Benefits Center Life & Disability : simplebooklet.com

LI-GCERT-BASIC GCERT Life Benefit Summary200 Park Ave., New York, NY 10166© 2020 MetLife Services and Solutions, LLC L1120009094][All States]What Is Not Covered?Like most insurance plans, this plan has exclusions. In addition, a reduction schedule may apply. Please see yourbenefits administrator or certificate for specific details.Accidental Death & Dismemberment insurance does not include payment for any loss which is caused by or contributed toby: physical or mental illness, diagnosis of or treatment of the illness; an infection, unless caused by an external woundaccidentally sustained; suicide or attempted suicide; injuring oneself on purpose; the voluntary intake or use by anymeans of any drug, medication or sedative, unless taken as prescribed by a doctor or an over-the-counter drug taken asdirected; voluntary intake of alcohol in combination with any drug, medication or sedative; war, whether declared orundeclared, or act of war, insurrection, rebellion or riot; committing or trying to commit a felony; any poison, fumes or gas,voluntarily taken, administered or absorbed; service in the armed forces of any country or international authority, exceptthe United States National Guard; operating, learning to operate, or serving as a member of a crew of an aircraft; while inany aircraft for the purpose of descent from such aircraft while in flight (except for self preservation); or operating a vehicleor device while intoxicated as defined by the laws of the jurisdiction in which the accident occurs.Life and AD&D coverages are provided under a group insurance policy (Policy Form GPNP99 or G2130-S) issued to youremployer by MetLife. Life and AD&D coverages under your employer’s plan terminates when your employment ceaseswhen your Life and AD&D contributions cease, or upon termination of the group insurance policy. Should your lifeinsurance coverage terminate for reasons other than non-payment of premium, you may convert it to a MetLife individualpermanent policy without providing medical evidence of insurability.This summary provides an overview of your plan’s benefits. These benefits are subject to the terms and conditions of thecontract between MetLife and your employer. Specific details regarding these provisions can be found in the certificate. Ifyou have additional questions regarding the Life Insurance program underwritten by MetLife, please contact your benefitsadministrator or MetLife. Like most group life insurance policies, MetLife group policies contain exclusions, limitations,terms and conditions for keeping them in force. Please see your certificate for complete details.(1) Features may vary depending on jurisdiction.(2) Total disability or totally disabled means your inability to do your job and any other job for which you may be fit by education,training or experience, due to injury or sickness. Please note that this benefit is only available after you have participated in theBasic/Supplemental Term Life Plan for 1 year and it is only available to the employee.(3) 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 TCA is not insured by the Federal Deposit Insurance Corporation or any government agency. The assetsbacking TCA are maintained in MetLife’s general account and are subject to MetLife’s creditors. MetLife bears the investment risk ofthe assets backing the TCA, and expects to earn income sufficient to pay interest to TCA Accountholders and to provide a profit onthe operation of the TCAs. Guarantees are subject to the financial strength and claims paying ability of MetLife.(4) WillsCenter.com is a document service provided by SmartLegalForms, Inc., an affiliate of Epoq Group, Ltd. SmartLegalForms, Inc.is not affiliated with MetLife and the WillsCenter.com service is separate and apart from any insurance or service provided byMetLife. The WillsCenter.com service does not provide access to an attorney, does not provide legal advice, and may not be suitablefor your specific needs. Please consult with your financial, legal, and tax advisors for advice with respect to such matters.(5) The Seat Belt Benefit is payable if an insured person dies as a result of injuries sustained in an accident while driving or riding in aprivate passenger car and wearing a properly fastened seat belt _or a child restraint if the insured is a child_. In such case, his or herbenefit can be increased by 10 percent of the Full Amount — but not less than $1,000 or more than $25,000.

