Plan Highlights
- Guaranteed Issue 1 Benefit Amounts: $10,000, $20,000, $30,000 and now $50,000!
- Recurrence benefit up to 300% of your total benefit may be payable depending on plan purchased and type of covered illness 2.
- No age limit for eligibility! Just be an Active CSEA Member!
- Spouse/Domestic Partner and Child Coverage available.
- Covers 6 Major Illnesses that now includes Alzheimer’s Disease.
Plan Details
If you meet the group policy and certificate requirements, critical illness insurance provides you with a lump-sum payment upon a verified diagnosis of any of these conditions:
- Cancer3
- Heart attack
- Stroke4
- Coronary artery disease
- Major organ transplant (other than bone marrow)
- Kidney failure
- Alzheimer’s Disease5
1 You must be an active member of CSEA and you must be able to perform normal activities. Coverage is guaranteed provided (1) the employee is actively at work and (2) dependents to be covered are not subject to medical restrictions set forth on the enrollment form and in the Certificate. Some states require the insured to have medical coverage. Additional restrictions may apply to dependents serving in the armed forces or living overseas.
2 Refer to your certificate for details on covered illnesses.
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). 5. Skin cancer is only available to NY certificates.
4 In certain states, the Covered Condition is Severe Stroke.
5 Please review the Outline of Coverage for specific information about Alzheimer’s disease.
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. The plan may include a pre-existing condition exclusion. After a covered condition occurs, there is a benefit suspension period during which benefits will not be paid for a recurrence, except in the case of individuals covered under a New York certificate. MetLife offers CII with either Attained Age or Issue Age rates. 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 include a Benefit Reduction Due to Age provision. 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 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 your policy certificate. 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.
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