Employee benefits updates and resources related to COVID-19

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COVID-19 Updates

We Are Here for You.

For over 153 years, MetLife has been committed to protecting the health and well-being of our customers, their families, and our communities.

In these unprecedented and stressful times, we want to assure you that MetLife is prepared, and has taken action to ensure our customers get the service they expect, the coverages they have are maintained, questions are answered, and claims are processed in a timely manner.

Below you will find important updates, how to review your benefit coverage and answers to common questions.

How can we help you?

Visit your employer’s benefit website or contact your HR department to get your individual coverage details

-OR—

Go online to manage your account at MyBenefits

Employee Benefits Supporting You Through a COVID-19 Diagnosis.

Employee benefits policies are unique for each company, please check with your HR department or Benefits Administrator on the details for your specific policy.

Hospital Indemnity Insurance1: COVID-19 would be considered a Sickness2 as defined in your certificate.  Those benefits provided under the certificate for treatment of a Sickness2, including admission to and confinement in3 the hospital, would be payable subject to the terms and conditions of the certificate.  Therefore, if you or an eligible family member are admitted to the hospital because of a COVID-19 diagnosis, you will be able to file a claim under your Hospital Indemnity Insurance coverage, provided you meet the plan requirements.  This benefit is paid directly to you, regardless of what your medical coverage covers, or pays , as a lump sum with the freedom to use however you feel is necessary. 

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Disability Insurance: If you are diagnosed with COVID-19 and are unable to perform your job due to the sickness, you may be entitled to MetLife Disability Insurance benefits.  Disability Insurance will replace a portion of your income for a given time period, which depends on your policy.

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Life Insurance: You or an eligible family member will be covered by Group Life Insurance (Basic, Optional, Dependent, GUL and GVUL) due to a loss of life resulting from COVID-19, provided all requirements of the policy and certificate are met.  Your plan may also include MetLife AdvantagesSM which gives you access to additional services like licensed Grief Counselors4 and Will Preparation5

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Accident insurance: Generally, our Accident coverage only provides benefits for accidents.  However, if your accident plan includes Sickness Hospital Benefits (admission and confinement3),  those benefits would be payable if you or an eligible family member is hospitalized for treatment of COVID-19, provided all terms and conditions of the certificate are met, such as pre-existing condition limitation, benefit maximums, etc.

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PlanSmart Financial Wellness6: You can get financial education and guidance with MetLife’s Financial Wellness program that may be helpful in managing finances during times of increased market volatility. 

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MetLife’s Employee Assistance Program7: You may have access to MetLife Employee Assistance Program (EAP) that provides 24/7 confidential access to professional support to help you manage stress, anxiety, grief, financial concerns, and much more. You can connect to support by phone, video, or chat anytime, anywhere, and have access to a vast library of online resources for coping with trauma, building resiliency, self-care, and managing change.


Travel Assistance coverage8,9MetLife AXA Travel Assistance program provides medical evacuation/repatriation if you or an eligible family member are traveling more than 100 miles from home for 180 days or less, become ill and do not have access to medical facilities capable of providing needed care.  AXA will coordinate transportation to the nearest appropriate medical facility or home, if medically necessary.


MetLife Legal Plans: If you and your eligible family members are enrolled in the Legal plan, you have access to Will Preparation services, including telephone or in-person consultations with an attorney in the MetLife Legal Plan attorney network. Covered services include preparing important planning documents like a power of attorney, which is a document that allows someone to conduct transactions on your behalf, and a health care proxy, where you can appoint another person to make medical decisions on your behalf.

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Health Screening Benefit:  If the Health Screening Benefit10 is included in your Critical Illness, Accident or Hospital Indemnity Insurance certificate, the Health Screening Benefit would be payable for a COVID-19 laboratory screening test (regardless of the test result) and/or the COVID-19 vaccine, subject to the requirements for payment of that benefit and the other terms and conditions of the certificate.

Keeping You Informed - General FAQs

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If you or an eligible family member have Hospital Indemnity Insurance1 or Accident Insurance that includes Sickness Hospital Benefits2, and you are admitted to the hospital for treatment of COVID-19, you will be able to file a claim under your coverage provided you meet the plan requirements.

If the Health Screening Benefit10 is included in a Critical Illness, Accident or Hospital Indemnity Insurance certificate, the Health Screening Benefit would be payable for a  COVID-19 laboratory screening test (regardless of the test result) and/or the COVID-19 vaccine, subject to the requirements for payment of that benefit and the other terms and conditions of the certificate.  Please check with your employer or sign into MyBenefits for plan details.

 

MetLife remains committed to ensuring employees get the service they expect and the timely handling of claims. At this time, we are confident in our abilities to service our employees.