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Supplemental Term Life Metropolitan Life Insurance Company Plan Design for: Prestige PEO Holdings, LLCFor All Active Full-Time Employees Whose Worksite Elects Supplemental Life/AD&D working at least 20 hours per week Build Your Benefit With MetLife's Supplemental Term Life insurance, your employer gives you the opportunity to buy valuable life insurance coverage for yourself, your spouse and your dependent children -- all at affordable group rates. Employee Spouse & Child Spouse1 Child Life Coverage: provides a benefit in the event of death Schedules: Increments of $10,000 Increments of $5,000 Flat Amount: $1,000, $2,000, $4,000, $5,000, or $10,000 Non Medical Maximum $100,000 $25,000 $10,000 Overall Benefit Maximum The lesser of 5 times Your Basic Annual Earnings, or $500,000 $100,000 $10,000 AD&D Coverage: provides a benefit in the event of death or dismemberment resulting from a covered accident Schedules: Yes (benefit amount is same as Supplemental Term Life coverage) Yes (benefit amount is same as Supplemental Term Life coverage) Yes (benefit amount is same as Supplemental Term Life coverage) AD&D Maximum Maximum amount is same as Supplemental Term Life coverage Maximum amount is same as Supplemental Term Life coverage Maximum amount is same as Supplemental Term Life coverage Employee Contribution 100% 100% 100% Any purchase or increase in benefits, which does not take place within 31 days of employee’s or dependent's eligibility effective date is subject to evidence of insurability. Coverage is subject to the approval of MetLife. To request coverage: 1. Choose the amount of employee coverage that you want to buy.2. Look up the premium costs for your age group for the coverage amount you are selecting on the chart below.3. Choose the amount of coverage you want to buy for your spouse. Again, find the premium costs on the chart below.Note: Premiums are based on your age, not your spouse’s.4. Choose the amount of coverage you want to buy for your dependent children. The premium costs for each coverageoption are shown below.5. Fill in the enrollment form with the amounts of coverage you are selecting. (To request coverage over the non-medicalmaximum, please see your Human Resources representative for a medical questionnaire that you will need tocomplete.) Remember, you must purchase coverage for yourself in order to purchase coverage for your spouse orchildren.LI-GCERT-SUPP-OVER EOL Benefit Summary200 Park Ave., New York, NY 10166 © 2020 MetLife Services and Solutions, LLC L0320002511[All States]

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200 Park Ave., New York, NY 10166 © 2020 MetLife Services and Solutions, LLC L032000251[All States] LI-GCERT-SUPP-OVER EOL Benefit SummaryFeatures available with Supplemental Life Beneficiary Grief Counseling3: Your beneficiaries have access to personalized counseling sessions to meet your beneficiaries’ needs and help them cope with loss. Any beneficiary who receives the life insurance proceeds is eligible for up to 5 counseling sessions. These sessions can be in-person or by phone with one of LifeWorks’ network of counselors who provide professional, confidential support during difficult times. You can access these services by calling 1-888-319-7819 or log on to metlifegc.lifeworks.com (Username: metlifeassist; Password: support). Funeral Discounts and Planning Services4: As a MetLife group life policyholder, you and your family may have access to funeral discounts, planning and support to help honor a loved one’s life - at no additional cost to you. Dignity Memorial provides you and your loved ones access to discounts of up to 10% off of funeral, cremation and cemetery services through the largest network of funeral homes and cemeteries in the United States. When using the Dignity Memorial Network you have access to convenient planning services - either online at www.finalwishesplanning.com, by phone (1-866-853-0954), or by paper - to help make final wishes easier to manage. You also have access to assistance from compassionate funeral planning experts to help guide you and your family in making confident decisions when planning ahead as well as bereavement travel services - available 24 hours, 7 days a week, 365 days a year - to assist with time-sensitive travel arrangements to be with loved ones. Will Preparation5:Like life insurance, a carefully prepared Will is important. With a Will, you can define your most important decisions such as who will care for your children or inherit your property. By enrolling for Supplemental Term Life coverage, you will have in person access to MetLife Legal Plans' network of 14,000+ participating attorneys for preparing or updating a will, living will and power of attorney. When you enroll in this plan, you may take advantage of this benefit at no additional cost to you if you use a participating plan attorney. To obtain the legal plan's toll-free number and your company's group access number, contact your employer or your plan administrator for this information. MetLife Estate Resolution Services (ERS)4 :is a valuable service offered under the group policy. A MetLife Legal Plan attorney will consult with your beneficiaries by telephone or in person regarding the probate process for your estate. The attorney will also handle the probate of your estate for your executor or administrator.. This can help alleviate the financial and administrative burden upon your loved ones in their time of need. Portability6: If your present employment ends, you can choose to continue your current life benefits. What Is Not Covered? Like most insurance plans, this plan has exclusions. Supplemental and Dependent Life Insurance do not provide payment of benefits for death caused by suicide within the first two years (one year in North Dakota) of the effective date of the certificate, or payment of increased benefits for death caused by suicide within two years (one year in North Dakota or Colorado) of an increase in coverage. In addition, a reduction schedule may apply. Please see your benefits administrator or certificate for specific details. Accidental Death & Dismemberment insurance does not include payment for any loss which is caused by or contributed to by: physical or mental illness, diagnosis of or treatment of the illness; an infection, unless caused by an external wound accidentally sustained; suicide or attempted suicide; injuring oneself on purpose; the voluntary intake or use by any means of any drug, medication or sedative, unless taken as prescribed by a doctor or an over-the-counter drug taken as directed; voluntary intake of alcohol in combination with any drug, medication or sedative; war, whether declared or undeclared, or act of war, insurrection, rebellion or riot; committing or trying to commit a felony; any poison, fumes or gas, voluntarily taken, administered or absorbed; service in the armed forces of any country or international authority, except the United States National Guard; operating, learning to operate, or serving as a member of a crew of an aircraft; while in any aircraft for the purpose of descent from such aircraft while in flight (except for self preservation); or operating a vehicle or device while intoxicated as defined by the laws of the jurisdiction in which the accident occurs. Life and AD&D coverages are provided under a group insurance policy (Policy Form GPNP99 or G2130-S) issued to your employer by MetLife. Life and AD&D coverages under your employer’s plan terminates when your employment ceases, when your Life and AD&D contributions cease, or upon termination of the group insurance policy. Dependent Life coverage will terminate when a dependent no longer qualifies as a dependent. Should your life insurance coverage terminate for reasons other than non-payment of premium, you may convert it to a MetLife individual permanent policy without providing medical evidence of insurability. This summary provides an overview of your plan’s benefits. These benefits are subject to the terms and conditions of the contract between MetLife and your employer and are subject to each state’s laws and availability. Specific details regarding these provisions can be found in the certificate. If you have additional questions regarding the Life Insurance program underwritten by MetLife, please contact your benefits

