Voluntary Supplemental BenefitsAdministered by MetLife

  1. Voluntary Supplemental Benefits Overview
  2. Supplemental Life Insurance
  3. Supplemental Accidental Death & Dismemberment
  4. Short-Term / Long-Term Disability Insurance
  5. Critical Illness Insurance
  6. Coverages Ending after 2016

Voluntary Supplemental Benefits Overview

Voluntary Supplemental Benefits offer you the opportunity to obtain benefits that best suit the needs of you and your family. Enrollment in any plan is optional – choose only the plans and coverage levels that meet your needs. Most Premiums are paid through payroll deductions and are subtracted from gross wages before taxes are deducted – an added advantage to the plan. Some restrictions apply for life insurance premiums.

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Supplemental Life Insurance

In addition to Basic Life Insurance funded by the state and Select Life Insurance that you can choose to enroll in, there is also additional Supplemental Life Insurance you may want to enroll in as well. Enrollment is optional, pays in a lump sum, and only covers the employee.

If a you elect Supplemental Life Insurance, and when combined with Basic Life insurance coverage, amounts to coverage exceeding $50,000, the portion of the premiums for the coverage over $50,000 is taxable.

  • Eligibility

    As of January 1, 2017, the following employees are eligible to participate in Voluntary Benefits:

    • State employees except members of the Labor, Trades and Crafts (LTC) unit, the Teachers’ Retirement System (TRS), on-call employees, temporary legislative employees, employees of the National Guard (including Emergency Guard), short term non-permanent employees, student interns, leased employees, and emergency employees hired for natural disasters, including emergency firefighters.
    • Employees of a participating political subdivision covered under the terms of the political subdivision’s participation agreement.
  • Benefit Amount

    Supplemental life insurance is available in the following volumes:

    • $10,000
    • $50,000
    • $100,000
    • $200,000
    • $300,000
  • Premiums

    To determine your monthly premium, find your age as of January 1, 2017, the amount of insurance elected, and the corresponding rate on the following chart:

    2017 Supplemental Life Insurance Rates
    Age Rate Per $1,000 per month
    Under 30 $0.03
    30 – 39 $0.04
    40 – 44 $0.08
    45 – 49 $0.12
    50 – 54 $0.19
    55 – 59 $0.28
    60 – 64 $0.40
    65 – 69 $0.63
    70 – 74 $1.29
    75 – 79 $2.06
    80 – 84 $2.06
    85 & over $2.06
    Effective: Jan. 1 - Dec. 31, 2017

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Supplemental Accidental Death & Dismemberment (AD&D)

Accidental Death and Dismemberment (AD&D) can be added to your VSB package. Supplemental AD&D can cover you or yourself and your family, but you must enroll in a minimum of $10,000 of Supplemental Life Insurance. This plan pays benefits if your death or dismemberment is caused by an accident. It pays in a lump sum, with the benefit dependent on loss and family structure.

  • Eligibility

    As of January 1, 2017, the following employees are eligible to participate in Voluntary Benefits:

    • State employees except members of the Labor, Trades and Crafts (LTC) unit, the Teachers’ Retirement System (TRS), on-call employees, temporary legislative employees, employees of the National Guard (including Emergency Guard), short term non-permanent employees, student interns, leased employees, and emergency employees hired for natural disasters, including emergency firefighters.
    • Employees of a participating political subdivision covered under the terms of the political subdivision’s participation agreement.
  • Benefit Amount
    • If family includes children:
      • Employee has a full benefit amount of $100,000
      • Spouse has a full benefit amount of $40,000

    • If family does not include children:
      • Spouse has a full benefit amount of $50,000

    • If family includes spouse:
      • Children have a full benefit amount of $5,000

