What You Need to Know

While you obviously hope not to become seriously ill, being prepared is essential. Even the best medical and disability insurance plans don’t always cover all your illness-related expenses. Critical illness insurance provides some extra money during a serious illness and recovery to help you meet your financial obligations. Also, the coverage is portable, which means if you leave the Company, the coverage may be continued.

Understanding Critical Illness Insurance

Critical illness insurance,* insured by MetLife, is a voluntary benefit that supplements your medical insurance and offers financial protection in case of a covered illness. Covered illnesses may include cancer, heart attack, stroke, Alzheimer’s disease, COVID-19, cardiac arrest, Parkinson's, and more.


You and your covered family members can enroll in voluntary critical illness insurance during your initial eligibility period (generally when you first start working) or yearly during Annual Enrollment.

Using your benefit

There’s no waiting period to start receiving benefits for any newly diagnosed condition.* When you file a claim with MetLife, benefit payments are paid directly to you. You can use that money however you wish, including medical plan deductibles or coinsurance, household expenses, or bills.

Recurrence benefits

If you’ve already received your initial benefit, recurrence benefits may cover another occurrence or relapse of the following conditions: heart attack, stroke, coronary artery bypass graft, full benefit cancer, and partial benefit cancer.

* For more information on payment taxes and benefit limits and exclusions, contact MetLife.

There is a benefit suspension period between recurrences.

Paying for coverage

You pay for critical illness insurance coverage through payroll deductions. Your cost is based on your age (in whole years) at the end of prior year.

Covered illnesses

Covered conditions and related benefit payments include:

Covered Conditions Initial Benefit Recurrence Benefit
Full benefit cancer Up to $15,000 Up to $7,500
Partial benefit cancer Up to $3,750 Up to $1,875
Skin cancer Up to $750 N/A
Heart attack Up to $15,000 Up to $7,500
Sudden cardiac arrest Up to $7,500 N/A
Stroke Up to $15,000 Up to $7,500
Coma Up to $15,000 Up to $15,000
Loss of ability to speak, hear or see Up to $15,000 N/A
Paralysis of two or more limbs Up to $15,000 N/A
Severe burn $15,000 $15,000
Coronary artery bypass graft Up to $15,000 Up to $7,500
Kidney failure Up to $15,000 N/A
Alzheimer’s disease Up to $15,000 N/A
Parkinson’s disease (advanced) $15,000 N/A
Major organ transplant Up to $15,000 N/A
Other covered conditions Up to $3,750 N/A

If you suffer from multiple covered conditions, you can receive up to three initial benefit payments—a total benefit of $45,000.

Learn more about voluntary critical illness insurance

Watch a brief presentation on covered illnesses, claims, and more.

Watch video