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A premier provider of group and employer-sponsored critical illness benefits, with policies that can often be retained even after a job change.
MetLife is one of the largest providers of employer-sponsored critical illness coverage in the US, commonly offered as a voluntary benefit alongside group health insurance. A key advantage of MetLife's plans is portability, allowing many policyholders to retain their coverage even if they leave their employer, which is not always guaranteed with workplace benefits.
3 plans available — compare coverage, premium, and key features.
Commonly offered through employers as a voluntary benefit
Key Features
Portable coverage you can keep even after leaving your employer
Highest MetLife tier with full portability from employer plans
Step-by-step claim process for MetLife.
Obtain a diagnosis for a covered critical illness from a licensed physician.
Complete the claim form and submit medical records and supporting documents.
The insurer reviews eligibility, policy terms and submitted documentation.
Once approved, the lump-sum critical illness benefit is paid to the policyholder.
MetLife's strength lies in offering critical illness benefits through the workplace that remain portable, giving policyholders continuity of coverage even through job changes.
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Many MetLife group plans offer guaranteed issue coverage during open enrollment, without medical underwriting.
MetLife pays a lump-sum benefit upon first diagnosis of a covered condition, based on the elected coverage amount.
Portability options may allow you to continue coverage after retirement by paying premiums directly to MetLife.
Yes, many MetLife plans allow you to add dependent children under the primary policyholder's coverage.
Beneficiary details can be updated by submitting a change request form through MetLife's online portal or HR department.
Disclaimer: Premium amounts are indicative and may vary based on age, health, and plan selected. Ratings and figures are based on publicly available company disclosures and state insurance department filings. Finzony is not an insurance broker or agent. Verify all details on the official MetLife website before purchasing.
Key Features
Key Features