Voluntary Benefits
Extra Financial Protection When You Need It Most
Voluntary benefits can help provide an added layer of financial protection when life’s unexpected moments occur.
Beacon offers Accident, Critical Illness, and Hospital Indemnity Insurance through MetLife to help employees manage expenses that may arise from an accident, serious illness, or hospital stay.
Benefits are paid directly to you and can be used however you need, including medical deductibles, household bills, childcare, transportation costs, or everyday living expenses.
These plans are voluntary and employee-paid and are designed to supplement, not replace, your medical coverage.
MetLife Supplemental Coverage
Phone:
1-800-GET-MET8 (1-800-438-6388)
Website:
MetLife.com
Coverage Information
How do they work?
Coverage
Explore each benefit below to learn what’s covered and how these plans can help protect your finances when unexpected events occur.
Whether you’re recovering from an accident, facing a serious illness, or experiencing a hospital stay, MetLife’s voluntary benefits provide cash benefits paid directly to you. You can use the money however you need, including medical expenses, household bills, childcare, transportation, groceries, or other everyday financial needs.
These plans supplement your medical coverage—they do not replace it. They are not major medical coverage and do not qualify as minimum essential coverage under the Affordable Care Act
Additional resources
Enrollment & Additional Benefits
Enroll in Accident, Critical Illness, and Hospital Indemnity
Voluntary plans like Critical Illness, Accident and Hospital Indemnity pay a cash benefit directly to you when you or a covered dependent experience a health event like an illness, diagnosis, or an accident.
These are separate from primary medical plan and do not count as minimum essential coverage under the Affordable Care Act and are not a substitute for major medial coverage. However, they help cover costs not typically covered by a major medical plan, like lost wages, transportation, and child care. You can also use the cash you receive to pay for your medical plan deductible and coinsurance.
This is 100% employee-paid benefit.
Learn more about each plan below.
Accident
Accident insurance pays for a long list of covered care for minor and more serious injuries.
Critical Illness
Critical Illness pays lump-sum benefit at the diagnosis of a covered illness. You choose the level of coverage—increments of $10,000, up to $40,000.
Hospital Indemnity
Hospital Indemnity Insurance pays lump-sum benefit when hospitalized occurs. Can be planned or unplanned stay.
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