Retiree Critical Illness Insurance
A critical illness can affect you physically, emotionally, and financially. Though we can't prevent an illness from occurring, we can help lighten the financial burden so you can focus on healing. With CSEA-Sponsored Critical Illness Insurance, you can receive funds for certain covered critical illnesses to help pay for medical treatments or everyday expenses—it's your pick! From prescription drug co-pays to your mortgage or rent, coverage will help fill the gaps that traditional life, medical, or disability insurance may leave.
To be eligible for coverage, you must be an active CSEA retiree member under the age of 70.
- Choose from guaranteed issue benefit amounts of $10,000 or $20,000.
- Receive recurrence benefit payments for different covered conditions until you reach 300% of your total benefit.1
- Use funds in any way you choose, including indirect, non-medical, and non-covered costs.
- Earn a $75 annual wellness benefit for taking a pre-approved screening test every year.
- Elect for spouse/domestic partner coverage (if desired).
The CSEA-Sponsored Critical Illness Insurance program covers the following conditions:
- Heart attack
- Coronary artery disease
- Kidney failure
- Major organ transplant
1 There is a Benefit Suspension Period between Recurrences. We will not pay a Recurrence Benefit for a Covered Condition that Recurs during a Benefit Suspension Period. We will not pay a Recurrence Benefit for either a Full Benefit Cancer or a Partial Benefit Cancer unless the Covered Person has not had symptoms of or been treated for the Full Benefit Cancer or Partial Benefit Cancer for which we paid an Initial Benefit during the Benefit Suspension Period. A Recurrence Benefit is available for the following conditions: Heart Attack, Stroke, Coronary Artery Bypass Graft, Full Benefit Cancer and Partial Benefit Cancer.
2 Please review the Disclosure Statement or Outline of Coverage/Disclosure Document for specific information about cancer benefits. Not all types of cancer are covered. Some cancers are covered at less than the Initial Benefit Amount. Skin Cancer is covered at 5% of the Initial Benefit Amount (but not less than $250). Skin cancer is only available to NY certificates.
3 Please review the Disclosure Statement or Outline of Coverage/Disclosure Document for specific information about cancer benefits. Not all types of cancer are covered. Some cancers are covered at less than the Initial Benefit Amount. Skin Cancer is covered at 5% of the Initial Benefit Amount (but not less than $250). Skin cancer is only available to NY certificates.
METLIFE CRITICAL ILLNESS INSURANCE (CII) IS A LIMITED BENEFIT GROUP INSURANCE POLICY. Like most group accident and health insurance policies, MetLife’s CII policies contain certain exclusions, limitations and terms for keeping them in force. Product features and availability may vary by state. In most plans, there is a pre-existing condition exclusion. After a covered condition occurs, there is a benefit suspension period during which most plans do not pay recurrence benefits, except in the case of insureds covered under a New York certificate. MetLife offers CII on both an Attained Age and an Issue Age basis. Attained Age rates are based on 5-year age bands and will increase when a Covered Person reaches a new age band. MetLife’s Issue Age CII is guaranteed renewable, and may be subject to benefit reductions that begin at age 65. Premium rates for MetLife’s Issue Age CII are based on age at the time of the initial coverage effective date and will not increase due to age; premium rates for increases in coverage, including the addition of dependents’ coverage, if applicable, will be based on the covered person’s age at the time of the initial coverage effective date. Rates are subject to change for MetLife’s Issue Age CII on a class-wide basis. A more detailed description of the benefits, limitations, and exclusions applicable to both Attained Age and Issue Age CII can be found in the applicable Disclosure Statement or Outline of Coverage/Disclosure Document available at time of enrollment. For complete details of coverage and availability, please refer to the group policy form GPNP07-CI, GPNP09-CI or GPNP14-CI, or contact MetLife for more information. Benefits are underwritten by Metropolitan Life Insurance Company, New York, New York.
MetLife's Critical Illness Insurance is not intended to be a substitute for Medical Coverage providing benefits for medical treatment, including hospital, surgical and medical expenses. MetLife's Critical Illness Insurance does not provide reimbursement for such expenses
Insurance coverage is issued by Metropolitan Life Insurance Company, New York, NY 10166.L0920008139[exp0922][All States][DC,GU,MP,PR,VI] © 2020 MetLife Services and Solutions, LLC
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