MetLife

Insurance products, solutions, and resources to benefit your employees… and your bottom line.

Experience true simplicity in benefits administration, expert products and service. Enroll with MetLife and ebm today!

You can count on our end-to-end service experience for streamlined support — including, single sales, service and implementation contacts. The model helps make benefits administration easier than ever. When you choose multiple benefits from MetLife, not only do you get expert solutions from a company you know and trust, you get the simplicity and efficiency of working with one carrier. We are here to make your work easier — from implementation to ongoing service.

MetLife

Your solution for simplicity, service
and benefits that deliver

When you combine the ease and service excellence of ebenefit Marketplace with MetLife’s solutions, it’s easy to optimize your benefits program. You can choose from a wealth of plan designs that allow you to customize and streamline your benefits. It’s the simple answer to delivering the value your employees want and the support your business needs.

Attract and retain employees with a wide range of insurance products, including Auto & Home, Dental, Vision, Life, Disability, and more.

Experience The Benefits of Working with MetLife & ebm
  • Breadth of plan designs
    With one of the largest offerings of plan designs, you get greater flexibility from a name you know and trust
  • Easier administration
    Dedicated sales, service, and operational support are just a few of the benefits of administering multiple products with one carrier
  • Enhanced technology
    Systems enhanced to better support private exchanges and third party business mean streamlined implementation including, integrated Statement of Health and Electronic Data Integration capabilities
  • Expertise
    Access to the resources and expertise of a company that provides products and services to 95 of the top 100 Fortune 500® companies
    –– 97% overall satisfaction
    –– 95% of customers find it easy to do business with MetLife

Accident Insurance

Accidents happen. Help protect employees with accident insurance that can be used to help cover out-of-pocket expenses not covered by medical insurance, like deductibles, copays, or coinsurance at $0 benefit cost to you.

Offer a solution that provides:
  • Coverage for over 150 events in 5 categories — injuries, medical services and treatment, accidental death, hospitalization1, and dismemberment, loss of limb and paralysis
  • No limitations on the number of accidents covered
  • Guaranteed coverage for employees, spouses, and children up to age 26
  • Benefit payments regardless of what’s covered by medical insurance
  • Lump-sum amount paid directly to the covered person to spend as they choose
  • Portability for continuation of coverage

 

Please see the group certificate for specific information regarding covered benefits or visit the MetLife website for full details and exclusions

Auto Insurance

Auto insurance is among the top 3 benefits employees feel reduce their financial stress. Offering access to auto insurance helps you alleviate employee stress, with no benefit cost and little to no work for you.

  • Special savings. Employees saved an average of $536 on auto insurance when they switched to MetLife Auto & Home®.
  • Solutions for individual needs.  We offer auto, recreational vehicle (RV), boat, and Personal Excess Liability Protection (PELP) insurance.
  • Exceptional service.  Quick and simple on-line shopping and service experiences make it easier for employees to get the right coverage.

 

Home Insurance

Home insurance can protect your employees’ most valuable assets.
MetLife Auto & Home offers a range of home insurance solutions to balance cost with employee needs.

  • Savings and convenience. Employees can bundle their home and auto policies and enjoy additional savings and conveniences.
  • Solutions for individual needs. We offer home, condo, renters, mobile home, landlord’s rental dwelling, flood, and PELP insurance.
  • Replacement cost of home. We pay to repair or rebuild an employee’s home if damaged in a covered loss, with no cap on the coverage amount even if the total rebuilding cost exceeds the home’s policy limit.

 

Please see the group certificate for specific information regarding covered benefits or visit the MetLife website for full details and exclusions

Critical Illness

A serious illness can take a toll on an employee’s physical and financial well-being. With MetLife’s Critical Illness Insurance, you can help employees keep their focus on recovery.

