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description=MetLife is a global provider of employee group benefits, helping employers support workforce health, financial security, and wellbeing through trusted insurance solutions.;

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rm financial protection our solutions help safeguard your income your belongings and your family s future enhance your health coverage from dental and vision coverage to pet insurance our benefits are designed to support your health and fit your budget dental insurance vision insurance pet insurance safeguard your valuables we offer specialized coverage to help you protect your biggest investments and defend against online threats identity and fraud protection secure your family s future life insurance and legal plans can help protect your loved ones for the unexpected and support long term planning so you feel confident about today and tomorrow term life insurance group variable universal life insurance group universal life insurance accidental death and dismemberment insurance legal plans protect your finances coverage that helps protect your paycheck and savings when illness injury or time away from work disrupts your life so you can focus on recovery and living life more confidently accident insurance hospital indemnity insurance critical illness insurance cancer insurance disability and leave management reach your financial goals help support your financial well being with solutions designed to help you manage today s expenses and plan for the future explore benefit account solutions or log in to manage your existing policy health savings and spending accounts total control account tca employer sponsored retirement plans find more solutions log in to your annuity or long term care account to view your policy details and find resources related to your coverage annuities long term care get coverage as a federal employee federal benefits include dental and vision coverage along with access to pet insurance legal plans and id fraud protection veterans benefits include dental coverage along with access to pet legal and id fraud federal benefits veteran benefits quick links log in to mybenefits log in to mypets log in to legal plans find a dentist find a vision provider find a form i m looking for contact us retirement and income solutions employers benefits brokers why people choose metlife behind every metlife solution is a company millions trust recognized for its leadership and committed to helping communities thrive top benefits provider 1 provider leading provider of employee group benefits in the u s 2 giving back 1 billion donated by the metlife foundation to strengthen communities 3 most admired 1 insurer ranked no 1 in the insurance life and health industry on fortune world s most admired companies tm list 4 in today s workplace benefits play a crucial role in helping employees navigate life s most challenging and uncertain moments metlife 24th annual u s employee benefit trends study guidance for the choices ahead see all guidance retirement planning metlife s retirement income tool read more legal insurance sep 23 2026 what is an irrevocable trust read more employee benefits sep 29 2026 how to read your insurance card read more take the next step talk to your employer about enrolling in metlife coverage or explore group insurance offerings on your own learn more keep exploring newsroom careers at metlife investor relations 1 subject to state law and or group policyholder direction the total control account is provided for all life and ad d benefits of 5 000 or more the assets backing the total control account tca are maintained in the general account of metlife or the issuing insurance company these general accounts are subject to the creditors of metlife or the respective issuing insurance company metlife or the issuing insurance company bears the investment experience of such assets and expects to earn income sufficient to pay interest to tca accountholders and to make a profit on the operation of the tcas regardless of the investment experience of such assets the effective annual rate on the account will not be less than the rate guaranteed on the welcome guide the tca and other available settlement options are not bank products and are not insured by the fdic or any other governmental agency in addition while the funds in your account are not insured by the fdic they are guaranteed by each state s insurance guarantee association the coverage limits vary by state please contact the national organization of life and health insurance guaranty associations www nolhga com or 703 481 5206 to learn more for further information please contact your state department of insurance 2 metlife internal analysis and 4q2024 limra inforce reports product definitions life includes term life group universal life group variable universal life whole life metlife federal employees group life insurance estimated prudential servicemembers group life insurance credit life and accidental death dismemberment 3 metlife foundation reaches new milestone over 1 billion in giving 4 metlife recognized as industry leader on fortune world s most admired companies tm 2026 list 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 metlife vision benefits are underwritten by metropolitan life insurance company new york ny certain claims and network administration services are provided through superior vision services inc superior vision a delaware corporation and davis vision inc davis vision a new york corporation both superior vision and davis vision are part of the metlife family of companies like most group benefit programs benefit programs offered by metlife and its affiliates contain certain exclusions exceptions reductions limitations waiting periods and terms for keeping them in force please contact metlife or your plan administrator for costs and complete details benefits are underwritten by metropolitan life insurance company new york ny certain claim and network administration services are provided through vision service plan vsp rancho cordova ca vsp is not affiliated with metropolitan life insurance company or its affiliates like most group benefits programs benefit programs offered by metlife contain certain