Accident ▼

Administered by MetLife

Despite having medical and disability insurance, many people are simply not prepared to pay the expenses that come with their injuries after an accident. Accident coverage rounds out medical and disability insurance with a direct cash benefit to help you pay for any unexpected costs. Review the plan summary for full details and costs.

 
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MetLife Group Number: Engage PEO 0227795 | Main: 1-800-438-6388 (GET-MET8) | Disability claims (800) 300-4296 | Accident, Critical Illness, Hospital (866) 626-3705 | MetLife
 

Hospital Indemnity ▼

Administered by MetLife 

Life can be unexpected, and this policy is designed to pay for the costs of a hospital or ICU admission for a covered sickness or injury. It provides a lump-sum cash payment, in addition to any other payments you may receive from your medical plan. Review the plan summary for full details and costs.

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MetLife Group Number: Engage PEO 0227795 | Main: 1-800-438-6388 (GET-MET8) | Disability claims (800) 300-4296 | Accident, Critical Illness, Hospital (866) 626-3705 | MetLife

Disability ▼

Administered by MetLife

Short-Term Disability (STD)

Short-Term Disability (STD) coverage can provide income replacement if you are unable to work due to a covered illness, injury, or off-the-job accident. Review your online enrollment site for details about available plan options and benefit levels. Pre-existing condition limitations apply to voluntary disability coverage. Enrollment is guaranteed when you are newly eligible; late enrollees will be required to complete a Statement of Health and receive approval from MetLife.

Long-Term Disability (LTD)

Long-Term Disability (LTD) coverage can provide continued income replacement if a covered illness, injury, or off-the-job accident keeps you from working for an extended period. Review your online enrollment site for details about available plan options and benefit levels. Pre-existing condition limitations apply to voluntary disability coverage. Enrollment is guaranteed when you are newly eligible; late enrollees will be required to complete a Statement of Health and receive approval from MetLife.

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MetLife Group Number: Engage PEO 0227795 | Main: 1-800-438-6388 (GET-MET8) | MetLife

Critical Illness ▼

Administered by MetLife

Critical illness insurance complements your medical and disability benefits. It can ease the financial impact of certain critical illnesses by helping to pay for some of the expenses left uncovered, such as medical copays, transportation to treatment centers, childcare and more. Critical illness insurance does not replace your medical insurance; rather, it provides a lump-sum payment when you become ill with certain covered conditions.

 
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MetLife Group Number: Engage PEO 0227795 | Main: 1-800-438-6388 (GET-MET8) | Disability claims (800) 300-4296 | Accident, Critical Illness, Hospital (866) 626-3705 | MetLife

Life and AD&D ▼

Administered by MetLife

For You

Employee Life Insurance and AD&D coverage up to the lesser of five times your basic annual earnings or

$500,000 in increments of $10,000. Evidence of Insurability (EOI)* required for amounts that exceed $300,000.

For Your Spouse

Spouse Life Insurance and AD&D coverage up to $250,000 in $5,000 increments, not to exceed 50% of the
employee coverage amount. EOI is required for all amounts over $50,000.

For Your Dependent Children

Dependent Child Life Insurance and AD&D coverage of $2,500, $5,000, $7,500 or $10,000.

Dependent children aged from 15 days up to 26 years old are eligible for coverage. There is no EOI required for this coverage and once elected, covers all eligible dependent children of the employee.

If you are age 65 or older the amounts of your basic life insurance (Employer Paid) will be limited on the following: 
  • Age 65 – 69 Percentage of full coverage reduces to 65%
  • Age 70+ Percentage of full coverage reduces to 50%
 

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MetLife Group Number: Engage PEO 0227795 | Main: 1-800-438-6388 (GET-MET8) | MetLife

LifeTime Benefit Term ▼

Administered by Fidelity Life

Engage PEO is pleased to offer LifeTime Benefit Term Insurance with Long Term Care Protection through Fidelity Life. This benefit is available to eligible full-time  employees, with life insurance protection through age 120.

What is LifeTime Benefit Term?

LifeTime Benefit Term provides life insurance protection along with Long Term Care benefits. With one policy, you can protect your loved ones and have coverage available to help with the costs of long term care if you need it.

This coverage can help pay for long term care services such as nursing homes, assisted living, and in-home care, while also providing life insurance protection for your loved ones.

Premiums are conveniently paid through payroll deduction.

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Fidelity Life | Main: 1-44-227-6166 | Fidelity Life

Don't Miss Out

This annual enrollment period is the only opportunity to enroll in benefits until the next open enrollment period unless you experience a qualifying life event and request a change to your benefits within 30 days of the life event.