Offer a solution that provides:
  • Coverage for  a range of medical conditions including heart attack, stroke, kidney failure, Alzheimer’s disease, and Coronary Artery Bypass Graft
  • Choice of issue age or attained age rate structures
  • No waiting periods between different conditions
  • No pre-existing condition for heart attack or stroke
  • Guaranteed coverage for employees, spouses, and children up to age 26
  • Benefit payments regardless of what’s covered by medical insurance
  • Lump-sum amount paid directly to the covered person to spend as they choose
  • Portability for continuation of coverage
  • Benefit payments regardless of what’s covered by medical insurance
  • Lump-sum amount paid directly to the covered person to spend as they choose
  • Portability for continuation of coverage

 

Please see the group certificate for specific information regarding covered benefits or visit the MetLife website for full details and exclusions

Dental

With one of the largest networks in the industry, your employees get support to live healthier and lower their out-of-pocket costs. They also get access to educational resources and tools that help them stay informed and manage their care.

  • A large network with more than 300,000 participating access points
  • Negotiated fees that are typically 15-45% less than the average charge of providers in the same community for the same or similar services
  • Long standing provider relationships mean greater satisfaction and less disruption
  • An exceptional claims and utilization management platform ensures accuracy and helps prevent inappropriate billing
  • Wellness solutions and educational support that complement disease management programs
  • International Dental Travel Assistance program

 

Please see the group certificate for specific information regarding covered benefits or visit the MetLife website for full details and exclusions

Disability Products and Services

MetLife offers solutions to help protect employees’ income when they need it most.

These options can replace a portion of employees’ income until they can return to work.

  • Short Term Disability (STD) and Long Term Disability (LTD)
  • Salary Continuance, Administrative Services Only (ASO) and Advice-to-Pay (ATP)
  • Statutory Disability and Paid Family Leave
  • LTD Reserve Buy-Outs
  • Individual Disability Insurance (IDI) / LTD Integrated Solution

 

Absence & Leave Management

Administering absence and leave management can be challenging and time consuming for any business. Our focus is helping reduce your risk and simplifying administration. Whether your company is large or small, count on us to deliver the right solution for your organization.
Total Absence Management.SM Integrated absence management solutions to help ease the impact on your workload and simplify employees’ process for absences such as FMLA leaves, State leaves, and company leaves (like jury/witness duty, military, bereavement, medical, etc.).

FMLAssistSM complements your FML administration by helping to alleviate the burden associated with failing to comply with the FMLA by leveraging our expertise for all or some of your employees’ Family Medical Leave (FML) needs.

Well-being Programs

A coordinated approach to help employees stay healthy.
Disability Health and Wellness Connection promotes employees’ use of their medical carrier and existing disease management and wellness programs to drive healthier behaviors. This can lead to a more health conscious workforce, reduced absences, earlier return to work, and potentially lower incidences of disability.

  • EAP Referral
  • Disease Management Coordination
  • Data Sharing
  • Trends and Analysis Reporting
  • Online Disability Consumer Educational Resources

 

Please see the group certificate for specific information regarding covered benefits or visit the MetLife website for full details and exclusions

Hospital Indemnity

With a sudden hospitalization, bills can really pile up. Protect employees from unexpected expenses — at $0 benefit cost to you.

Offer a solution that provides:
  • Coverage for hospital admission and confinement for accidents and sickness
  • Guaranteed coverage for employees, spouses, and children up to age 26
  • Benefit payments regardless of what’s covered by medical insurance
  • Lump-sum amount paid directly to the covered person to spend as they choose
  • Portability for continuation of coverage

 

Please see the group certificate for specific information regarding covered benefits or visit the MetLife website for full details and exclusions

Legal Insurance

Over 70% of employees consider work to be the foundation of their financial safety nets. And when they feel they have the resources to handle life’s financial and personal legal matters, it can lead to increased productivity and employee retention.

MetLaw® (from Hyatt Legal Plans, a MetLife company) provides access to a national network of 14,000+ experienced attorneys, with an average attorney experience of 25 years.  Employees are covered for a wide range of personal legal matters, including:

  • Wills and estate planning documents
  • Real estate matters
  • Debt issues
  • Traffic defense
  • Family law
  • Power of attorney
  • Identity theft
  • Elder care matters

 

And with no out-of-pocket costs, no claim forms, no usage limits, and a money-back guarantee, they can feel confident they’re better prepared for life’s challenges, whether expected or unplanned.

 

Please see the group certificate for specific information regarding covered benefits or visit the MetLife website for full details and exclusions

Life & ADD

Our products address your unique needs, as well as those of your employees’ and beneficiaries. As a leader in the industry, MetLife offers features and enhancements that add value to your benefits program and provide your employees and their families with the support they need.

