Voluntary Benefits
Administered through MetLife, voluntary benefits pay a fixed, one-time benefit amount which you can use for any purpose you like. It can help pay for expenses not covered by your healthcare plan (such as your deductible or copays), lost income, childcare, travel to and from treatment, home healthcare costs, or any of your regular household expenses.
What’s great about these plans are that they complement your existing healthcare coverage, filling in the gaps and offering financial support where it’s needed most. The best part? It’s entirely up to you. These plans are 100% voluntary, allowing you to choose the coverage that fits your lifestyle and priorities. It’s insurance that puts you in control, providing peace of mind when life takes unexpected turns.
Accident Insurance
On his way to work, John was in a car accident.
- He was transported by ground ambulance to the emergency room and admitted to the hospital.
- He had a dislocated hip and spent five days in the hospital.
- He had several physical therapy sessions before returning to work.
- John submitted his accident claim and received $4,365 from his accident insurance coverage.
- He used it towards his deductible, copay, and supplemental income for his missed workdays.
Sample Reimbursements
X-Ray: $200
Hospital Stay – Admission + 5 days: $1,700
Dislocated Hip: $2,250
Appliances: $75
Physical Therapy (4 sessions, $35/session): $140
Total Benefit: $4,365
What Accident Insurance Covers
- Emergency Room Visits
- Hospital Stays
- Fractures and Dislocations
- Medical Exams – including major diagnostic exams
- Physical Therapy
- Transportation and Lodging – if you are away from home when the accident happens
- Basic Accidental Death benefit ($5,000 for Employee)
Plan Documents
Critical Illness
Tom suffered a relatively small stroke.
- He was hospitalized for five days.
- He began rehab to get back to where he was physically before the stroke.
- Tom submitted his claim and received a lump-sum payment of $30,000 as an employee.
Sample Reimbursements
Employee: $30,000
Spouse: 50% of the employee’s initial benefit
Child(ren): 50% of the employee’s initial benefit
What Critical Illness Insurance Covers
- Heart Attack
- Multiple Sclerosis
- Stroke
- Alzheimer’s Disease
- Parkinson’s Disease
- Kidney Failure
Plan Documents
Hospital Indemnity
In April, Sarah unexpectedly needed back surgery.
- Sarah was admitted to the hospital for surgery.
- After surgery, she began physical therapy to increase her strength and flexibility.
- Sarah submitted her claim and received a lump-sum payment of $1,000.
Sample Reimbursements
Total Benefit Paid: $1,000
What Hospital Indemnity Insurance Covers
- Hospital Admission ($1,000/admission, per confinement & 4 times per covered person/calendar year)
- ICU Supplemental Admission ($1,000/admission)
- Hospital Confinement ($200/day, not combined with admission benefit & up to 15 days per covered person/calendar year)
- Hospital Confinement for Newborn Nursery Care ($50/day, up to 2 days max)
- ICU Supplemental Confinement ($200/day, up to 15 days per covered person/calendar year)
- Hospital Intensive Care