Cancer Insurance
Safeguard your finances from the devastating cost of cancer treatment.
In addition to the critical challenge cancer poses to one’s health, it can quickly become a serious financial burden. Even the best of health plans can leave you with deductibles, copays and costs for out-of-network care. Since disability plans only cover a portion of income, there could be a significant gap between your income and your family's everyday living expenses, such as the mortgage, rent, utilities, car payments, groceries and child care payments.
For questions call 1 (800) 422-4492,
Monday through Friday, 8:30 AM to 5 PM (ET)
| Eligible Individual | Initial Benefit | Requirements |
|---|---|---|
| Member | $15,000 or $30,000 | Coverage is guaranteed provided you are actively at work.3 |
| Spouse/Domestic Partner1 | 50% of the Initial Benefit | Coverage is guaranteed provided you are actively at work and the spouse/domestic partner is not subject to a medical restriction as set forth in the Certificate.3 |
| Dependent Child(ren)2 | 50% of the Member’s Initial Benefit | Coverage is guaranteed provided you are actively at work and the spouse/domestic partner is not subject to a medical restriction as set forth in the Certificate. Dependent Child means: Your biological, adopted, or stepchild who is under age 26.3 |
Coverage is paid through convenient payroll deduction. Associate members will be direct billed for their coverage.
Notes:
1 Coverage for Domestic Partners, civil union partners and reciprocal beneficiaries varies by state. Please contact MetLife for more information.
2 Dependent Child coverage varies by state. Please contact MetLife for more Information.
3 Coverage is guaranteed provided (1) the employee is actively at work. (2) Dependents are not subject to medical restrictions as set forth on the enrollment form and in the Certificate. Some states require the dependent to have medical coverage. Additional restrictions apply to dependents serving in the armed forces or living overseas.
Coverage is guaranteed provided (1) the member is performing all of the usual and customary duties at your job at the employers’ place of business or at an alternate place approved by your employer. (2) dependents 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.
4 Please review the Disclosure Statement or outline of coverage/Disclosure Document for specific information about cancer benefits. Not all types of cancer are covered. Some cancers are covered at less than the original benefit amount.
5 There is a Benefit Suspension Period between Recurrences. We will not pay a Recurrence Benefit for a Covered Condition that Recurs during a Benefit Suspension Period. We will not pay a Recurrence Benefit for a Full Benefit Cancer, a Partial Benefit Cancer or an All Other Cancer unless the Covered Person has not had symptoms of or been treated for the Full Benefit Cancer, Partial Benefit Cancer or All Other Cancer.
6 The Health Screening Benefit is not available in all states. See your Certificate for any applicable waiting periods. There is a separate mammogram benefit for MT residents and for cases situated in MT and CA.
7 Please contact MetLife for additional information. The plan is guaranteed renewable, and may not be canceled due to an increase in your age or a change in your health. Premium rates can only be raised as the result of a rate change made on a class-wide basis. Benefits reduce by 25% at age 6X and 50% at age 70. Coverage is guaranteed renewable provided: (1) premiums are paid as required under the Certificate; and (2) in a situation where the group policy ends, it’s not replaced by a substantially similar cancer policy as described in the Certificate.
Please Note: You must notify The Voluntary Benefits Plan of any address change for you, your dependents and/or beneficiaries, and any change in employment and union membership status change, life status change (i.e., marriage, divorce, beneficiary or name change), or benefit changes requested. Notice must be in writing.
Coverage May Vary or May Not be Available in all States.
This plan is currently not available in NH, OH, TX, UT, WA, and is not available in any U.S. Territories, the Virgin Islands, Puerto Rico and Guam.
Administered By:
Voluntary Benefits Plan
P.O. Box 12009
Cheshire, CT 06410
Phone: 1-800-422-4492
Fax: 1-203-754-7847
This plan is underwritten by Metropolitan Life Insurance Company, New York, New York. This summary is a brief description of benefits only and is subject to the terms, conditions, exclusions and limitations of Group Policy No. 122705. See product benefit kit.
The MetLife Cancer Insurance Plan is based on the MetLife Critical Illness (CII) policy. MetLife Cancer Insurance includes only the Covered Conditions of Full Benefit Cancer and Partial Benefit Cancer.
METLIFE'S CRITICAL ILLNESS INSURANCE (CII) IS A LIMITED BENEFIT GROUP INSURANCE POLICY. Like most group accident and group health insurance policies, MetLife's CII policies contain certain exclusions, limitations and terms for keeping them in force. Product features and availability may vary by state. In most plans, there is a pre-existing exclusion condition. In most states, after a covered condition occurs there is a benefit suspension period during which benefits will not be paid for a recurrence. MetLife's CII is guaranteed renewable, and may be subject to benefit reductions that begin at age 65. Premium rates for MetLife's CII are based on age at the time of initial coverage effective date and will not increase due to age; premium rates for increases in coverage, including the addition of dependents' coverage, if applicable, will be based on the covered person's age at the time of that increase's effective date. rates are subject to change for MetLife's CII on a class-wide basis. A more detailed description of the benefits, limitations and exclusions 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 GPNP14-CI or contact MetLife for more information. Benefits are underwritten by Metropolitan Life Insurance Company, New York, New York. In New York, availability of MetLife's Issue Age CII products is pending regulatory approval.
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.