    • If family doesn’t include spouse:
      • Children have a full benefit amount of $10,000
  • Premiums
    2017 Supplemental AD&D Rates
    -- Rate per Month
    Employee Only $1.80
    Employee and Family $2.70
    Effective: Jan. 1 - Dec. 31, 2017
  • Benefit Payouts
    2017 Supplemental AD&D Payouts
    For the loss of... The plan will pay...
    Life Full Benefit Amount
    Both eyes, feet or hands or any combination thereof Full Benefit Amount
    One eye, one foot or one hand 1/2 of full benefit amount
    Thumb and index finger of same hand 1/4 of full benefit amount
    Effective: Jan. 1 - Dec. 31, 2017

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Short-Term / Long-Term Disability Insurance

The Short-Term Disability plan and the Long-Term Disability plans are designed to replace a portion of your income if you become disabled and are unable to work due to illness or injury. You may enroll for the short-term plan separately or one of the long-term plans or a combination of the short-term plan with one long-term plan.

  • Premiums at a Glance

    Short-Term Disability (STD) covers 60% of your monthly base pay, up to a maximum of $577 per week. The cost for this benefit is $2.04 per month.

    2017 Short-Term Disability Rates
    Who is Covered Plan Monthly Cost
    Employee Plan A (60%) $2.04
    Effective: Jan. 1 - Dec. 31, 2017

    Long-Term Disability (LTD) is available in 2 levels. You can elect to have either 50% or 70% of your monthly base pay covered.

    2017 Long-Term Disability Rates
    Age Rate Per $100 of covered payroll
    Plan B (50%) Plan C (70%)
    under 25 $0.28 $0.63
    25-29 $0.29 $0.64
    30-34 $0.29 $0.65
    35-39 $0.30 $0.66
    40-44 $0.31 $0.70
    45-49 $0.34 $0.75
    50-54 $0.37 $0.82
    55-59 $0.41 $0.89
    60-64 $0.42 $0.91
    65-69 $0.44 $0.94
    70+ $0.54 $1.13
    Effective: Jan. 1 - Dec. 31, 2017

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Critical Illness Insurance

The Critical Illness Supplemental Insurance plan can pay a lump sum upon certain diagnoses. Diagnoses include cancer, heart attack, major organ transplant, kidney failure, Alzheimer’s disease, and other illnesses.

MetLife Critical Illness Insurance can complement existing medical coverage and help fill financial gaps caused by out-of-pocket expenses such as mortgage payments, college tuition, hiring household help, or treatment not covered by your medical plan.

Critical Illness Insurance provides several features that could be valuable to you, including:

  • Portability which gives you the ability to keep your existing coverage if your employment status changes;
  • No coordination with other insurance benefits;
  • A lump-sum benefit that you can use as you feel necessary.
  • Benefits are paid regardless of what is covered by medical insurance.
  • Benefit Amount
    2017 Critical Illness Plan Design
    Benefit for Covered Conditions Initial Benefit Recurrence Benefit
    Alzheimer’s Disease 100% of Benefit Amount NONE
    Coronary Artery Bypass Graft 100% of Benefit Amount 50% of Benefit Amount
    Full Benefit Cancer 100% of Benefit Amount 50% of Benefit Amount
    Partial Benefit Cancer 25% of Benefit Amount 12.5% of Benefit Amount
    Heart Attack 100% of Benefit Amount 50% of Benefit Amount
    Kidney Failure 100% of Benefit Amount NONE
    Major Organ Transplant 100% of Benefit Amount NONE
    Stroke 100% of Benefit Amount 50% of Benefit Amount
    Listed Conditions

    Receive 25% of the initial benefit amount for 22 conditions: 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); Legionnaire’s 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; and tuberculosis.

    Benefit Suspension Period

    After a covered condition occurs there is a 365 days day Benefit Suspension Period during which most plans do not pay Recurrence benefits. The Benefit Suspension Period does not apply to first occurrences of distinct covered conditions.

    Cancer Recurrence

    We will not pay Recurrence benefits for Full Benefit Cancer or Partial Benefit Cancer benefits unless the insured has not been treated nor had symptoms for at least 180 days.

