 3 (other conditions).

Three years later, you have kidney failure.

MetLife would pay 100% of the category benefit amount = $10,000.This would close Category 3 (other conditions). Since you have exhausted 100% of the category benefit amounts in each of the three categories, the coverage will be terminated.

The above example illustrates that during the life of the Critical Illness Insurance certificate with a category benefit amount of $10,000, it is possible to receive a total of $30,000. This is the maximum amount that you could receive under a certificate with a $10,000 category benefit amount.

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