Frequently Asked Questions

General

SEC Select is the SEC's Supplemental Benefits Program, which consists of the following plans:
  • Accident Insurance
  • Aura Identity and Fraud Protection (IFP)
  • Auto and Home Insurance
    Note: Auto and Home Insurance is administered by companies operating under the Farmers GroupSelect® brand.
  • Critical Illness insurance
  • Dental Core Plan
  • Dental Buy-Up Plan
  • Hospital Indemnity
  • MetLife Legal Plan
  • MetLife Legal Plus Parents Plan
  • Optional Life with Accidental Death and Dismemberment (AD&D)
  • Pet Insurance
    Note: Pet Insurance coverage issued by Metropolitan General Insurance Company, a Rhode Island insurance company headquartered at 700 Quaker Lane, Warwick, RI 02886. Coverage subject to restrictions, exclusions and limitations and application is subject to underwriting. See policy or contact policy administrator MetLife Pet Insurance Solutions LLC ("MetLife Pet") for details. MetLife Pet operates under an alternate or fictitious name in NY and MN (MetLife Pet Insurance Services LLC) and in IL (MetLife Pet Insurance Solutions Agency LLC).
  • Short Term Disability (STD) Plan
  • Two Long Term Disability (LTD) Plans
  • Vision Core Plan
  • Vision Buy-Up Plan
Employees are automatically enrolled in the Dental and Vision Core Plans. All plans are administered by MetLife.
Note: Auto and Home Insurance is administered by companies operating under the Farmers GroupSelectSM brand.
The SEC pays the premium for the Core Dental and Core Vision plans for you and the eligible dependents you enroll. If you desire a more comprehensive level of Dental and Vision coverage, Buy–Up options are available for the Dental and Core plans at your expense. Employees pay for all other coverages through biweekly payroll deductions.
Coverage information is available on the SEC Select website at SEC.gov/SECSelect .
All full-time and part-time employees who are eligible for Federal Employee Health Benefits (FEHB) are also eligible for SEC Select. Your dependents are eligible for coverage if they are your legal spouse, domestic partner or dependent child.

To be eligible for disability insurance, part-time employees must work at least 40 hours per pay period. Dependent spouse and children are not eligible for disability insurance through SEC Select.
Your dependent children (including legally adopted children, children under legal guardianship, foster children, and stepchildren) and dependent children of a domestic partner to age 26. Age limits do not apply to a child who is permanently incapable of self-support due to a physical or mental disability that began before age 26. Overage Dependent Incapable of Self-Support (IOSS) FormPDF document
In order for your domestic partner and any dependents of your domestic partner to be eligible for coverage under SEC Select Dental and Vision, a declaration of domestic partnership form must be completed and filed with OHR. The form is available on the askHR Portal(opens in new window), simply search under "Domestic Partnership." Complete and submit the form to askHR.
No, dual enrollment is not allowed.
We receive a census file from the U.S. Securities and Exchange Commission (SEC) that contains profile information to help us identify you. Since this information is managed by the SEC, it must be updated through Employee Express at Welcome to Employee Express - Employee Express (opens in new window). Please allow up to one pay period of time for the information to transfer to SEC Select.
To discuss your COBRA coverage, call our customer service representatives at 1-844-828-3005.
We receive regular, but not daily, eligibility files from the U.S. Securities and Exchange Commission (SEC). Due to the frequency, new employees should allow two weeks for their information to transmit into the system. If you are having trouble activating your account, call our customer service representatives at 1-844-828-3005.
No. ID cards are not required for service. However, employees can download printable Dental and Vision ID cards by registering for "MyBenefits," which is accessible through SEC.gov/SECSelect .
An In-Network provider should be able to establish the employee's eligibility by obtaining your full name and workplace. If you use an Out-of-Network provider, you may be required to provide your full name, your social security number (or the last 4 digits), and your date of birth. You can also use the numeric 10-digit ECI for your vision alternate ID and only the last five numbers of the ECI for your dental alternate ID. See Alt ID question below for details.

To verify eligibility, the dentist should call 1-877-638-3379 (MET-DDS9) or go to the provider website metdental.com. See the Dental and Vision FAQ sections for additional information.
Yes. For your SEC Select dental and vision benefits only, an alternate ID to your Social Security Number (SSN) is available for your use. The SEC generates a unique Employee Common Identifier (ECI) number. You can find your "Employee Common ID" (ECI)under your profile information in AskHR. Use the numeric 10 digit ECI for your vision alternate ID. For your dental alternate ID, use only the last five numbers of the ECI. You have the option to use either your ECI or SSN for identification/eligibility purposes with your dental and vision providers or when calling the SEC Select call center.

Enrollment

All employees can enroll or elect changes in enrollment during the annual Open Season. Open Season typically starts the 2nd Monday in November and ends the 2nd Monday in December of each year. The 2026 Open Season starts Monday, November 9th and ends Monday, December 14th.

Newly hired employees will automatically be enrolled into the Core dental and vision for themselves only. Within 60 days of the employment start date, newly hired employees must enroll their eligible dependents into SEC Select and can also opt to enroll in Dental Buy-Up, Vision Buy-Up, STD/LTD (employees only), Optional Life with AD&D, MetLife Legal, Accident, Critical Illness, Hospital Indemnity and Aura IFP. Auto and Home and Pet Insurance are "evergreen" and so employees may request a quote and apply at any time during the year.

Employees that experience a "qualifying life event," can change or update their benefits coverage within 60 days of the event (excluding Auto and Home and Pet Insurance).

Please note that both newly hired employees and employees that experience a qualifying life event will have a single opportunity to elect each product coverage (e.g., dental, vision, STD, LTD, Optional Life, MetLife Legal, Accident, Critical Illness, Hospital Indemnity and Aura IFP) for themselves and their eligible dependents within their 60 day window. However, employees can make the product elections on different days within the 60-day window.
Visit SEC.gov/SECSelect to enroll online 24/7. If you need assistance, please call 1-844-828-3005, weekdays from 8 a.m. to 7 p.m. (eastern time). A benefits representative will be glad to assist you on a personal, confidential basis. Remember to keep your SEC Select username and password for future enrollment and changes.
You can call the SEC Select customer support at 1-844-828-3005.

Dental

Two Dental plans are available:
  • Core Plan (SEC paid)
  • Buy-Up Plan (Employee paid through bi-weekly payroll deduction)
No. The employee and dependents must be enrolled in the same dental plan option. MetLife's dental plan rules do not allow for different plan elections between the employee and family members. When an employee elects the "buy-up" plan for "self only," their dependents will not be covered under the core plan during the plan year.
An in-network dentist is a general dentist or specialist who participates in MetLife's PDP Plus Network and has agreed to accept a negotiated fee for covered services rendered to eligible plan members. Negotiated fees refer to the fees that in-network dentists have agreed to accept as payment in full for covered services, subject to any co-payments, deductibles, cost sharing and benefits maximums. Negotiated fees are subject to change. Negotiated fees do not apply to non-covered services in states that prohibit limitations for services not covered under a plan. Participating providers in these states may charge their non-negotiated fees for non-covered services. There are over 450,000in-network dentist locations nationwide, including over 47,000 specialists.
From the SEC.gov/SECSelect site there are two places to find participating dentists. (1)under "MYDASHBOARD" tab there will be a link to Find a Dental provider. — or (2) under the "MYBENEFITS" tab, under the dental icon there is a link to find a provider. Select "PDP Plus" as the network type; then enter your zip code and dental specialty to view a list of dental providers in your area.

