Benefit from a Well Workforce
Add More Value to Your Employee Benefits Program
An effective wellness program can help promote healthy lifestyles for your employees –
both physically and financially. In addition to some of the traditional components of a
typical program – like smoking cessation or weight management – financial well-being
components, such as educational workshops or tools and guidance at the time of life
events, can also play a key role in overall wellness.
The benefits of a comprehensive wellness program extend beyond healthy and happy
employees. Having a healthy, financially secure workforce can also contribute to:
- increased employee productivity
- reduced health care costs
- reduced absenteeism
- greater employee morale
- employee retention
Clearly, implementing and supporting wellness initiatives makes sense for the employer’s
bottom line as well.
Maximize your MetLife Benefits
As a leading provider of employee benefits to 90 million customers in 46 countries,
MetLife continues to draw from its experience as well as explore new ways to effectively
deliver added value to our customers – and their employees. One of the ways we’re
doing this is by including a variety of features across our product suite that foster both
the physical and financial well-being of your employees.
ACCIDENT
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ADF# CI443.13
Auto AND Home
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Critical Illness
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Dental
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Disability
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Legal
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Life
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Vision
MetLife’s Products and Services Promote Employee Wellness
The following features are available when your company offers
the product(s) listed.
Critical Illness
Insurance1
• Covered employees are eligible for a Health Screening Benefit2 that puts money
back in their pocket after having standard screening test performed, including annual
physical exams, mammography and chest X-rays.
Dental
• Dental benefits play an important role in employees managing their health and
creating a personal safety net. MetLife offers a variety of online tools for employees
to make the most of their coverage:
- The Oral Health Library contains articles and tools that can help employees learn
more about the importance of oral health and its connection to overall health.
- The MetLife Dental Health ManagerSM,3 provides tangible, actionable insights
that can help employers make better benefit decisions, and can help your
employees manage their oral and overall health.
- Interactive Dental Risk Assessment Tools to help employees determine their risk
for periodontal disease or tooth decay to then discuss the results with their dentist.
Disability Insurance
MetLife’s Disability Health and Wellness Connection4 works with your existing
medical carrier(s), wellness provider(s) and disease management programs to drive
employee awareness and utilization of these programs and help you and your
employees get the most from your overall benefits investment. Health and Wellness
Connection is aimed at providing:
- Coordination between programs to allow appropriate and timely intervention in
chronic condition and disease management
- Improved health status of employees
- Ability to identify trends and top drivers impacting absenteeism and health
plan costs
• In addition to the benefits provided under MetLife’s Group Disability Insurance
coverage, employees have access to an Employee Assistance Program5 (EAP) to
help with the everyday challenges of life that may affect their health, family life
and desire to excel at work.
Life Insurance6
•M
etLife’s Life insurance includes features that are designed to help employees – and
their beneficiaries – make the most out of life today, and tomorrow.
- Covered employees have access to Will Preparation Tools7 and MetLife’s Funeral
Planning Guide, a useful resource to help them document their final wishes and
important financial information.
- The Total Control Account®8 is a life settlement option that helps beneficiaries
manage life insurance proceeds while maintaining easy access to their funds.
- Delivering the Promise® offers professional and caring services for employees’
beneficiaries who have financial questions and personal needs for assistance and
information after the loss of a loved one.
MetLife PlanSmartSM,9
Financial Education
Series
PlanSmart provides employees with access to a range of financial and retirement
education resources through on-site workshops, optional personal consultations,
and decision-support assistance. The educational series offers employees the
information and tools they need to take concrete steps toward achieving their
financial and retirement goals.
PlanSmart’s holistic approach connects the workplace benefits you offer with your
employees’ overall financial strategy, helping to increase benefits utilization,
appreciation, and overall loyalty.
Vision10
• Eye exams are more than the first step to correcting vision problems or treating eye
diseases. They can also help detect and monitor serious health problems like diabetes.
That’s why MetLife Vision benefits include the Diabetes Awareness Program as a
standard feature. The program provides outreach materials to help educate members
with diabetes about the importance of regular eye exams. In addition, registered
program participants will have access to our Vision Health Library that consists of
educational articles and resources (Coming Soon in 2013).
