New for 2027!
Voluntary Benefits
Voluntary benefits through MetLife can provide an extra layer of financial protection when the unexpected occurs. These standalone insurance options complement your existing coverage and provide cash benefits paid directly to you when covered events occur, giving you greater peace of mind. You can use the payments however you choose, whether for medical expenses, household bills, lost income or other financial needs..
- Accident insurance provides a lump-sum payment to help pay for expenses related to covered injuries and accident-related medical treatment.
- Critical illness insurance provides a lump-sum payment if you're diagnosed with a covered serious illness, such as cancer, heart attack or stroke.
- Hospital indemnity insurance pays a cash benefit for covered hospital admissions and stays.
Note: Availability of voluntary benefits may vary for employees who are subject to a collective bargaining agreement. If voluntary benefits are available to you, they will show as options you can elect when you enroll.
Accident
Unexpected accidents can lead to unexpected expenses. Accident Insurance provides cash benefits for covered injuries and related treatment, giving you added financial support when you need it.
Why consider accident insurance?
- Receive a lump-sum benefit payment for covered accidents, paid directly to you.
- You choose how to use the money, to pay for medical bills, childcare, transportation or everyday expenses.
- Benefits are in addition to what your medical insurance covers.
- Coverage includes many common accident-related injuries, such as fractures, falls and sports injuries.
You can cover yourself as well as your eligible family members – and it’s easy to pay your premiums through convenient payroll deductions. Have questions? Find answers to commonly asked questions.
Critical illness
A serious illness can impact more than your health. Critical Illness Insurance helps provide financial security by paying a lump-sum benefit upon diagnosis of a covered condition, helping you manage expenses so you can focus on getting well.
Why consider critical illness insurance?
- Receive a lump-sum payment following a covered diagnosis.
- You can use the payment however you need, including for deductibles, prescriptions, household bills or any other everyday living expenses.
- Benefits are paid directly to you and are in addition to what your medical insurance covers.
- The plan pays an additional benefit (recurrence benefit) if a covered condition reoccurs for certain conditions.
You can cover yourself as well as your eligible family members – and it’s easy to pay your premiums through convenient payroll deductions. Have questions? Find answers to commonly asked questions.
Critical illness insurance provides financial support if you or a loved one has a verified diagnosis. Learn more.
Hospital indemnity
Hospital stays can bring added financial stress. Hospital Indemnity Insurance provides cash benefits for covered hospital admissions and stays related to an accident, illness or childbirth.
Why consider hospital indemnity Insurance?
- Receive cash benefits for covered hospital stays.
- You can use the money to help cover deductibles and other medical expenses, as well as everyday living expenses such as groceries or mortgage payments, while recovering.
You can cover yourself as well as your eligible family members – and it’s easy to pay your premiums through convenient payroll deductions. Have questions? Find answers to commonly asked questions.
Hospital indemnity insurance helps cover the cost of care if you or a loved one is admitted to the hospital. Learn more.
Need to file a claim? It's simple with MetLife. Learn more.