Term Life Insurance

Offer employees a cost-effective financial safety net for a fixed period of time.
MetLife offers a variety of solutions that help balance cost with employee needs.

  • Basic Term Life. Foundational protection that helps meet a portion of a family’s income needs in the event of a premature death.
  • Supplemental Life.  Allows employees to increase their protection to meet their individual needs at no cost to employers.
  • Dependent Life. Offers additional coverage for spouses, domestic partners and eligible children creating even more value for your benefit program with no additional cost to employers.
  • Voluntary Retiree Life. Designed specifically for new retirees, providing coverage to meet their changing needs and driving employee loyalty at no cost to employers.

 

Whole Life Insurance from Texas Life Insurance Company

Help employees ensure their loved ones are protected from the cost of final expenses.
A perfect complement to your employees’ group term coverage. Whole life insurance, underwritten by Texas Life Insurance Company, provides an additional level of permanent coverage to assist with final expenses, such as funeral costs. And offers features employees may need, including:

  • Coverage can be paid up at age 65
  • Optional features protect employees in the event of early death, chronic illness or disability
  • Portable coverage enables employees to take the coverage with them.

 

Universal Life Insurance

Portable, permanent life insurance protection that builds cash value and helps employees prepare for whatever life brings.

  • Group Variable Universal Life (GVUL). Combines life insurance protection with tax-advantaged investment options enabling employees to grow their savings.
  • Group Universal Life (GUL). Offers life insurance protection along with a tax-advantaged saving option that allows your employees to save for their future

 

These coverages:
  • Supplement a 401(k) or other qualified savings plans
  • Provide access to cash value before age 59½, without penalty or surrender charges
  • Offer an option to include Accidental Death & Dismemberment coverage

 

Accidental Death and Dismemberment

Complementary to your basic term life coverage, AD&D provides enhanced coverage for unexpected events.
This low-cost coverage pays for a covered accident that results in a loss of life, speech, hearing or sight, paralysis and other losses offering employees more ways to protect themselves and their loved ones.

  • Basic Accidental Death & Dismemberment (AD&D). Employer-paid coverage that provides an accidental death benefit equal to an employee’s basic term life insurance amount.
  • Supplemental AD&D. Employee-paid coverage that complements the value of Supplemental Term Life with added coverage, a percentage of the death benefit amount is payable in the event of non-fatal covered losses
  • Dependent AD&D. Employee-paid coverage that provides spouses and dependents with a benefit equal to the Dependent Term Life benefit amount.
  • Voluntary AD&D. Employee-paid benefit that is offered as a stand-alone coverage to employees, spouses and dependent children — available regardless of enrolling in life insurance
  • Business Travel Accident (BTA). Employer-paid coverage that includes an additional benefit for covered accidents resulting in death or serious injury for employees who are traveling on company business, both domestically and internationally

 

Please see the group certificate for specific information regarding covered benefits or visit the MetLife website for full details and exclusions

Vision

Your employees will benefit from savings that are built into our plan designs, ensuring that participants and their covered family members save on total costs — premiums and out-of-pocket costs — for eye exams, prescription glasses, sunglasses or contacts.

  • Flexibility Wide range of plan designs — including $0 copay options — available in all 50 states
  • Convenient access Unique proprietary network with over 94,000 access points, including private practice and retail center locations
  • Simple to use No ID card or in-network claims forms needed, and our mobile app and online tools make it easy to find a provider, get plan information, review a claim, and more
  • Cutting-edge expertise You can count on MetLife to ensure your vision plan is based on the latest research and market trends. We include standard features that are only offered as options by other carriers

 

Please see the group certificate for specific information regarding covered benefits or visit the MetLife website for full details and exclusions

Pet Insurance

Veterinary care can be expensive, which can put a strain on your employees’ finances. We make it easy for you to provide financial protection for your employees’ whole family.

  • A broad range of plans offered through Nationwide®, from everyday care to special needs
  • Discounts for enrolling through the workplace
  • Freedom to use any licensed vet worldwide
  • Exceptional 24/7 service by experienced professionals
  • Convenient payment options
  • Portability option for continuation of coverage

 

Please see the group certificate for specific information regarding covered benefits or visit the MetLife website for full details and exclusions