    Other Benefits
    Health Screening Benefit

    If you take one of the screening/prevention measures listed below while such covered person is insured under the certificate MetLife will pay a health screening benefit upon submission of proof that such measure was taken. When MetLife receives such proof, MetLife will review it, and if MetLife approves the claim, MetLife will pay a health screening benefit of $50 or $100, depending on level of coverage.

    The Covered Tests are: physical exam, biopsies for cancer, blood test to determine total cholesterol, blood test to determine triglycerides, bone marrow testing, breast MRI, breast ultrasound, breast sonogram, cancer antigen 15-3 blood test for breast cancer (CA 15-3), cancer antigen 125 blood test for ovarian cancer (CA 125), carcinoembryonic antigen blood test for colon cancer (CEA), carotid Doppler, chest x-rays, clinical testicular exam, colonoscopy, digital rectal exam (DRE), Doppler screening for cancer, Doppler screening for peripheral vascular disease, Echocardiogram, electrocardiogram (EKG), endoscopy, fasting blood glucose test, fasting plasma glucose test, flexible sigmoidoscopy, hemoccult stool specimen, hemoglobin A1C, human papillomavirus (HPV) vaccination, lipid panel, mammogram, oral cancer screening, pap smears or thin prep pap test, prostate-specific antigen (PSA) test, serum cholesterol test to determine LDL and HDL levels, serum protein electrophoresis, skin cancer biopsy, skin cancer screening, skin exam, stress test on bicycle or treadmill, successful completion of smoking cessation program, tests for sexually transmitted infections (STIs), thermography, two hour post-load plasma glucose test, ultrasounds for cancer detection, ultrasound screening of the abdominal aorta for abdominal aortic aneurysms, and virtual colonoscopy.

    • MetLife will only pay one health screening benefit per covered person per calendar year.
    Effective: Jan. 1 - Dec. 31, 2017
  • Premiums
    2017 Critical Illness Rates & Structure
    Age Tiers Rate Basis (multiple by $15,000 or $30,000)
    Employee Only Employee + Spouse Employee + Children Employee + Spouse & Children
    Under 25 $0.19 $0.33 $0.36 $0.50 Per $1,000/mth
    25–29 $0.21 $0.35 $0.37 $0.52 Per $1,000/mth
    30–34 $0.29 $0.48 $0.45 $0.64 Per $1,000/mth
    35–39 $0.41 $0.67 $0.58 $0.84 Per $1,000/mth
    40–44 $0.63 $1.00 $0.79 $1.17 Per $1,000/mth
    45–49 $0.95 $1.50 $1.12 $1.66 Per $1,000/mth
    50–54 $1.39 $2.17 $1.55 $2.33 Per $1,000/mth
    55–59 $1.95 $3.05 $2.12 $3.21 Per $1,000/mth
    60–64 $2.82 $4.40 $2.99 $4.57 Per $1,000/mth
    65–69 $4.27 $6.65 $4.44 $6.81 Per $1,000/mth
    70+ $6.49 $10.04 $6.66 $10.21 Per $1,000/mth
    Effective: Jan. 1 - Dec. 31, 2017
  • Important Note

    Your Critical Illness certificate provides limited benefits – read your certificate carefully. By enrolling for Critical l Illness Insurance, you declare that no person proposed for Critical Illness coverage is covered under any Title XIX program (Medicaid or any similarly named program); that all persons to be insured have medical coverage in force that provides benefits for medical treatment, including hospital, surgical and medical expenses; you acknowledge you have read Shopper’s Guide to Cancer Insurance; and you have received and read a copy of the Outline of Coverage or other disclosure document for the group Critical Illness plan. By enrolling in Critical Illness you agree you have read the enrollment documentation and declare that all information you have given is true and complete to the best of your knowledge and belief; and, you have read the applicable Fraud Warning(s) provided.

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Coverages Ending after 2016

These Supplemental Benefits are ending Dec. 31, 2016, and will no longer be offered:

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