Ask your employee benefits adviser or MetLife representative
for more information on how you can optimize your benefit
plan features to complement and enhance your company’s
wellness program.
Like most group benefit programs, benefit programs offered by MetLife and its affiliates contain certain
exclusions, exceptions, waiting periods, reductions of benefits, limitations and terms for keeping them in
force. Please contact MetLife for complete details.
5. EAP services provided through an agreement with MHN, Inc. MHN is not a subsidiary or affiliate of
MetLife and the services provided are separate and apart from the insurance and services provided by
MetLife.
The products and services above are available to employers based on group size, underwriting and state
requirements. Please direct any questions about product availability to your broker, consultant or MetLife
representative.
6. Life insurance issued by Metropolitan Life Insurance Company, New York, NY, 10166, MetLife Investors
USA Insurance Company, Irvine, CA, 92614 (except in NY), and First MetLife Investors Insurance
Company, New York, NY (NY only), members of the MetLife family.
1. METLIFE’S 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 vary by state. There is
a preexisting condition exclusion in all states. There is a benefit suspension period between recurrences
of the same covered condition. A more detailed description of the benefits, limitations, and exclusions
applicable to you can be found in the Disclosure Statement or Outline of Coverage/Disclosure
Document available at time of enrollment. Please contact MetLife for more information.
7. W
illsCenter.com is a document service provided by SmartLegalForms, Inc., an affiliate of Epoq Group,
Ltd. SmartLegalForms, Inc. is not affiliated with MetLife and the WillsCenter.com service is separate
and apart from any insurance or service provided by MetLife. The WillsCenter.com service does not
provide access to an attorney, does not provide legal advice, and may not be suitable for your specific
needs. Please consult with your financial, legal, and tax advisors for advice with respect to such
matters.
MetLife’s CII is not intended to be a substitute for medical coverage providing benefits for medical
treatment, including hospital, surgical and medical expenses. MetLife’s CII does not provide
reimbursement for such expenses. Benefits are underwritten by Metropolitan Life Insurance Company,
New York, New York.
2. There is a $50 benefit with a $15,000 Initial Benefit Amount and a $100 Benefit with a $30,000 Initial
Benefit Amount. In most states there is a 30 day waiting period for the Health Screening Benefit.
There is no waiting period for MD sitused cases. The Health Screening Benefit is not available to NH
sitused cases or NH residents. There is a separate mammogram benefit for MT residents and for cases
sitused in CA and MT.
3. Available for groups with 1,000 or more eligible employees, excluding Full Service Dental for Retirees
and Dental HMO/Managed Care benefit plans. Other restrictions may apply. Please contact MetLife for
complete details.
4. Available for employers with 3,000+ covered employee lives. MetLife does not provide any Disease
Management, Health and Wellness Programs or Data Warehousing. Employers will need to contract
for these services outside of their relationship with MetLife.
8. Subject to state law, and/or group policyholder requests, the Total Control Account (TCA) is provided
for all Life and AD&D benefits of $5,000 or more. The TCA is not insured by the Federal Deposit
Insurance Corporation or any government agency. The assets backing TCAs are maintained in
MetLife’s general account and are subject to MetLife’s creditors. MetLife bears the investment risk of
the assets backing the TCAs, and expects to receive a profit. Regardless of the investment experience
of such assets, the interest credited to TCAs will never fall below the guaranteed minimum rate.
Guarantees are subject to the financial strength and claims-paying ability of MetLife.
9. M
etropolitan Life Insurance Company (MLIC), New York, NY 10166. Securities products and
investment advisory services offered by MetLife Securities, Inc. (MSI) (member FINRA/SIPC) and a
registered investment adviser, 1095 Avenue of the Americas, New York, NY 10036. MLIC and MSI are
MetLife companies.
10. MetLife Vision benefits are underwritten by Metropolitan Life Insurance Company, New York, NY.
Certain claims and network administration services are provided through Vision Service Plan (VSP).
VSP is not an affiliate of MetLife or its affiliates. In certain states, availability of MetLife’s group vision
benefits is subject to regulatory approval.
Metropolitan Life Insurance Company
200 Park Avenue
New York, NY 10166
www.metlife.com
1212-4258
© 2013 METLIFE, INC. L0413317518[exp0514][All States]
PEANUTS © 2013 Peanuts Worldwide