* Note: Group dental insurance plans featuring the Preferred Dentist Program are provided by Metropolitan Life Insurance Company, New York, NY.
Yes. You are always free to select the dentist of your choice. We encourage you to consider using a MetLife In-Network dentist to help maximize the value of your plan. If you choose a dentist who does not participate in MetLife's PDP Plus Network, your out-of-pocket expenses may be higher.
Yes. You can request a pre-treatment estimate for services totaling more than $300. Where two or more professionally acceptable dental treatments for a dental condition exist, reimbursement is based on the least costly treatment alternative. If you and your dentist have agreed on a treatment that is more costly than the treatment upon which the plan benefit is based, you will be responsible for any additional payment responsibility. To avoid any misunderstandings, we suggest you discuss treatment options with your dentist before services are rendered and obtain a pretreatment estimate of benefits prior to receiving certain high cost services such as crowns, bridges or dentures. You and your dentist will each receive an Explanation of Benefits (EOB) outlining the services provided, your plan's reimbursement for those services, and your out-of-pocket expense. Your dentist must submit a request online at metdental.com or call 1-877-MET-DDS9. You and the dentist will receive an estimate for most procedures while you are still in the office. Actual payments may vary from the pretreatment estimate depending upon annual maximums, plan frequency limits, deductibles and other limits applicable at time of payment.
Yes. Both the Core and the Buy-Up Dental plan options provide child and adult orthodontia coverage. The Core Plan covers orthodontia at 60% with a $4,000 lifetime maximum. The Buy-Up Plan covers orthodontia at 60% with a $6,000 lifetime maximum for each qualified dependent child and $4,000 lifetime maximum for each eligible adult.
No. There is no waiting period to receive services.
Yes. If you have other insurance that provides dental coverage, your SEC Select Dental plan will coordinate benefits when the claim form is marked to indicate that you have other insurance. Additionally, in order for MetLife to coordinate benefits, you must submit the other insurance Explanation of Benefits (EOB) or voucher with your claim form.
Dental ID cards are not automatically distributed to enrollees, since you do not need to present an ID card to prove coverage or confirm that you are eligible for dental coverage. However, you have the option to download and print a dental ID card from your MyBenefits site. If you have not done so already, visit SEC.gov/SECSelect follow the instruction guide to print ID cards under the "MYBENEFITS" tab.

If your provider is having trouble validating your dental eligibility the dentist can call 1-877-638-3379 (MET-DDS9) and provide your ECI or your full name to get the plan group number. Your social security number is not required to establish eligibility.

If your provider needs to speak with a representative to confirm eligibility:
  • Call 1-877-638-3379 (MET-DDS9)
  • Press 2 for "All Other Inquiries"
  • Enter all 9's followed by # (999-99-9999#) as the SSN in order to speak with a representative about eligibility
In-Network Providers can file claims directly on your behalf and are paid directly by MetLife. Out-of-Network Providers may require you to submit the claim and the benefit may be paid to you or directly to your dentist. To have your dentist paid directly, sign the assignment section of the claim form. MetLife will pay benefits when it receives satisfactory written proof of your claim. Completed claim forms can be faxed to 1-859-825-6726, submitted electronically by your dentist, or you can mail the claim form to:
MetLife Dental Claims
PO Box 14588
Lexington, KY 40512
To check the status of your claim, call 1-844-828-3005. Connect through SEC.gov/SECSelect to access MyBenefits to review your claim online.

Please note that while claims submitted electronically require the SSN or ECI field to be completed, MetLife does not require SSN in order to submit a paper claim. Your ECI can be entered on the paper form in the SSN field. You or your provider can submit a paper claim by fax to 1-859-825-6726 or by mail to:
MetLife Dental Claims
PO Box 14588
Lexington, KY 40512
Claim forms are available on SEC.gov/SECSelect , under the "Documents & Tools" tab.
Your insurance coverage will end if you are no longer an eligible employee of the SEC; however, you will be able to apply for COBRA coverage.

Vision

Two Vision plans are available:
  • Core Plan (SEC Paid)
  • Buy-Up Plan (Employee paid through biweekly payroll deduction)
Information on each plan can be found at the SEC Select website at SEC.gov/SECSelect .
After logging into SEC.gov/SECSelect go to the "MY DASHBOARD" tab and click the link "Find a Vision Provider." Select "MetLife Vision PPO" as the plan type and enter your zip code and the specialty to view a list of in-network vision providers in your area.
Yes. You can go to any licensed eye care professional, not just those in the MetLife vision network. The benefits MetLife provides differ when going to an Out-of-Network provider. Please refer to the vision plan summary in the Vision section of the SEC.gov/SECSelect site for more information on out-of-network coverage.
You have the flexibility to choose from our large network of 45,000 participating ophthalmologists, optometrists, and opticians at private practices and popular retail locations. When you visit any of the licensed vision specialists in our network and receive coverage, your benefit dollars may go further when you stay In-Network. These benefits include:
  • An average 20-25% savings on all other lens enhancements
    Note: Your actual savings from enrolling in a vision plan will depend on various factors, including the plan chosen, plan premiums, number of visits to an eye care professional by your family per year, and the cost of services and materials received. Be sure to review the Schedule of Benefits for your plan's specific benefits and other important details.
  • 20% savings on additional pairs of prescription glasses and non-prescription sunglasses
  • Laser vision correction discounts
    Note: Custom LASIK coverage only available using wavefront technology with the microkeratome surgical device. Other LASIK procedures may be performed at an additional cost to the member. Additional savings on laser vision care is only available at participating locations.
No. You and your dependents must be enrolled in the same vision plan option. MetLife's vision plan rules do not allow for different plan elections between the employee and family members. When an employee elects "buy-up" coverage for "self only," their dependents will not be covered under the core plan during the plan year.
No. You do not need to present an ID card to prove coverage or confirm that you are eligible for Vision coverage. However, you have the option to download and print a Vision ID card from your MyBenefits site. If you have not done so already, visit SEC.gov/SECSelect , go to the "MYBENEFITS" tab and follow the instruction guide to print ID cards.

In lieu of presenting an ID card, the provider will need your full name and date of birth. If you have a common name, the last 4 digits of your social security number or your 10 digit ECI may need to be provided. Your full social security number is not required to establish eligibility.
When using an In-Network Provider, you do not need to complete a claim form. You will inform the provider that you have the MetLife Vision plan. You will be responsible for costs that exceed the covered allowance, including your co-pays.

When using an Out-of-Network Provider, you must pay the provider in full for the service and eyewear received at the time of your appointment (including taxes). You will be reimbursed for your eligible services according to the scheduled allowance. To file a claim, submit a completed MetLife Vision claim form and all itemized receipts to:
MetLife Vision
PO Box 495918
Cincinnati, OH 45249-5918
To check the status of your claim, you can view your claim information on-line at MyBenefits or contact our vision claim service at 1-844-828-3005. You can access MyBenefits from SEC.gov/SECSelect .

Vision claims are processed using the last four digits of the subscriber's SSN or your 10 digit ECI. MetLife does not require your full SSN.
Claim forms are available on SEC.gov/SECSelect , under the "Documents & Tools" tab.
Your insurance coverage will end if you are no longer an eligible employee of the SEC; however, you will be able to apply for COBRA coverage.

Dependents Aged 26

Federal guidelines mandate that medical coverage will continue until the adult dependent children reach the age of 26. Adult dependent children include legally adopted children, children under legal guardianship, and stepchildren.

