Critical Illness Insurance

Critical Illness Insurance  

Overview

While you can never be fully prepared for a major illness, MetLife’s Critical Illness Insurance can help you be better financially prepared.

 

Emotionally managing covered illnesses like cancer1, a heart attack or a stroke2 is hard enough. Financially managing the costs related to the covered illnesses on top of this is often overwhelming. Critical illness insurance provides a lump sum payment for covered conditions to help 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
Enrollment

Add critical illness insurance to help offset expenses that may not be covered under your employer's existing medical insurance and disability plans.

ENROLL – AMENTUM JT4

 

Outside of new hire enrollment period, enrollment is limited to annual enrollment and qualifying life events.

Contact Us

 Address
Mercer Voluntary Benefits
12421 Meredith Drive
Urbandale, IA 50398
 Phone
1-855-373-1758
 Hours
  M-F 9a-6p ET
 Email
employerbenefitsinquiries.service@mercer.com

How It Works

FAQs

Answers about the plan, including eligibility, options, enrollment, customer service and more.

  • Who is the provider?

    With over 145 years of experience, MetLife is a recognized leader in protection planning and retirement & savings solutions.
  • How can this help me?

    Gives you the comfort to recover in confidence while avoiding the financial strain a serious illness can cause.

    MetLife Critical Illness insurance provides a lump-sum payment if you or a covered family member are diagnosed with a covered medical condition and meet the policy and certificate requirements.
  • Who can enroll?

    You, your spouse and eligible children qualify for this coverage. You and your eligible family members just need to enroll during your employer's enrollment period and be actively at work for your coverage to be effective.
  • When can I enroll?

    As a new hire, you can enroll during your new hire enrollment period. Outside of your new hire enrollment period, enrollment is limited to the annual enrollment period.
  • What if my employment status changes?

    When you leave or retire from your current employer, you can continue your coverage without interruption, subject to applicable law and the policies' terms and conditions. Although payroll deduction will no longer be available, you can opt for other payment methods such as direct bank account deduction, or home billing.

    Your coverage will only end if you stop paying your premium or if your employer offers you similar coverage with a different insurance carrier.5
  • What serious illnesses and diseases am I covered for?

    Critical illness insurance helps you manage expenses — so you can focus on getting well.

     

    As long as you or your loved one meets the policy and certificate requirements, the following medical conditions are covered:

    • Full Benefit Cancer7
    • Partial Benefit Cancer7
    • Heart Attack
    • Stroke8
    • Coronary Artery Bypass Graft9
    • Kidney Failure
    • Alzheimer’s Disease10
    • Major Organ Transplant
    • 22+ Listed Conditions11
  • What happens if I recover and then I’m diagnosed again?

    Your plan pays a recurrence benefit if a medical condition occurs again for the following conditions: heart attack, stroke, coronary artery bypass graft, full benefit cancer, partial benefit cancer. A recurrence benefit is only available if initial benefit of a covered condition has been paid. And, there is a benefit suspension period (waiting period) between recurrences.12

Please review the Disclosure Statement or Outline of Coverage/Disclosure Document for specific information about cancer benefits. Not all types of cancer are covered. Some cancers are covered at less than the Initial Benefit Amount. For NH-sitused cases and NH residents, there is an initial benefit of $100 for All Other Cancer.
In certain states, the Covered Condition is Severe Stroke.

 

METLIFE CRITICAL ILLNESS INSURANCE (CII ) IS A LIMITED BENEFIT GROUP INSURANCE POLICY. Like most group accident and health insurance policies, MetLife's CII policies contain certain exclusions, limitations and terms for keeping them in force. Product features and availability may vary by state. In most plans, there is a pre-existing condition exclusion. After a covered condition occurs, there is a benefit suspension period during which most plans do not pay recurrence benefits, except in the case of insureds covered under a New York certificate. MetLife offers CII on both an Attained Age and an Issue Age basis. Attained Age rates are based on 5-year age bands and will increase when a Covered Person reaches a new age band. MetLife’s Issue Age CII is guaranteed renewable and may be subject to benefit reductions that begin at age 65. Premium rates for MetLife’s Issue Age CII are based on age at the time of the initial coverage effective date and will not increase due to age; premium rates for increases in coverage, including the addition of dependents coverage, if applicable, will be based on the covered person’s age at the time of the initial coverage effective date. Rates are subject to change for MetLife’s Issue Age CII on a class-wide basis. A more detailed description of the benefits, limitations, and exclusions applicable to both Attained Age and Issue Age CII can be found in the applicable Disclosure Statement or Outline of Coverage/Disclosure Document available at time of enrollment. For complete details of coverage and availability, please refer to the group policy form GPNP07-CI, GPNP09-CI or GPNP14-CI, or contact MetLife for more information. Benefits are underwritten by Metropolitan Life Insurance Company, New York, New York.

 

MetLife’s Critical Illness Insurance is not intended to be a substitute for Medical Coverage providing benefits for medical treatment, including hospital, surgical and medical expenses. MetLife's Critical Illness Insurance does not provide reimbursement for such expense.

Critical Illness Insurance - Learn More

These form(s) are in Adobe Acrobat Reader (PDF) format and are available for downloading and printing.

 

Critical Illness Insurance Brochure
FAQs
Plan Summary
Mercer's Role & Compensation

Details of Mercer disclosure of the compensation.