MetLife Critical Illness Insurance helps provide financial protection when you’re diagnosed with a serious illness—so you can focus on recovery, not expenses.

Even with medical coverage, a critical illness can lead to unexpected costs like deductibles, copays, and everyday living expenses. This coverage provides a lump-sum cash benefit paid directly to you upon diagnosis of a covered condition. You can use the money however you need—from medical bills and treatment costs to childcare, groceries, or lost income during recovery.

Employees can enroll in the Voluntary Benefits when they are newly eligible, with a Qualifying Life Event, or during Annual Open Enrollment.

Employees must be actively at work on the effective date in order to enroll in Critical Illness insurance.

Examples of covered conditions may include:

• Invasive and non-invasive cancer
• Heart attack
• Stroke
• Major organ transplant
• Kidney failure
• Coronary artery bypass graft
• Alzheimer’s disease

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Plan Features:

• Lump-sum benefit paid directly to you upon diagnosis of a covered condition
• Benefits are paid regardless of any other insurance you may have
• Coverage available for you and your eligible family members
• Employee coverage pays a lump-sum benefit of $10,000 - $40,000; available in $10,000 increments.
• No medical exams or health questions required to enroll
• Coverage is portable, so you can keep it if you change jobs or retire
• If you are a covered member under the Catholic Health Medical Plan, you may receive automatic payment for eligible claims
• Health Screening Benefit provides a cash payment each year when a member completes an eligible preventive screening

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Health Screening Benefits

Early detection plays an important role in managing serious illnesses. This plan includes an annual Health Screening Benefit that pays you for completing eligible preventive tests—helping you stay proactive about your health.

Covered screenings may include routine exams, blood tests, and other preventive measures.

Here’s an example of how it works

After completing a covered screening, you simply submit a claim with basic details about the provider and test. Once approved, you’ll receive a cash payment directly—typically within a few business days—making it easy to get rewarded for staying on top of your health.

Claiming your Health Screening Benefit is simple:

1. Submit a claim online or call 1-800-GET-MET8 (800-438-6388)

2. Provide a few details, including:

- Healthcare provider’s name, address, and phone number
- Type of screening/test and date completed
- Location where the screening was performed

3. Receive your payment directly (typically within a few business days after processing). Multiple claims for dependents can be submitted together.

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Documents and Forms

Click here and then select Critical Illness.