Disability FAQs

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If you have MetLife Disability Insurance, are diagnosed with COVID-19 and are unable to perform your job due to the sickness, you may be entitled to MetLife Disability Insurance benefits.  Disability Insurance will replace a portion of your income for a given time period, which depends on your policy.

Being quarantined most likely does not meet the requirements for a disability and would not be covered by MetLife Disability Insurance. However, if you develop COVID-19, or another qualifying sickness while quarantined, and you meet the definition of disability within the policy, benefits would be reviewed for payment.

Being exposed most likely does not meet the requirements for a disability and would not be covered by MetLife Disability Insurance. However, if you develop COVID-19, or another qualifying sickness while quarantined, and you meet the definition of disability within the policy, benefits would be reviewed for payment.

We will review each leave request on a case-by-case basis.  However, in order to qualify for FMLA, quarantined employees would need to satisfy the definition of a “serious health condition” or be caring for a child if the school or place of care has closed or childcare provider is unavailable due to a public emergency regarding COVID-19, among the other FMLA eligibility requirements. If you are unsure if the claim will be approved, we encourage the claim to be submitted for review.

Life Insurance FAQs

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MetLife offers group life insurance policies through employers. If you select additional life insurance coverage, medical evidence of insurability (MEOI), or a Statement of Health (SOH), may be required based on your employer’s plan. Each individual applicant’s medical history must be reviewed before a coverage decision is made.  If you are unable to go to the post office, or mail the paper form via the US Postal Service, there are two additional ways to submit your MEOI/SOH form for processing, including email and fax submission options. You can find the email and fax information in the Instructions section on your MEOI/SOH form.

In instances where additional medical evidence of insurability is required (for example, a paramedical exam) you will be given 6 months to complete this requirement. Once this additional information is received, MetLife will inform you of a coverage decision in writing. 

Self-service forms, answers to frequently asked questions, contact information, and performance information can be found on our website for those individuals who have purchased their policy through an agent (Life Insurance Policyholders site).  You can also contact your financial professional for assistance.

Dental Insurance FAQs

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MetLife dental plans provide coverage for dental services delivered through tele-dentistry.  The coverage is handled the same as if the patient was receiving the dental services in a dental office.  Dental services that can be delivered through tele-dentistry typically include problem focused exams and re-evaluations.  The coverage is subject to the plan terms and conditions.  Dentists can verify benefit coverage using MetLife’s web portal, www.MetDental.com as well as MetLife’s interactive voice response (IVR) capabilities.  To the extent a state has enacted mandates regarding tele-dentistry due to the COVID-19 pandemic, MetLife will fully comply.

Currently, members who have services performed by a network provider should not incur any additional costs for infection control, including PPE, per our network contracts with our providers.  These costs are not considered a separate billable dental procedure and cannot be billed to a participant or to MetLife.  If a member is surcharged by a network provider for PPE upfront, they should report this charge to MetLife by calling us at 1-800-GETMET8 (1-800-438-6388).  MetLife has an established grievance process to fully resolve these charges and track these types of issues which allows us to educate providers accordingly.  

If a member receives services from an out-of-network provider, they may be responsible for any additional PPE charges billed by the provider.

Legal Plan FAQs

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Our Client Service Center is open during its regular hours Monday through Friday, 8 am – 8pm ET, and we are operationally prepared to handle all calls and claims. You can reach out to us at 800-821-6400 with any questions or concerns.

Our attorneys can provide consultations over the telephone, and many can consult via virtual meetings. While our attorneys will do their best to handle all inquiries in a timely manner, our e-panel attorneys are also available to answer general questions online. You can submit questions and a Network Attorney will respond to within 24 to 48 hours.

U.S. Brokers

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1 Hospital does not include certain facilities such as nursing homes, convalescent care or extended care facilities. See your Disclosure Statement or Outline of Coverage/Disclosure Document for full details.

2 The Admission Benefit is not payable for Emergency Room treatment or outpatient treatment. The payment of the admission benefit requires a Confinement. Hospital Confinement requires the assignment to a bed as a resident inpatient in a Hospital (including an Intensive Care Unit of a Hospital) on the advice of a Physician or confinement in an observation area within a Hospital for a period of no less than 20 continuous hours on the advice of a Physician. Please consult your certificate for details. When plan includes an Admission Benefit, the Confinement Benefit begins on Day 2.

3 The Hospital Sickness benefit may not be available in all states.

4 Grief Counseling services are provided through an agreement with LifeWorks. LifeWorks is not an affiliate of MetLife, and the services LifeWorks provides are separate and apart from the insurance provided by MetLife. LifeWorks has a nationwide network of over 30,000 counselors. Counselors have master’s or doctoral degrees and are licensed professionals. The Grief Counseling program does not provide support for issues such as: domestic issues, parenting issues, or marital/relationship issues (other than a finalized divorce). For such issues, members should inquire with their human resources department about available company resources. This program is available to insureds, their dependents and beneficiaries who have received a serious medical diagnosis or suffered a loss. Events that may result in a loss are not covered under this program unless and until such loss has occurred. Services are not available in all jurisdictions and are subject to regulatory approval. Not available on all policy forms.

