Learn more about MetLife Critical Illness and complementing your medical and disability coverage with a lump-sum payment if you experience a specific condition, such as:
- Cancer
- Heart attack
- Stroke
- Kidney failure
- Major Organ Transplant, bone marrow, heart, lung, pancreas and liver Coronary artery bypass graft
See the Summary of Benefits for the full list of additional conditions covered.
- Addison’s disease (adrenal hypofunction)
- amyotrophic lateral sclerosis (Lou Gehrig’s disease)
- cerebrospinal meningitis (bacterial)
- cerebral palsy
- cystic fibrosis
- diphtheria
- encephalitis
- Huntington’s disease (Huntington’s chorea)
- Legionnaires' disease
- malaria
- multiple sclerosis (definitive diagnosis)
- muscular dystrophy
- myasthenia gravis
- necrotizing fasciitis
- osteomyelitis
- poliomyelitis
- rabies
- sickle cell anemia (excluding sickle cell trait)
- systemic lupus erythematosus (SLE)
- systemic sclerosis (scleroderma)
- tetanus
- tuberculosis
Coverage Options
- Choice of $15,000 or $30,000 coverage for yourself
- Your spouse/domestic partner can be covered at the same level you choose for yourself
- Your eligible child can be covered at the same level you choose for yourself
To cover your spouse or children, you must enroll in coverage for yourself.
Monthly costs per $1,000 of coverage are shown in the table below.
| Age |
Employee |
Spouse or Domestic Partner |
| < 25 |
$0.09 |
$0.12 |
| 25–29 |
$0.10 |
$0.14 |
| 30–34 |
$0.18 |
$0.23 |
| 35–39 |
$0.33 |
$0.43 |
| 40–44 |
$0.59 |
$0.81 |
| 45–49 |
$1.06 |
$1.31 |
| 50–54 |
$1.80 |
$2.08 |
| 55–59 |
$2.90 |
$2.95 |
| 60–64 |
$4.54 |
$4.17 |
| 65–69 |
$7.03 |
$5.99 |
| 70+ |
$10.07 |
$8.68 |
The monthly cost per $1,000 of coverage for children is $0.06.
How to Enroll
Enroll via the U.S. Benefits Enrollment Site. You can enroll or cancel coverage at any time. Coverage is effective the first of the month following enrollment. Enrollment during our annual open enrollment period is effective January 1, the first day of the new plan year.