Note: SEC Select allows coverage for Dental and Vision until the end of the year that the adult dependent child turns age 26.
Your dependent children (including legally adopted children, children under legal guardianship, and stepchildren) are eligible for coverage from 15 days old up to age 26. Age limits do not apply to a child who is disabled by a mental or physical handicap to the extent the child is economically dependent on the eligible employee.
Yes. The adult stepchild dependent can be enrolled into SEC Select as a result of the employee's recent marriage, which is considered a qualifying life event (QLE). You may enroll the adult stepchild dependent into your Dental and/or Vision plan, provided you complete the enrollment within 60 days of the QLE. In addition, you can enroll the adult stepchild into SEC Select during the Annual Open Enrollment period.
Yes. Your adult dependent child is eligible to be covered under SEC Select for Dental and Vision. If not currently enrolled, you may enroll them into SEC Select during the Annual Open Enrollment Period.
Yes. This is a QLE and you may enroll your adult dependent child into SEC Select, provided you enroll him or her in the benefit plan within 60 days of them losing their coverage at their job.
No. Your adult dependent does not have to live with you, be included on your tax return, or be a student in order to be eligible to receive Dental and/or Vision coverage under SEC Select, so long as he or she is under the age of 26 at the time of enrollment.

Note: SEC Select allows coverage for Dental and Vision until the end of the year that the adult dependent child turns age 26.
Yes. Your adult dependent child is eligible for dental and vison coverage under SEC Select. If they currently are not enrolled in SEC Select, you can enroll him or her into the program during the Annual Open Enrollment period.

SEC Select and FEDVIP

The FEDVIP program offers employees a wide range of dental and vision plans where the employee is responsible for paying 100% of the premiums. The SEC Select plans offer robust benefits and the SEC pays the entire premium cost of the Core plan and an equivalent amount towards the Buy-up plan providing a significant savings to each employee. Since there are many FEDVIP plans and coverages differ, employees can visit benefeds.com for detailed information on the FEDVIP plans.
Yes. Coverage under FEDVIP is offered to all Federal employees. The SEC Select plans are separate from the FEDVIP plan offerings and you may elect to enroll in and receive additional coverage under FEDVIP.

Check the coordination of benefits rules for each plan to understand your benefits. For details about coordination of benefits, see the "Claims Filing Process" guide document available at the bottom of MyBenefits.
Yes, but only in certain circumstances. During the annual open season, you may enroll in a plan, change, or cancel your FEDVIP dental and/or vision coverage. Also, a qualifying life event (QLE) allows you to change your enrollment outside of an open season. Please refer to the OPM.gov website to review each QLE and the corresponding allowable FEDVIP enrollment action that may apply to you.

Short Term Disability (STD)

Short-Term Disability (STD) is voluntary coverage. If you elect this coverage, you will pay the entire premium via bi-weekly payroll deduction.
Having STD coverage will provide you with income protection should you become unable to work and earn an income due to a disability. This plan can help protect you and your family from the impact of your lost income by replacing a portion of it during the initial weeks of a disability by paying you a weekly benefit.
You will receive disability benefits for the medically necessary period but not to exceed the maximum duration of 12 weeks should you suffer a qualifying disability due to accidental injury, illness, or pregnancy.
Yes. If you become disabled during the first twelve (12) months of your insurance effective date, your plan does not cover your disability if it results from a sickness or accidental injury for which you sought treatment or took medication (or for which a reasonable person would have sought treatment) during the three (3) months prior to your participation in the plan. A description of the pre-existing condition limitation is available in the STD certificate at SEC.gov/SECSelect .
Benefits begin after the end of the elimination period or the 8th day of your qualifying disability. The elimination period begins on the day you become disabled and is the length of time you must wait while being disabled before you are eligible to receive a benefit. The elimination periods are as follows:
  • For Accidental Injury: 7 calendar days
  • For Sickness (includes pregnancy): 7 calendar days
No. Please be advised that after the 7-day elimination period, you must use SEC leave without pay (LWOP) in order to receive disability benefits. You may not receive SEC paid leave and disability benefits for the same hours.
Premium rates may change annually and if so, will be effective January 1st of each plan year. Premiums are based on your salary and age band as of the lock-in date for the plan year.
No. Your insurance coverage will end if you are no longer an eligible employee of the SEC.
No. Since the premiums paid for SEC Select's STD coverage are paid with after-tax dollars, the benefits received are not taxable.
The plan certificate and applicable Riders are located on the SEC.gov/SECSelect site, under the "Documents & Tools" tab.
No. Once you are enrolled in these benefits you must stay enrolled for the entire plan year. Coverage for STD can be terminated during the annual open enrollment period or due to a Qualifying Life Event.
To initiate a claim under the Disability Program you must promptly notify your supervisor and then report your claim via telephone to MetLife Disability at 1-844-828-3005. You should report your disability to MetLife Disability within 20 days of the date of disability.
You will not be responsible for the STD premium payments, but you will be responsible for the employee-paid premium amounts for any other SEC Select coverages for which you are enrolled immediately prior to the start of your disability. Depending on the timing of your disability benefit start date, the premium amounts that are due for your other SEC Select coverages will either be deducted from your bi-weekly payroll or a bill will be mailed directly to you.

Special Considerations: If you work in a state with state-mandated disability or paid medical leave benefits ("State Benefits")*, you should carefully consider whether to enroll for this coverage. If you are eligible for State Benefits, you must apply if required by state law. If permitted, your STD benefit will be reduced by State Benefits or other government benefits that apply. Depending on your compensation, the amount of the State Benefit, and other factors, you may only receive the minimum weekly benefit. You should consider, based on your individual circumstances, whether you need additional coverage beyond the State Benefit.

*These jurisdictions include, but may not be limited to, California, Colorado, Connecticut, Delaware, District of Columbia, Hawaii, Maine, Massachusetts, Minnesota, New Jersey, New York, Oregon, Puerto Rico, Rhode Island, Washington (and Maryland as of 1/3/28, Virginia as of 12/1/28).

Long Term Disability (LTD)

Long-Term Disability (LTD) is a voluntary coverage. If you elect this coverage, you will pay the premium via bi-weekly payroll deduction.
There are two options offered under SEC Select for LTD.
  • Option 1 — Lesser of 2 years, or to age 70
  • Option 2 — Income replacement to age 69 and over. Your maximum benefit period depends upon your age on the date of your disability.
The main difference in the plans is the potential duration of the benefit. Option 1 will only pay a maximum benefit for up to two years. The benefit duration under Option 2 is dependent on your age on date of disability. This significant difference in benefit duration results in a difference in rates. The rates for each plan are based on your current age and pre-disability earnings.
Benefits begin after the end of the 90-day elimination period, or on the 91st day of your qualifying disability. The elimination period begins on the day you become disabled and is the length of time you must wait while being disabled before you are eligible to receive a benefit.
No. Please be advised that after the 90-day elimination period, you must use SEC leave without pay (LWOP) in order to receive disability benefits. If already on an STD claim, your LTD benefits will begin automatically at the end of the LTD elimination period. You may not receive SEC paid leave and disability benefits for the same hours.
Yes. As long as you are disabled and meet the terms of your Disability plan, you may qualify for adjusted Disability benefits.

Your plan offers financial and Rehabilitation incentives designed to help you return to work when appropriate, even on a part-time basis when you participate in an approved Rehabilitation program.
  • You can get a 10% increase in your weekly benefit with the Rehabilitation Incentive.
  • If you work or participate in a rehabilitation program while you are disabled, the Family Care Incentive provides reimbursement up to $400 for monthly expenses such as childcare and care for a family member.
  • You may be eligible for the Moving Expense Incentive if you incur expenses to move to a new residence when recommended as part of the Rehabilitation Program.
All expenses must be approved in advance by MetLife.
No. Once you are enrolled in these benefits you must stay enrolled in it for the entire plan year. Coverage for LTD can be terminated during the annual open enrollment period or due to a Qualifying Life Event.
No. Since the premiums for SEC Select's LTD coverage are paid with after-tax dollars, the benefits received are not taxable.
Yes. If you become disabled during the first twelve (12) months of your insurance effective date, your plan does not cover your disability if it results from a sickness or accidental injury for which you sought treatment or took medication (or for which a reasonable person would have sought treatment) during the six (6) months prior to your participation in the plan. A complete description of the pre-existing condition limitation is available on SEC.gov/SECSelect .
The plan certificate and applicable Riders are located on SEC.gov/SECSelect under the "Documents & Tools" tab.
Premium rates may change annually and if so, would be effective January 1st of each plan year. Premiums are based on salary and age band as of the lock-in date for the plan year.
No. Your insurance coverage will end if you are no longer an employee of the SEC.
No. The SEC Select's LTD plan does not reduce the claim benefits paid by the individual disability policy.
The SEC LTD plans are Insurance products that can replace a portion of your income should you become unable to work and earn a paycheck for an extended period due to an illness or injury.

