MetLife
Broker products to meet your diverse client needs.
About MetLife
Headquartered in New York, NY, MetLife, Inc. is a leading global provider of insurance, annuities and employee benefit programs. MetLife is recognized and trusted by 90 million customers worldwide and over 90 of top 100 FORTUNE 500® companies in the United States. Through its subsidiaries and affiliates, MetLife holds leading market positions in the United States, Japan, Latin America, Asia, Europe, the Middle East and Africa.
With more than 140 years of experience in the insurance business, MetLife can help turn benefit plans into a strategic investment by helping you with your client’s objectives of employee attraction, retention and productivity. MetLife’s unmatched experience and the expertise of its people can assist you in optimizing your client’s benefit plans through flexible, competitive solutions that will help you meet their diverse needs in a cost-effective way.
MetLife’s financial strength ratings are among the highest in the industry1 — and are positioned to meet their obligations today and in the future. By choosing MetLife, you are partnering with a company that is committed to doing things right — making your job simpler and easier.
Product Advantages:
Group Term Life Insurance: With more than 25 years of experience, MetLife is the leading provider of Group Life benefits.
· Benefit Schedules available: Flat Amounts or Multiples of Earnings
· Basic Life, Supplemental Life and Dependent Life options available
· Accidental Death & Dismemberment coverage (AD&D) also offered
Other Value-Added Features and Enhancements are available to enrich the plan offering. A brief listing includes:
· Conversion/Portability Assistance
· Waiver of Premium
· Funeral Planning Guide
Group Dental Benefits: The largest administrator of dental benefit plans among all single commercial carriers4
· Freedom to go out of network (out of pocket expenses may be greater)
· Access to a broad national network of participating dentists of thousands of general dentists and specialists
· No dental waiting periods (except for late entrants, groups with less than 35% participation or if matching an in force plan design)
· DHMO option is available in CA, FL, TX, NY and NJ
· Pediatric dental benefits available for groups less than 50 in MetLife approved states
Other Value-Added Features and Enhancements are available to enrich the plan offering. A brief listing includes:
· Vision discount plan included at no additional cost to employee with MetLife Dental3
· Educational Tools and Resources
· Dental Procedures Fees Tools4
Group Disability Insurance: With more than 50 years of experience, MetLife is a leading provider of Group Disability benefits.5
STD: Fully integrated with MetLife’s LTD plan
· Weekly Benefits Available: 50%, 60% & 66-2/3%
· Maximum Weekly Benefit: up to $1,000 (Standard) Options to $2,500 (depends on group size)
· DBL option available in NY
· TDB option available in NJ
LTD: Significant return-to-work and rehabilitation incentives*. In fact, 90% of employees surveyed are satisfied with the process of returning to work after a disability6
· Monthly Benefits Available: 40%, 50%, 60% & 66-2/3%
· Max Monthly Benefit: $6,000 standard
*Where appropriate
Other Contract Features and Enhancements are available to enrich the disability plan offering. A brief listing includes:
· Rehabilitation Program Incentives
· Cost-of-Living Adjustment Benefit
· Voluntary and Non-contributory products are available
· A definition of disability that focuses on the ability to work and earn an income as opposed to actual loss of income
Not all products and services available in all states and may vary by group size.
Like most group benefit programs, benefit programs offered by MetLife and its affiliates contain certain exclusions, exceptions, waiting periods, reductions of benefits, limitations and terms for keeping them in force. Please contact MetLife for complete details.
1 View current ratings information and a more complete analysis of the financial strength of MLIC
2MetLife Market Research, based on enrolled lives as of 12/31/12.
3MetLife VisionAccess is a discount program and not an insured benefit. It is provided through Vision Service Plan, VSP, Rancho Cordova, CA. VSP is not affiliated with Metropolitan Life Insurance Company or its affiliates.
4 The Dental Procedure Fee tool application is provided by go2dental.com, Inc.an independent vendor. Network fee information is supplied to go2dental.com by MetLife and is not available for providers who participate with MetLife through a third-party. Out-of-network fee information is provided by go2dental.com. This tool does not provide the payment information used by MetLife when processing claims. Prior to receiving services, pretreatment estimates through the dentist will provide the most accurate fee and payment information.
5LIMRA US Group Disability Sales and In force 2012
6MetLife’s 2011 Return-to-Work Satisfaction Study
Metropolitan Life Insurance Company
200 Park Avenue
New York, New York 10166 USA
Tel: 1-800-MetLife
L1113349557[exp1115][All States]
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