Critical Illness Insurance

Critical illnesses can happen when you least expect them — and they can be costly.

Recover First, Worry Less

Handling the emotions that come up when experiencing an unplanned and severe illness is difficult enough. Worrying about your financial stability on top of this can obviously be overwhelming. With critical illness insurance, MetLife helps you and your family have the financial stability necessary to focus on healing during a difficult time.

Critical Illness Insurance through your employer may offer benefits for:

  • A lump sum benefit payment to use as you see fit
  • Dependent coverage for a spouse or partner and children2
  • No obligation to submit expense receipts
  • Portable coverage options should you leave your current employer3

For complete plan details, talk with your company’s benefits administrator.

Help Reduce the Financial Impact of a Serious Illness

Critical illness insurance can help you financially prepare for a major illness.

Did You Know?

Major illness could cost you more than $15,0003 With additional insurance, you can manage these expenses.

Need Help?

Log in to your MyBenefits account or access employer information.


Yes, you can use your benefit payment as you see fit. Use it to help cover your household bills, medical insurance deductibles, copayments, and more.

Payments will be paid directly to you, not to the doctors, hospitals, or other healthcare providers. You will receive a check, payable to you, for maximum convenience.

Critical illnesses can happen when you least expect them — and they can be costly. Even quality medical plans can leave you with extra expenses to pay. Costs like plan deductibles, copays for doctor visits, and extra costs for out-of-network care can add up fast. Having the financial support you may need when the time comes means less worry for you and your family.1

Yes. If your employer offers critical illness insurance, your acceptance is guaranteed, regardless of your health. You just need to be actively employed for your coverage to be effective.4 There are no medical exams to take and no health questions to answer.

No. Your critical illness insurance will be effective on the date of your coverage as long as you are actively employed. There are no waiting periods to satisfy.

Yes. Within 3 days of receipt, we’ll send a Claims Acknowledgment Letter. Also, you can choose to receive payments the way you want — electronic funds transfer or check.


Contact your employer for more information.

1 Coverage for Domestic Partners, civil union partners and reciprocal beneficiaries varies by state. Dependent child coverage varies by state. Please contact MetLife for more information.

2 Eligibility for portability through the Continuation of Insurance with Premium Payment provision may be subject to certain eligibility requirements and limitations. For more information, contact your MetLife representative

3 Sourced from MetLife YouTube Video: Voluntary Benefits: Meaningful Conversations, Stephanie & Omrae, Critical Illness Insurance, Accessed January 2020

4 Coverage is guaranteed provided (1) the employee is actively at work and (2) dependents to be covered are not subject to medical restrictions as set forth on the enrollment form and in the Certificate. Some states require the insured to have medical coverage. Additional restrictions apply to dependents serving in the armed forces or living overseas. For CA sitused cases, coverage is guaranteed provided (1) the employee is performing all of the usual and customary duties of the employee's job at the employer's place of business or at an alternate place approved by the employer (2) dependents are not subject to medical restrictions as set forth on the enrollment form and in the Certificate.

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 vary by state. There may be a preexisting condition exclusion. There may be a Benefit Reduction Due to Age provision. There may be a Benefit Suspension Period between recurrences of the same Covered Condition or occurrences of different Covered Conditions. MetLife offers CII on both an Attained Age basis, where rates will increase when a Covered Person reaches a new age band, and an Issue Age basis, where rates will not increase due to age. Rates are subject to change. MetLife reserves the right to raise premium rates for Issue Age CII on a class-wide basis. A more detailed description of the benefits, limitations, and exclusions applicable to MetLife’s CII product 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 the group policy form GPNP07-CI, GPNP09-CI, GPNP10-CI, GPNP14-CI, GPNP19-CI or contact MetLife for more information. Please contact MetLife for more information. 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.