FERS Disability Retirement is not an insurance product. It is a type of retirement action that results in separation from the agency and receipt of an annuity payment. To be eligible for FERS Disability Retirement, an employee must have at least 18 months of Federal civilian service, have a disability expected to last longer than a year, and must apply for social security benefits. More information on the eligibility requirements for FERS Disability Retirement, as well as the related retirement benefit calculation, is available on the OPM website.
Your MetLife Disability Case Manager will contact you if they anticipate your disability claim will run beyond the 12 week STD period into LTD. MetLife Disability will provide a LTD packet to you that will include a claim form and it will describe all the documentation that is needed to file your claim. The Case Manager will discuss what documentation is required from your treating physician and will review the entire LTD process with you. Your questions about initiating a claim should be directed to MetLife Disability.

To initiate an LTD claim, without having a prior STD claim, you must promptly notify your supervisor and then report your claim to MetLife Disability by phone from 1-844-828-3005, via fax to 1-800-230-9531, or you can mail your disability claim form-employee statement to:
Metropolitan Life Insurance Company
PO Box 14590
Lexington, KY 40512-4590
Claim forms are available on SEC.gov/SECSelect , under the "Documents & Tools" tab.
You will not be responsible for the STD or LTD premium payments, but you will be responsible for the employee-paid premium amounts for the other SEC Select coverages for which you were enrolled immediately prior to the start of your disability. Depending on the timing of your disability benefit start date, the premium amounts that are due for your other SEC Select coverages will either be deducted from your bi-weekly payroll or you will receive a bill that will be mailed directly to you.

Long Term Disability ("LTD") and Short Term Disability ("STD") coverages are provided under a group insurance policy issued to your employer by MetLife. This LTD and STD coverage terminates when your employment ceases, when you cease to be an eligible employee, when your LTD and STD contributions cease (if applicable), or upon termination of the group contract by your employer. Like most group disability insurance policies, MetLife policies contain certain exclusions, exceptions, waiting periods, reductions, limitations and terms for keeping them in force. Ask your MetLife group representative for complete costs and details.

MetLife Group Disability Income Insurance is issued by Metropolitan Life Insurance Company, 200 Park Avenue, New York, NY 10166, under Policy Form GPNP23-2T DI.

Optional Life with Accidental Death and Dismemberment (AD&D)

Life insurance protects your family and finances in the event something unforeseen happens to you. AD&D can provide additional financial security should a sudden accident take your life or cause you a serious loss or harm. AD&D coverage complements your life insurance coverage and helps protect you 24 hours a day, 365 days a year. Please see your Certificate of Insurance and applicable Riders available at SEC.gov/SECSelect , under the "Documents and Tools" tab for more details.
Yes, coverage from SEC Select does not impact your existing FEGLI coverage. Additional life insurance through SEC Select can give your family greater financial security. The MetLife product offers a higher maximum benefit for both you and any covered dependents.
Keep in mind that insurance needs change as your life changes — for example, getting married, starting a family, or purchasing a home. MetLife offers a simple tool to determine the amount of coverage you may need now. To determine your life insurance needs use the following life Insurance calculator: MetLife LifeNeeds
MetLife has designed the SEC Select group life insurance plans to be an economical way for you to provide for your family. Employee and Spouse/Domestic Partner coverage cost is based on the amount of coverage selected and age band. Your ongoing coverage cost (the premium rate) may increase with each age band. The bi-weekly cost for dependent child(ren) is per eligible child(ren). All coverage is paid through convenient payroll deduction. Cost may be found by logging into your account on SEC.gov/SECSelect and view the Life with AD&D Plan Summary.
Premiums are paid through payroll deduction.
Tax-free proceeds are paid in a lump-sum to the beneficiary(ies) you choose.
Yes, will preparation and estate resolution services are provided with the Optional life with AD&D coverage; similar services are provided under the MetLife Legal benefit.
AD&D insurance does not include payment for certain losses as described in more detail in your certificate. Specific information pertaining to your insurance can be obtained by contacting your benefits administrator.
After you separate from the SEC you may convert your Group Optional Life and Dependent Life benefit to an individual policy, but not your AD&D benefit. If you would like to convert your group policy to an individual life policy, MetLife offers a dual application process for conversion. This means:
  1. For employees who are able to submit and pass a statement of health, the individual policy can be either a whole or term life product, and will be priced based on the employee's specific demographics and health attributes; and
  2. For employees unwilling or unable to submit or pass a statement of health, a whole life insurance policy can be issued for up to the full amount of coverage the employee had with their SEC policy
The conversion application period is time sensitive. The application period is based on the date the employee's group coverage terminates and the date of the conversion notice.
Newly hired employees who enroll within 60 days of starting at the SEC are eligible for a guaranteed coverage of up to the lesser of three times your annual salary up to $500,000 without completing a statement of health (SOH). Any amount in excess of the guaranteed coverage will require a SOH. For Spouse/Domestic Partner coverage, newly hired employees who enroll within 60 days of starting at the SEC are eligible for guaranteed coverage of up to $20,000.

Employees that were eligible but did not enroll when first eligible are considered a late entrant. For Employee Optional Life, any amount you elect is subject to SOH. In addition, any amount of Spouse/Domestic Partner coverage requires a SOH. Please note that the Dependent Child coverage never requires a SOH.
Newly Hired employees who enroll within 60 days of starting at the SEC:
The need for a SOH depends on the amount of coverage you want. For Employee Optional Life, any amount you elect over three times your salary or $500,000 will require a SOH to be completed. For Spouse/Domestic Partner coverage, any amount over $20,000 up to $100,000 will require a SOH to be completed. Coverage for Dependent Children does not require a SOH.

Existing employees who enroll or adjust coverage during the 2026 Open Season:
Exclusively for 2026, you can enroll or increase coverage by 1 times your annual salary for Employee Optional Life without a SOH. Any additional amount you elect during Open Season is subject to a SOH. You can also enroll or increase Spouse/Domestic Partner coverage by $10,000 without a SOH. Any additional amount elected is subject to a SOH. A reduction in coverage does not require a SOH. Please note that the Dependent Child coverage never requires a SOH.

Employees who experience a Qualifying Life Event (QLE) and either enroll in or increase amount of coverage:
If you experience a qualifying life event during the year you may increase your existing coverage by 1 times your annual salary without a SOH. If you are a new enrollee in Optional Life, this means you may elect 1 times your annual salary without a statement of health. You have 60 days after the event to make changes to your benefits.

* Note: All applications for coverage are subject to review and approval by MetLife. If you choose to apply for increased coverage, the increase may be subject to underwriting. MetLife will review your information and evaluate your request for coverage based upon your answers to the health questions, MetLife's underwriting rules and other information you authorize us to review. In certain cases, MetLife may request additional information to evaluate your request for coverage. Coverage will be effective in accordance with the applicable policy and certificate after approval by MetLife. Only applicants who reside in a US state, the District of Columbia, or Guam, Northern Mariana Islands, Puerto Rico or US Virgin Islands are allowed to complete their SOH form online (where available). Otherwise, applicants will be provided with a paper SOH form. Individuals residing outside of the US or in certain US territories must be on US payroll and be approved by MetLife before being provided with an SOH form.

