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Lucas County Employee Life Insurance Options
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Lucas County Employee Life Insurance Options
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MetLife
MetLife Group Life Claims
P.O. Box 6115
Utica, New York 13504
1-800-638-6420 – prompt #2
Group ID No. 122356
Amount of Death Claim Benefit: $40,000.00 for eligible employees
only.
Amount of Accidental Death & Dismemberment Coverage: Up to
$40,000.00 for eligible employees only.
Waiver of Premium Benefit:
If you become Totally Disabled, your life insurance benefits may be
continued, provided:
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the Total Disability began while you were insured under this policy;
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the Total Disability began before you reached age 60;
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you have completed your disability elimination period; and
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proof of the Total Disability is given to MetLife as described in the following
paragraphs.
The waiver of premium benefit applies to disabilities beginning before age 60. Proof that the employee has been continuously, totally disabled for at least 9 months must be provided to MetLife within 12 months of the date the insured’s disability begins. Premium waiver begins once MetLife determines proof of total disability to be satisfactory. This means that, for Basic Life, employees who become disabled on or after the effective date of coverage and before age 60 and whose application for disability is approved has continuing coverage without premium payment until death, or recovery or age 65, whichever is earliest. If the employee remains on disability at age 65, the death benefit will be reduced to zero.
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