Critical Illness

The voluntary Critical Illness coverage provides a lump sum benefit in the event of a diagnosis of a covered illness and is insured by MetLife. Employees may elect coverage for yourself, your spouse, and your child(ren) with no health questions. Covered conditions include cancer (see certificate definition), heart attack, stroke, major organ transplant, coronary artery bypass surgery, end stage renal failure, and more. Benefits options include:

  • Employees: From $5,000 to $30,000 in increments of $5,000
  • Spouses: 50% of the employee amount (Employees must be enrolled to elect spouse coverage.)
  • Children: 50% of employee coverage for all children (Employees must be enrolled to elect child coverage.)



  • Benefits are paid in addition to any other insurance that you may have, and benefits are paid directly to you
  • This plan pays a benefit if the initial diagnosis for a covered illness is while the certificate is in force.  (See certificate for complete details.)
  • This product will pay multiple times for the same or different covered conditions (see the certificate on the Resources page for additional information)
  • Benefits may be used however you'd like. Typical uses include:
    • Out-of-pocket medical and non-medical expenses and home health care needs and home modifications
    • Recovery and rehabilitation
    • Child care or caregiver expenses and travel expenses to and from treatment centers
  • Includes a wellness benefit for covered preventive screenings in the amoount of $50 per covered member per year.


Critical Illness Enrollment Ballot Notices / Agreements


Your Critical Illness certificate provides limited benefits – read your certificate carefully when you receive it.  MetLife’s Group Critical Illness product is intended to supplement, and is not a substitute for, comprehensive medical coverage. By enrolling for Critical Illness Insurance, if I am a resident of Arkansas, Connecticut, Idaho, New Hampshire or Utah, I declare that no person proposed for Critical Illness coverage is covered under any Title XIX program (Medicaid or any similarly named program). I acknowledge that I have received a Shopper’s Guide to Cancer Insurance; and I have received and read a copy of the outline of coverage or other disclosure document for the group Critical Illness plan. In addition, I have read the enrollment documentation and declare that all information I have given is true and complete to the best of my knowledge and belief; I have read the applicable Fraud Warning(s) provided.


Carrier Information: MetLife -  |  (800) 438-6388

Benefit Summary  |  Plan Certificate

Coverage Flyer  |  Outline of Coverage

MetLife Fraud Warning  |  MetLife Privacy Notice  |  Regulatory Disclosure