Nothing in these materials is intended to be advice for any particular situation or individual. Please consult with your own advisors for such advice. Like most group insurance policies, insurance policies offered by MetLife contain certain exclusions, exceptions, waiting periods, reductions, limitations and terms for keeping them in force. Please contact your benefits administrator or MetLife for costs and complete details.

MetLife Group Term Life insurance and AD&D is issued by Metropolitan Life Insurance Company, 200 Park Avenue, New York, NY 10166 under Policy Form GPN99/G2130-S.

MetLife Legal

Two Legal plans are available:
  • MetLife Legal
  • MetLife Legal Plus Parents
Both Plans cover employee, spouse/domestic partner, and dependents up to age 26. The plus parents plan also includes your parents and parents-in-law for a sub-set of services. Examples of those services may include: wills, mortgages, consultation and document review for your parents (Medicare, Medicaid & nursing home agreements).*

* Note: Legal plans are administered by MetLife Legal Plans, Inc., Cleveland, Ohio. In California, this entity operates under the name MetLife Legal Insurance Services. In certain states, legal plans are provided through insurance coverage underwritten by Metropolitan General Insurance Company, Warwick, RI. Some services not available in all states. No service, including consultations, will be provided for: 1) employment-related matters, including company or statutory benefits; 2) involving any sponsoring or offering company, MetLife, or its affiliates and plan attorneys as an adverse party; 3) matters in which there is a conflict of interest between the policyholder and spouse or dependents in which case services are excluded for the spouse and dependents; 4) appeals and class actions; 5) farm and business matters, including rental issues when the participant is the landlord; 6) patent, trademark and copyright matters; 7) costs and fines; 8) frivolous or unethical matters; 9) matters for which an attorney client relationship exists prior to the participant becoming eligible for plan benefits. For individuals covered under a New York insurance policy defense of criminal matters is excluded and parents must be related by blood, marriage, adoption, dependency, or operation of law and reside in the same household as the insured to utilize the Plus Parents benefit. For all other personal legal matters, an advice and consultation benefit is provided. Additional representation is also included for certain matters. Please see your plan description for details.
MetLife legal provides you with easy access to legal services at a reasonable group rate. MetLife Legal attorneys have an average of 25 years of experience and can assist you in legal matters, including:
  • Estate Planning Documents, including Wills and Trusts
  • Real Estate Matters
  • Identity Theft Defense
  • Financial Matters, such as Debt Collection Defense
  • Traffic Offenses
  • Document Review
  • Family Law, including Adoption and Name Change
  • Advice and Consultation on Personal Legal Matters
For more specific information, please refer to the Summary Plan Description (SPD) posted on SEC.gov/SECSelect under the "Documents & Tools" tab.
Call 844-828-3005 to talk to a representative and obtain a case number. The representative can help you find an in-network attorney, or you can also visit members.legalplans.com to find an in network attorney.

Once you have your case number, you may contact the attorneys office directly for an appointment.
MetLife Legal will provide you access to a nationwide network of over 18,000 attorneys. Under the plan you will get the attorney you need at a group rate cost. The Legal premium you pay covers the cost for unlimited use of the plan. No matter how many times you use a Plan Attorney over the course of the year for covered legal matters, all you pay is your premium — there are no additional co-payments or deductibles. You can also choose a non-plan attorney and may be reimbursed through the MetLife Legal plan. However, you will be responsible to pay the difference, if any, between the Plan's payment and the non-Plan Attorney's charge for services. When you use a Plan Attorney, you will have access by telephone or in-person for advice on personal legal matters.
Yes. Your spouse and dependent children also have access to the plan benefits when you enroll in either plan. Your Parents and Parents-in-law are only covered under the Plus Parents plan.
Yes, you may use the plan to resolve as many legal issues as possible, even if they are pre-existing matters. The only pre-existing matters that are not covered are those for which you retained an attorney before becoming eligible for plan benefits. This is necessary to protect the existing attorney-client relationship.
Yes, your coverage is portable. If you wish to continue your legal plan benefit after terminating employment at the SEC, you must enroll for portable enrollment within 30 days of your last day of employment. Enrollment is prepaid via remittance of a lump sum payment equal to your legal plan's monthly rate times 12 months. Portable enrollment will remain effective for a 12-month period and refunds will not be issued.
MetLife Legal will complete matters in process that you initiate while employed and enrolled in the plan.
Once you register/access your account on members.legalplans.com you can find in-network attorneys. You may also go through SEC.gov/SECSelect click on the "Documents & Tools" tab, click on the MetLife legal icon, then View Tools. From there, click the link for the Legal Plan Services.

Auto and Home

Auto, home, and other personal lines insurance products purchased through the program are administered by companies operating under the Farmers GroupSelect brand. The actual Farmers® affiliate carrier within Farmers Group of Insurance Companies® varies depending on the type of product purchased and the state in which the insured property is located or primarily garaged or docked. This group program, the Farmers GroupSelect program, is not available in California; however, Farmers offers similar Farmers branded products through its affiliates, but without payroll/pension deduction, without employment tenure and group deviations, and without certain other features only available to people eligible for the group program.

Note:Home insurance is not part of Farmers GroupSelect benefit offering in FL. Homes in MA may be subject to underwriting review based on proximity to coast.
Note:In California, the group program is not available, but people are invited to apply for Farmers insurance outside of the Farmers GroupSelect offering.
Employees can call the SEC Select Service Center at 1-844-828-3005.

California residents can call 1-833-956-3221.

In all cases, to manage policy information, please access Farmers.com. Farmer's representatives will provide friendly, professional, and personalized service.
The Farmers GroupSelect insurance program is an insurance program made available to eligible employees of participating groups; the program's coverage, rates, discounts, and policy features vary by state and are available in most states to those who qualify. As part of the program, eligible employees have access to features and benefits, including group discounts on auto and home insurance, as well as a variety of other insurance policies, that can be designed to fit one's lifestyle and budget.
Farmers' other products available to employees in California, outside of the group program, are also sold at competitive prices and with attractive features.
Note: Home insurance has limited availability in MA and is not part of the Farmers GroupSelect program in FL and CA.
In addition to auto and home insurance, Farmers GroupSelect offers a variety of other insurance polices, including:
  • Personal Excess Liability***
  • Boat
  • Condo
  • Recreational Vehicle
  • Renter's
  • Personal Property
  • And more
***Note: Although the Farmers GroupSelect program is not available in CA, interested prospects may apply for umbrella products and more from an affiliated Farmers company.
You may apply for auto and home insurance through this group program at any time and take advantage of Farmers GroupSelect discounts and benefits.
  • Group discounts
  • Automatic payment discount
  • Good driver rewards
  • Multi-policy discounts and multi-car savings discounts
  • 24/7 customer service
Although the Farmers GroupSelect program is not available in CA, interested prospects may apply for auto, home, renter's, umbrella, and more from an affiliated Farmers company. Policies are individually underwritten, and issuance is not guaranteed.
You may apply for auto and home insurance at any time. Coverage, rates, discounts, and policy features vary by state and are available in most states to those who qualify.
Farmers GroupSelect offers flexible payment options:
  • Earn a discount when you automate your payment through payroll deduction,
  • Select direct billing as your preferred payment option, or
  • Use a credit card/or debit card*
*Use of credit/debit card is optional. The same insurance is available regardless of the method of payment. Payments may be made by cash, check, or by credit/debit card, except in those cases where electronic payments are required
For additional information about the Farmers GroupSelect insurance program, including an insurance review and free quotes, call 1-844-828-3005. The SEC Select call center can connect you to Farmers GroupSelect, which offers extended hours for auto and home inquiries. Those extended hours are Mondays through Fridays from 8 a.m. to 11 p.m., Saturdays from 8 a.m. to 8 p.m., and Sundays 12 p.m. to 6:30 p.m. ET. After 8 p.m. on weeknights and over weekends, please listen to the prompts and select 1 to be connected with an auto and home representative. To make the most accurate comparisons, please have your current policy(ies) available when you call.