exclusions exceptions waiting periods reductions limitations and terms for keeping them in force ask your metlife group representative for costs and complete details 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 identity theft insurance underwritten by insurance company subsidiaries or affiliates of american international group inc the description herein is a summary and intended for informational purposes only and does not include all terms conditions and exclusions of the policies described please refer to the actual policies for terms conditions and exclusions of coverage coverage may not be available in all jurisdictions as a component of becoming an aura member consumers receive identity theft insurance through a group policy issued to aura american international group inc is not an affiliate or subsidiary of metlife and metlife does not issue or underwrite this policy no one can prevent all identity theft or monitor all transactions effectively 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 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 group universal life gul is issued by metropolitan life insurance company new york ny 10166 metlife s standard certificate forms include certificate forms g 9704 2009 g 9704a 2009 coverage may also be provided on metlife s previous standard policy forms 30024 1 95 de 3002407 2 2008 fl 3002409 5 2005 in 3002413 1 95 ks 3002415 1 95 la 3002417 2 2008 mn 3002422 1 95 ms 3002423 5 2005 ny 3002431 5 2005 ok 3002435 1 95 or 3002436 2 2008 pa 3002437 1 95 sd 3002440 1 95 and in tx 3002472 5 2005 certificate form certificate form number prospectuses for group variable universal life insurance and its underlying portfolios can be obtained by calling 800 756 0124 you should carefully read and consider the information in the prospectuses regarding the contract s features risks charges and expenses as well as the investment objectives risks policies and other information regarding the underlying portfolios prior to making any purchase or investment decisions product availability and features may vary by state all product guarantees are subject to the financial strength and claims paying ability of metropolitan life insurance company group variable universal life insurance has limitations there is no guarantee that any of the variable options in this product will meet its stated goals or objectives cash value allocated to the variable investment options is subject to market fluctuations so that when withdrawn or surrendered it may be worth more or less than the amount of premiums paid group variable universal life insurance gvul is issued by metropolitan life insurance company mlic new york ny 10166 and distributed by metlife investors distribution company mlidc member finra mlic and mlidc are metlife companies certificate form certificate form number group variable universal life insurance gvul is issued by metropolitan life insurance company mlic new york ny 10166 and distributed by metlife investors distribution company mlidc member finra mlic and mlidc are metlife companies metlife s standard certificate forms available on or after 5 1 09 include certificate forms g 24300 2003 g 24300a 2003 ny g 24300 stock and g 24300a stock coverage may also be provided on metlife s previous standard policy forms 30037 6 96 fl 3003709 5 2005 in 3003713 6 96 ma 3003720 6 96 md 3003719 6 96 mn 3003722 6 96 ms 3003723 5 2005 ne 3003726 6 96 ny 3003731 5 2005 ok 3003735 6 96 or 3003736 5 2005 pa 3003737 6 96 sc 3003739 6 96 sd 3003740 6 96 and in tx 3003772 5 2005 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 are not available in all states no service including consultations will be provided for please replace by 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 s accident ax hospital indemnity hi and critical illness cii insurance policies are limited benefit group insurance policies the policies are not intended to be a substitute for medical coverage providing benefits for medical treatment including hospital surgical and medical expenses and do not provide reimbursement for such expenses certain states may require the insured to have medical coverage to enroll in these policies like most group accident and health insurance policies metlife s ax hi and cii policies contain certain exclusions limitations and terms for keeping them in force product features and availability may vary by state the policies may be subject to a benefit reduction due to age provision for hi and ax prior hospital confinement may be required to receive certain benefits and there may be a pre existing condition exclusion for hospital sickness benefits if applicable hospital does not include certain facilities such as nursing homes convalescent care or extended care facilities for cii there may be a pre existing condition exclusion and a benefit suspension period between recurrences of the same covered condition or occurrences of different covered conditions metlife offers cii on both an attained age basis where rates will increase when a covered person reaches a new age band and an issue age basis where rates will not increase due to age rates are subject to change metlife reserves the right to raise premium rates for issue age cii on a class wide basis a more detailed description of the benefits limitations and exclusions applicable to metlife s ax hi and cii products can be found in the applicable disclosure statements or outlines of coverage disclosure documents available at time of enrollment for complete details of coverage and availability for ax and hi please refer to the group policy form gpnp12 ax gpnp13 hi gpnp16 hi or gpnp12 ax pasg and for cii please refer to the group policy form gpnp07 ci gpnp09 ci gpnp10 ci gpnp14 ci gpnp19 ci or contact metlife for more information benefits are underwritten by metropolitan life insurance company new york new york the metlife cancer insurance plan is based on the metlife critical illness insurance cii policy metlife cancer insurance includes only the cancer covered conditions 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 the plan may include a pre existing condition exclusion after a covered condition occurs there is a benefit suspension period during which benefits will not be paid for a recurrence except in the cas...