Critical Illness Insurance
Critical illnesses can happen when you least expect them — and they can be costly.
Recover First, Worry Less
Handling the emotions that come up when experiencing an unplanned and severe illness is difficult enough. Worrying about your financial stability on top of this can obviously be overwhelming. With critical illness insurance, MetLife helps you and your family have the financial stability necessary to focus on healing during a difficult time.
Critical Illness Insurance through your employer may offer benefits for:
- A lump sum benefit payment to use as you see fit
- Dependent coverage for a spouse or partner and children2
- No obligation to submit expense receipts
- Portable coverage options should you leave your current employer3
For complete plan details, talk with your company’s benefits administrator.
Focus on Feeling Better
Critical Illness Insurance helps you and your family have the financial stability needed with a lump sum payment to use however you wish.
Did You Know?
Major illness could cost you more than $15,0003 With additional insurance, you can manage these expenses.
Closing the Financial Gap
Stephanie and Omrae discuss how critical illness insurance can protect your financial situation during a difficult time in your or a loved one's life.
Need Help?
Log in to your MyBenefits account or access employer information.
FAQs
Yes, you can use your benefit payment as you see fit. Use it to help cover your household bills, medical insurance deductibles, copayments, and more.
Payments will be paid directly to you, not to the doctors, hospitals, or other healthcare providers. You will receive a check, payable to you, for maximum convenience.
Critical illnesses can happen when you least expect them — and they can be costly. Even quality medical plans can leave you with extra expenses to pay. Costs like plan deductibles, copays for doctor visits, and extra costs for out-of-network care can add up fast. Having the financial support you may need when the time comes means less worry for you and your family.1
Yes. If your employer offers critical illness insurance, your acceptance is guaranteed, regardless of your health. You just need to be actively employed for your coverage to be effective.4 There are no medical exams to take and no health questions to answer.
No. Your critical illness insurance will be effective on the date of your coverage as long as you are actively employed. There are no waiting periods to satisfy.
Yes. Within 3 days of receipt, we’ll send a Claims Acknowledgment Letter. Also, you can choose to receive payments the way you want — electronic funds transfer or check.
NEXT STEPS
Contact your employer for more information.