For information about coverage available in California from Farmers outside the Farmers GroupSelect group program, call 1-833-956-3221.The extended hours referenced above are not available for policies offered in California by Farmers.
To make changes to your auto and home policies, you may contact the carrier through the SEC Select service center at 1-844-828-3005, or, if in California, you can call 1-833-956-3221. If you alter your policies in a way that requires a change to the amount of your payroll deduction (not available in CA), you would not have to contact SEC's OHR. Farmers GroupSelect or Farmers would take care of the adjustment automatically and provide a notification to you stating your adjusted premium amount(s). Insurance claims can be reported 24 hours a day, 7 days a week, to the claim service center at 1-800-854-6011, or in California, to 1-800-435-7764.
Yes. If you retired or otherwise terminated your employment with the SEC, you'd have the option to continue your policies without interruption, subject to applicable law, underwriting guidelines, and local availability, should you move out of state alongside your disassociation from SEC. Retirees would remain eligible for the group discounts, again, subject to applicable law, underwriting guidelines, and local availability, should they move out of state alongside retirement from the SEC. For premium payments, if you retired or left the SEC, payroll deduction would no longer be an option. Farmers GroupSelect and Farmers offer the ability to automatically withdraw your premium from your bank account each month by electronic funds transfer (EFT), as well as other convenient payment options.
Employees with Farmers GroupSelect or Farmers policies can log into Farmers.com to view and service their policyholder-specific information.

Advertisement produced on behalf of the following specific insurers seeking to obtain business for insurance underwritten by Farmers Property and Casualty Insurance Company, Economy Fire & Casualty Company, Economy Preferred Insurance Company, Farmers Casualty Insurance Company, Farmers Direct Property and Casualty Insurance Company, Farmers Group Property and Casualty Insurance Company, or Farmers Lloyds Insurance Company of Texas, all with administrative home offices in Warwick, RI. License information at farmers.com Coverage, rates, discounts, and policy features vary by state and product and are available in most states to those who qualify. 8423162.1 © 2026 Farmers Insurance

Advertisement produced on behalf of the following specific insurers seeking to obtain business for insurance underwritten by Farmers Insurance Exchange, Fire Insurance Exchange, Truck Insurance Exchange, Mid-Century Insurance Company, Farmers Insurance Company of Washington (Bellevue, WA), or affiliates. List of all insurers and states where licensed at farmers.com/companies/state/. Restrictions, exclusions, limits, and conditions apply. Contact Farmers for details.

Farmers GroupSelect, Farmers, and MetLife companies operate independently and are not responsible for each other's financial obligations.

Pet Insurance

Just like health insurance for you and your family, pet insurance is coverage for dogs and cats that can help you be prepared for unexpected vet costs.
All Breeds and all ages of dogs and cats are covered.
Coverage includes, but is not limited to: Accidental injuries, illnesses, exam fees, surgeries, medications, hospital stays, ultrasounds, x-rays and diagnostic test and much more. Call an agent to discuss and choose your desired plan with the benefit level, deductibles and reimbursement levels based on your needs and budget.
Note: Coverage issued by Metropolitan General Insurance Company, a Rhode Island insurance company headquartered at 700 Quaker Lane, Warwick, RI 02886. Availability is subject to regulatory approval. Coverage subject to restrictions, exclusions and limitations and application is subject to underwriting. See policy or contact MetLife Pet Insurance Solutions LLC ("MetLife Pet") for details. MetLife Pet is the policy administrator. It may operate under an alternate or fictitious name in certain jurisdictions, including MetLife Pet Insurance Services LLC (New York and Minnesota) and MetLife Pet Insurance Solutions Agency LLC (Illinois).
Yes. You can visit any licensed vet or emergency clinic in the U.S.
Once enrolled, you can take your pet to the vet and pay the bill, then send your claim to MetLife within 90 days of the visit.
On SEC.gov/SECSelect , under the "Documents & Tools" tab, scroll down to the Pet section click on the "file a claim" link. This will take you to MyBenefits. Once on MyBenefits click on the Pet card. From there you will find a claim form to file electronically, or send the form via e-mail, fax or mail, and MetLife will process your claim.
You can get a quote, request coverage options and apply for insurance at any time throughout the year by calling 844-828-3005.

Accident Insurance

Accident Insurance coverage provides you with a lump-sum payment for a covered accident. It also pays if you undergo testing, receive medical services, treatment or care for any one or more of the 150 covered events and there is no limit on the number of different accidents that will be covered.

Note: Covered services/treatments must be the result of an accident or sickness as defined in the certificate.

There are annual limitations on the number of eye injuries and lacerations that will be covered. Covered services/treatments must be the result of an accident or sickness as defined in the group policy/certificate. See your Disclosure Statement or Outline of Coverage/Disclosure Document for more details.

Payments are made directly to you to use as you see fit. They can be used to help pay for medical plan deductibles and co-pays, out of-network treatments, for your family's everyday living expenses, or whatever else you need while recuperating from an accident.
Yes. Your Accident coverage is guaranteed issue, which means your acceptance is guaranteed, regardless of your health.
Note: 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. Actively at Work or Active Work means that You are performing all of the usual and customary duties of Your job on a Full-Time or Part-Time basis. This must be done at: the Policyholder’s place of business; an alternate place approved by the Policyholder; or a place to which the Policyholder’s business requires You to travel. You will be deemed to be Actively at Work during weekends or Policyholder approved vacations, holidays or business closures if You were Actively at Work on the last scheduled work day preceding such time off.
No, your coverage will be in force on the effective date of your coverage. There are no waiting periods to satisfy. You must be actively at work on the effective date.
If you elect coverage during the Annual Enrollment period, coverage is effective January 1 of the following calendar year, as long as you are actively at work. For new employees your effective date is your date of hire as long as you enroll within 60 days of date of hire. If you experience a QLE and enroll within 60 days of your life event, your effective date is your date of the event.

Note: 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.
Your coverage continues to the end of the month in which you separate.
Yes. You can take your coverage with you. You will need to continue to pay your premiums to keep your coverage in force. Your coverage will only end if you stop paying your premium or if your employer cancels the group policy or offers you similar coverage with a different insurance carrier. MetLife will send you a letter and Election of Continuation Insurance form offering you the option to continue coverage. The election form must be received within 31 days from the date of your letter.

Note: 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.
From the www.SEC.gov/SECSelect site there is a link to MyBenefits. Sign into MyBenefits to start your claim or call the Service Center at 844-828-3005. Claim forms are located on both MyBenefits and www.SEC.gov/SECSelect .
Within the www.SEC.gov/SECSelect site, there is a link to the MetLife MyBenefits site. Sign into MyBenefits. Click on the applicable product, click on "Certificate detail" tab. Click on the "View My Most Recent Certificate or Schedule of Insurance" link to download and print your certificate.
If you enroll during the annual enrollment your Certificate will be available to print by the first business day of the new year. For new hires and those that had a QLE your Certificate should be available to print approximately two weeks following your enrollment.
No. Since premiums are paid with after-tax dollars, the benefits received are not taxable.
Yes, you will have 60 days from the date of your qualifying life event to make a change. Your coverage will be effective the date of your life event.