5 Will Preparation is offered by MetLife Legal Plans, Inc., a MetLife company. In certain states, legal services benefits are provided through insurance coverage underwritten by Metropolitan Property and Casualty Insurance Company and Affiliates, Warwick, Rhode Island. For New York sitused cases, the Will Preparation service is an expanded offering that includes office consultations and telephone advice for certain other legal matters beyond Will Preparation. Tax Planning and preparation of Living Trusts are not covered by the Will Preparation Service.

6 MetLife administers the PlanSmart Financial Wellness program, but has arranged for Massachusetts Mutual Life Insurance Company (MassMutual) to have specially trained financial professionals offer in-person financial education and, upon request, provide personal guidance to employees and former employees of companies providing the program through MetLife. Guidance and coaching online and by phone is provided by trained and credentialed financial planners through our alliance with EY (Ernst & Young LLP). PlanSmart Financial Wellness planner line access for COVID-19 relating financial questions is being offered to employers under 100 lives at no cost for a limited time. If you’d like additional details on this offer, please contact financialwellnessfeedback@metlife.com. No MetLife customer relationship required.

7 EAP services provided through an agreement with LifeWorks. LifeWorks is not a subsidiary or affiliate of MetLife. Information disclosed directly to LifeWorks is not disclosed to MetLife, and therefore is not subject to MetLife’s privacy policy.

8 Travel Assistance services are offered and administered by AXA Assistance USA, Inc. Certain benefits provided under the Travel Assistance program are underwritten by Certain Underwriters at Lloyd’s London (not incorporated) through Lloyd’s Illinois, Inc. Neither AXA Assistance USA Inc. nor the Lloyd’s entities are affiliated with MetLife, and the services and benefits they provide are separate and apart from the insurance provided by MetLife.

9 Proof must be established that the employee does not have COVID-19 even if the evacuation is for another reason. In addition, destination countries are implementing more stringent screening practices at points of entry. Access to and clearances for air and ground ambulance providers, as well as other transportation options, are becoming more challenging to secure as action is taken to contain the spread of the virus.

10 The Health Screening Benefit is not available in certain states. Please review your Disclosure Statement or Outline of Coverage/Disclosure Document for specific state variations and exclusions around this benefit.

Group Life, Group Disability and Group Dental Insurance:

Nothing in these materials is intended to be advice for a particular situation or individual. Please consult with your own advisors for such advice. Like most group insurance policies, insurance policies offered by MetLife contain certain exclusions, exceptions, waiting periods, reductions, limitations and terms for keeping them in force. Please contact your benefits administrator or MetLife for costs and complete details.

METLIFE'S ACCIDENT (AX), HOSPITAL INDEMNITY (HI) AND CRITICAL ILLNESS (CII) INSURANCE POLICIES ARE LIMITED BENEFIT GROUP INSURANCE POLICIES. The policies are not intended to be a substitute for medical coverage providing benefits for medical treatment, including hospital, surgical, and medical expenses, and do not provide reimbursement for such expenses. Certain states may require the insured to have medical coverage to enroll in these policies. Like most group accident and health insurance policies, MetLife's AX, HI and CII policies contain certain exclusions, limitations and terms for keeping them in force. Product features and availability may vary by state. The policies may be subject to a Benefit Reduction Due to Age provision. For HI and AX, prior hospital confinement may be required to receive certain benefits, and there may be a pre-existing condition exclusion for hospital sickness benefits, if applicable. Hospital does not include certain facilities such as nursing homes, convalescent care or extended care facilities. For CII, there may be a pre-existing condition exclusion, and a Benefit Suspension Period between recurrences of the same Covered Condition or occurrences of different Covered Conditions. MetLife offers CII on both an Attained Age basis, where rates will increase when a Covered Person reaches a new age band, and an Issue Age basis, where rates will not increase due to age. Rates are subject to change. MetLife reserves the right to raise premium rates for Issue Age CII on a class-wide basis. A more detailed description of the benefits, limitations, and exclusions applicable to MetLife’s AX, HI and CII products can be found in the applicable Disclosure Statements or Outlines of Coverage/Disclosure Documents available at time of enrollment. For complete details of coverage and availability: for AX and HI, please refer to the group policy form GPNP12-AX, GPNP13-HI, GPNP16-HI or GPNP12-AX-PASG; and for CII, please refer to the group policy form GPNP07-CI, GPNP09-CI, GPNP10-CI, GPNP14- CI, GPNP19-CI, or contact MetLife for more information. Benefits are underwritten by Metropolitan Life Insurance Company, New York, New York.