Page 13 - TCW_Benefit Guide_2019 FINAL

CRITICAL ILLNESS COVERAGE

CRITICAL ILLNESS INSURANCE

MetLife provides competitive group rates for voluntary Critical Illness Insurance.
The coverage, provides a cash benefit when a claim is submitted and a covered
diagnosis is verified. You choose how to use the money, whether to cover medical
expenses associated with the disease (e.g. deductible, copays, out-of-network specialists, and
out-of-pocket limits) or anything else. Coverage is available in amounts of $15,000, $30,000,
or $50,000 for yourself and your family.

There are no medical exams and no health questions required to obtain the coverage. The
insurance is guaranteed when you make your election in your initial eligibility period as a
new employee or during the annual enrollment period, as long as you are actively at work
performing all the usual and customary duties of your job and your dependents are not
subject to medical restrictions when the coverage would become effective.

Full benefits are paid upon diagnosis of certain Cancers, Heart Attack, Stroke, Kidney Failure,
Coronary Artery Bypass, Alzheimer’s Disease, or Major Organ Transplant; diagnosis of 22
additional conditions will pay a benefit of 25% of the policy amount. Benefits may be paid up
to three times the coverage amount if a condition recurs or if you are diagnosed as having a
second (or third) diagnosis of a covered illness. Benefits for spouse and child coverage are
50% of the benefit elected for the employee.

Premiums for Critical Illness Insurance will be paid with post-tax dollars, so the plan will pay
the full benefit for any claim that is accepted.
Monthly Premium for each $1,000 of Coverage
Attained Age Employee Only Employee + Spouse Employee + Children Employee + Spouse + Children
(as of March 1 each year)
<25 $0.41 $0.72 $0.75 $1.06
25-29 $0.43 $0.75 0.77 $1.09
30-34 $0.56 $0.93 $0.90 $1.27
35-39 $0.77 $1.25 $1.11 $1.59
40-44 $1.17 $1.84 $1.51 $2.18
45-49 $1.69 $2.60 $2.03 $2.94
50-54 $2.50 $3.74 $2.84 $4.08
55-59 $3.52 $5.17 $3.86 $5.51
60-64 $4.96 $7.17 $5.30 $7.52
65-69 $7.27 $10.38 $7.61 $10.72
70+ $10.12 $14.52 $10.46 $14.87
The above information is provided for illustrative purposes only. Refer to the applicable carrier material for exact description of plan
benefits and conditions.

This plan also includes a wellness benefit. If you are enrolled in the plan and obtain any number of qualified
wellness screenings, you and your dependents will receive an additional benefit of $50, $75 or $100 based
on the plan you elect.

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