Critical Illness Insurance

This is coverage that can help cover the extra expenses associated with a serious illness. When a qualiying serious illness happens to you or a loved one, the coverage provides you with a lump sum payment of $15,000 or $30,000 in initial Benefits upon diagnosis. The Total Benefit Amount available to you is 5 times the initial Benefit Amount, which is $75,000 or $150,000, in the event that you suffer more than one Covered Condition. Payment(s) you receive are made regardless of any other insurance you may have and may be spent as you see fit.

Note: Covered services/treatments must be the result of an accident or sickness as defined in the certificate.
Yes. Your critical illness coverage is guaranteed issue, which means your acceptance is guaranteed, regardless of your health. You just need to be actively at work for your coverage to be effective. There are no medical exams to take and no health questions to answer.

Note: Coverage is guaranteed provided (1) the employee is actively at work and (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.
No. Your coverage will be in force on the effective date of your coverage. There are no waiting periods to satisfy. You must be actively at work on the effective date.
If you elect coverage during the Annual Enrollment period, coverage is effective January 1 of the following calendar year, as long as you are actively at work. For new employees your effective date is your date of hire as long as you enroll within 60 days of date of hire. If you experience a QLE and enroll within 60 days of your life event, your effective date is your date of the event.

Note: Coverage is guaranteed provided (1) the employee is actively at work and (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. Actively at Work or Active Work means that You are performing all of the usual and customary duties of Your job on a Full-Time or Part-Time basis. This must be done at: the Policyholder's place of business; an alternate place approved by the Policyholder; or a place to which the Policyholder's business requires You to travel. You will be deemed to be Actively at Work during weekends or Policyholder approved vacations, holidays or business closures if You were Actively at Work on the last scheduled work day preceding such time off.
Your coverage continues to the end of the month in which you separate.
Yes. You can take your coverage with you. You will need to continue to pay your premiums to keep your coverage in force. Your coverage will only end if you stop paying your premium or if your employer cancels the group policy or offers you similar coverage with a different insurance carrier. MetLife will send you a letter and Election of Continuation Insurance form offering you the option to continue coverage. The election form must be received within 31 days from the date of your letter.

Note: 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.
Within the SEC.gov/SECSelect site there is a link to MyBenefits. Sign into MyBenefits to start your claim or call the Service Center at 844-828-3005. Claim forms are located on both MyBenefits and SEC.gov/SECSelect .
  • For a Health Screening Benefit Claim Call 1-800-GET-MET8. (800-438-6388) and provide a few details, no paper form required.
Within the SEC.gov/SECSelect , there is a link to the MetLife MyBenefits site. Sign into MyBenefits. Click on the applicable product, click on "Certificate detail" tab. Click on the "View My Most Recent Certificate or Schedule of Insurance" link to download and print your certificate.
If you enroll during the annual enrollment, your Certificate will be available to print by the first business day of the new year. For new hires and those that had a QLE, your Certificate should be available to print approximately two weeks following your enrollment.
No. Since premiums are paid with after-tax dollars, the benefits received are not taxable.
Yes, you will have 60 days from the date of your qualifying life event to make a change. Your coverage will be effective the date of your life event.
No. There is no pre-existing condition limitation.
Yes, once enrolled for coverage you will need to elect a beneficiary(ies). This will allow MetLife the ability to provide benefits directly to the individual(s) you have elected. If a participant has multiple products, a beneficiary form will need to be completed for each product either online at mybenefits.metlife.com or by calling 1-866-626-3705 to request a beneficiary designation form to be mailed or emailed.

Hospital Indemnity Insurance

Hospital indemnity insurance provides you with payments when you are admitted and when you are confined1 to a hospital2, due to an accident or illness, as long as the policy and certificate requirements are met. Typically, a flat amount is paid for admission and a daily amount is paid for each day of the hospital stay. It also pays extra benefits for admission to or confinement in an Intensive Care Unit (ICU), and for other benefits and services.3

Payments are made directly to you to use as you see fit. They can be used to help pay for medical plan deductibles and copays, for out-of-network stays, for your family's everyday living expenses, or for whatever else you need while recuperating from an illness or accident.

Note: The Admission Benefit is not payable for Emergency Room treatment or outpatient treatment. The payment of the admission benefit requires a Confinement. Hospital Confinement requires the assignment to a bed as a resident inpatient in a Hospital (including an Intensive Care Unit of a Hospital) on the advice of a Physician or confinement in an observation area within a Hospital for a period of no less than 20 continuous hours on the advice of a Physician. Please consult your certificate for details.
Note: "Hospital" does not include certain facilities such as nursing homes, convalescent care or extended care facilities. Please consult your certificate for details.
Note: Covered services/treatments must be the result of an accident or sickness as defined in the certificate.
Yes. Your Hospital coverage is guaranteed issue, which means your acceptance is guaranteed, regardless of your health. You just need to be actively at work for your coverage to be effective. There are no medical exams to take and no health questions to answer.

Note: 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.

Actively at Work or Active Work means that You are performing all of the usual and customary duties of Your job on a Full-Time or Part-Time basis. This must be done at: the Policyholder’s place of business; an alternate place approved by the Policyholder; or a place to which the Policyholder’s business requires You to travel. You will be deemed to be Actively at Work during weekends or Policyholder approved vacations, holidays, or business closures if You were Actively at Work on the last scheduled workday preceding such time off.
No. Your coverage will be in force on the effective date of your coverage. There are no waiting periods to satisfy. You must be actively at work on the effective date.
No. There are no pre-existing condition limitations.
If you elect coverage during the Annual Enrollment period, coverage is effective January 1 of the following calendar year, as long as you are actively at work. For new employees your effective date is your date of hire as long as you enroll within 60 days of date of hire. If you experience a QLE and enroll within 60 days of your life event your effective date is your date of the event.

Note: 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.

Actively at Work or Active Work means that You are performing all of the usual and customary duties of Your job on a Full-Time or Part-Time basis. This must be done at: the Policyholder's place of business; an alternate place approved by the Policyholder; or a place to which the Policyholder's business requires You to travel. You will be deemed to be Actively at Work during weekends or Policyholder approved vacations, holidays, or business closures if You were Actively at Work on the last scheduled workday preceding such time off.
Your coverage continues to the end of the month in which you separate.
Yes. You can take your coverage with you.You will need to continue to pay your premiums to keep your coverage in force. Your coverage will only end if you stop paying your premium or if your employer cancels the group policy or offers you similar coverage with a different insurance carrier. MetLife will send you a letter and Election of Continuation Insurance form offering you the option to continue coverage. The election form must be received within 31 days from the date of your letter.

Note: 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.
From the SEC.gov/SECSelect site there is a link to MyBenefits. Sign into MyBenefits to start your claim or call the Service Center at 844-828-3005. Claim forms are located on both MyBenefits and SEC.gov/SECSelect .
  • For a Health Screening Benefit Claim Call 1-800-GET-MET8. (800-438-6388) and provide a few details, no paper form required.
Within the SEC.gov/SECSelect site, , there is a link to the MetLife MyBenefits site. Sign into MyBenefits. Click on the applicable product, click on "Certificate detail" tab. Click on the "View My Most Recent Certificate or Schedule of Insurance" link to download and print your certificate.
If you enrolled during the annual enrollment your Certificate will be available to print by the first business day of the new year. For new hires and those that had a QLE, your Certificate should be available to print approximately two weeks following your enrollment.
No. Since premiums are paid with after-tax dollars, the benefits received are not taxable.
Yes, you will have 60 days from the date of your qualifying life event to make a change. Your coverage will be effective the date of your life event.
Yes, once enrolled for coverage you will need to elect a beneficiary(ies). This will allow MetLife the ability to provide benefits directly to the individual(s) you have elected. If a participant has multiple products, a beneficiary form will need to be completed for each product either online at mybenefits.metlife.com or by calling 1-866-626-3705 to request a beneficiary designation form to be mailed or emailed.

Aura Identity and Fraud Protection

Aura offers robust protection by monitoring your personal information, credit, finances and devices and alerting you of suspicious activity. It's proactive protection to help stop threats before they strike. If you are a victim of fraud, an experienced Resolution Specialist will help you navigate credit bureaus, help initiate credit freezes or a credit lock and work with you to resolve your fraud incident.
Aura protects your identity through extensive monitoring of your social security number, driver's license, passport, ID and more. Plus, Aura requests the removal of your data from broker lists to protect your identity and reduce spam calls and texts.
Aura monitors your credit, financial accounts, titles and alerts you to suspicious changes. We will help you take charge of your credit with our financial tools.
Once enrolled, Aura will send you a welcome email to introduce you to the service. The welcome email will guide you through the process of creating an account, downloading the mobile app and accessing additional features available to you.
There are two plans available. Each has an Individual and Family coverage option.
  • Protection Plan: Basic protection for your identity, finances and two devices per adult member.
  • Protection Plus Plan: Robust protection for your identity, finances and unlimited devices per adult member.
Account owners can add up to 10 adults to their plan. There are no restrictions on adult family members, irrespective of where they live, their age, their relationship or their financial dependence on the employee. Each adult member gets their own private, full-feature Aura account.

Account owners may also add unlimited minors (under 18) to their plan if they have parental guardianship rights. The minor's alerts will only be available for the account owner to review.
Every plan comes with smart safety tools including VPN/Wi-Fi security, antivirus, password manager and more.
Yes, you will have 60 days from the date of your qualifying life event to make a change. Your coverage will be effective the date of your life event.

Aura is a product of Aura Sub, LLC. Aura Sub, LLC. is not affiliated with MetLife, and the services and benefits they provide are separate and apart from any MetLife product.
No one can prevent all identity theft or monitor all transactions effectively.

Like most group benefits programs, benefit programs offered by MetLife and its affiliates contain certain exclusions, exceptions, waiting periods, reductions, limitations and terms for keeping them in force. You may be financially responsible for copayments, deductibles, or any other amounts in excess of those MetLife is required to pay for covered services as described in your dental certificate and/or policy. Ask your MetLife representative for costs and complete details.

Vision insurance is underwritten by Metropolitan Life Insurance Company, New York, NY (MetLife). Certain claims and network administration services are provided through Vision Service Plan, Rancho Cordova, CA (VSP). VSP is not affiliated with MetLife or its affiliates.

Legal plans are administered by MetLife Legal Plans, Inc., Cleveland, Ohio. In California, this entity operates under the name MetLife Legal Insurance Services. In certain states, legal plans are provided through insurance coverage underwritten by Metropolitan General Insurance Company, Warwick, RI. Some services not available in all states. No service, including consultations, will be provided for: 1) employment-related matters, including company or statutory benefits; 2) involving any sponsoring or offering company, MetLife, or its affiliates and plan attorneys as an adverse party; 3) matters in which there is a conflict of interest between the policyholder and spouse or dependents in which case services are excluded for the spouse and dependents; 4) appeals and class actions; 5) farm and business matters, including rental issues when the participant is the landlord; 6) patent, trademark and copyright matters; 7) costs and fines; 8) frivolous or unethical matters; 9) matters for which an attorney client relationship exists prior to the participant becoming eligible for plan benefits. For individuals covered under a New York insurance policy defense of criminal matters is excluded and parents must be related by blood, marriage, adoption, dependency, or operation of law and reside in the same household as the insured to utilize the Plus Parents benefit. For all other personal legal matters, an advice and consultation benefit is provided. Additional representation is also included for certain matters. Please see your plan description for details.

Advertisement produced on behalf of the following specific insurers and seeking to obtain business for insurance underwritten by Farmers Property and Casualty Insurance (a MA & MN licensee) and certain of its affiliates: Economy Fire & Casualty Company, Economy Premier Assurance Company, Economy Preferred Insurance Company, Farmers Casualty Insurance Company (a MN licensee), Farmers Direct Property and Casualty Insurance Company (CA Certificate of Authority: 6730; Warwick, RI), Farmers Group Property and Casualty Insurance Company (CA COA: 6393; Warwick, RI), or Farmers Lloyds Insurance Company of Texas, all with administrative home offices at 700 Quaker Lane, Warwick, RI 02886. Company names approved in domiciliary states; approval pending non-domiciliary states. Coverage, rates, discounts, and policy features vary by state and product and are available in most states to those who qualify. Policies have exclusions, limitations, and terms under which the policy may be continued in force or discontinued. For costs and complete details of coverage, contact your local representative or the company. © 2021 Farmers Insurance.

Pet Insurance coverage issued by Metropolitan General Insurance Company, a Rhode Island insurance company headquartered at 700 Quaker Lane, Warwick, RI 02886. Coverage subject to restrictions, exclusions and limitations and application is subject to underwriting. See policy or contact policy administrator MetLife Pet Insurance Solutions LLC ("MetLife Pet") for details. MetLife Pet operates under an alternate or fictitious name in NY and MN (MetLife Pet Insurance Services LLC) and in IL (MetLife Pet Insurance Solutions Agency LLC).

METLIFE'S ACCIDENT AND HOSPITAL INDEMNITY INSURANCE POLICIES ARE LIMITED BENEFIT GROUP INSURANCE POLICIES. The policies are not intended to be a substitute for medical coverage and certain states may require the insured to have medical coverage to enroll for the coverage. The policies or their provisions may vary or be unavailable in some states. Prior hospital confinement may be required to receive certain benefits. There is a preexisting condition limitation for hospital sickness benefits, if applicable. MetLife's Accident and Hospital Indemnity Insurance may be subject to benefit reductions that begin at age 65. And, like most group accident and health insurance policies, policies offered by MetLife may contain certain exclusions, limitations and terms for keeping them in force. For complete details of coverage and availability, please refer to the group policy form GPNP12-AX, GPNP13-HI, GPNP16-HI or GPNP12-AX-PASG, or contact MetLife. Benefits are underwritten by Metropolitan Life Insurance Company, New York, New York. In certain states, availability of MetLife's Group Hospital Indemnity Insurance is pending regulatory approval.

Hospital does not include certain facilities such as nursing homes, convalescent care or extended care facilities. See MetLife's Disclosure Statement or Outline of Coverage/Disclosure Document for full details.

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 may vary by state. In most plans, there is a pre-existing condition exclusion. In most states, except for insureds covered under a New York certificate, after a covered condition occurs there is a benefit suspension period during which benefits will not be paid for a recurrence. MetLife offers CII on both an Attained Age and an Issue Age basis. Attained Age rates are based on 5-year age bands and will increase when a Covered Person reaches a new age band. MetLife's Issue Age CII is guaranteed renewable and may be subject to benefit reductions that begin at age 65. Premium rates for MetLife's Issue Age CII are based on age at the time of the initial coverage effective date and will not increase due to age. Rates are subject to change for MetLife's Issue Age CII on a class-wide basis. A more detailed description of the benefits, limitations, and exclusions applicable to both Attained Age and Issue Age CII 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 or GPNP14-CI, or 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. MetLife has approved the content relating only to MetLife products listed on this advertisement. MetLife makes no representations with respect to products issued or provided by other carriers or the benefits thereof.

Metropolitan Life Insurance Company / 200 Park Ave / New York, NY 10166 / © 2026 MetLife Services and Solutions, LLC


Back