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200 Park Ave., New York, NY 10166 © 2020 MetLife Services and Solutions, LLC L032000251][All States] LI-GCERT-SUPP-OVER EOL Benefit Summaryadministrator or MetLife. Like most group life insurance policies, MetLife group policies contain exclusions, limitations, terms and conditions for keeping them in force. Please see your certificate for complete details. 1. Spouse amount cannot exceed 50% of the employee’s Supplemental Life benefit.2. Child benefits for children under 6 months old are limited.3. Beneficiary Grief Counseling services are provided through an agreement with LifeWorks. US Inc. LifeWorks is not an affiliate of MetLife, and theservices LifeWorks provides are separate and apart from the insurance provided by MetLife. LifeWorks has a nationwide network of over 30,000counselors. Counselors have master’s or doctoral degrees and are licensed professionals. This program is available only to beneficiaries of MetLifegroup Life Insurance programs. Events that may result in a loss are not covered under this program unless and until such loss has occurred.4. Services and discounts are provided through a member of the Dignity Memorial® Network, a brand name used to identify a network of licensedfuneral, cremation and cemetery providers that are affiliates of Service Corporation International (together with its affiliates, “SCI”), 1929 AllenParkway, Houston, Texas. The online planning site is provided by SCI Shared Resources, LLC. SCI is not affiliated with MetLife, and the servicesprovided by Dignity Memorial members are separate and apart from the insurance provided by MetLife. Not available in some states. Planningservices, expert assistance, and bereavement travel services are available to anyone regardless of affiliation with MetLife. Discounts throughDignity Memorial’s network of funeral providers are pre-negotiated. Not available where prohibited by law. If the group policy is issued in anapproved state, the discount is available for services held in any state except KY and NY, or where there is no Dignity Memorial presence (AK, MT,ND, SD, and WY). For MI and TN, the discount is available for “At Need” services only. Not approved in AK, FL, KY, MT, ND, NY and WA.5. Will Preparation and MetLife Estate Resolution Services are offered by MetLife Legal Plans, Inc., Cleveland, Ohio. In certain states, legal servicesbenefits are provided through insurance coverage underwritten by Metropolitan Property and Casualty Insurance Company and Affiliates, Warwick,Rhode Island. Will Preparation and Estate Resolution Services are subject to regulatory approval and currently available in all states. For NewYork sitused cases, the Will Preparation service is an expanded offering that includes office consultations and telephone advice for certain otherlegal matters beyond Will Preparation. Please note that certain services are not covered by Estate Resolution Services, including matters in whichthere is a conflict of interest between the executor and any beneficiary or heir and the estate; any disputes with the group policyholder, MetLifeand/or any of its affiliates; any disputes involving statutory benefits; will contests or litigation outside probate court; appeals; court costs, filing fees,recording fees, transcripts, witness fees, expenses to a third party, judgments or fines; and frivolous or unethical matters.6. Subject to state availability and the maturity age specified in the certificate.

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Life comes in many shapes and sizes. Protect your priorities with life insurance. Why life insurance mattersLife insurance is a cost-effective way to protect your loved ones. Should something unforeseen happen to you, it helps ensure that short- and long-term financial obligations could be met. If you have a spouse or domestic partner, if you have children, they may rely on you to help keep the household running. Without your income paying the mortgage or providing for a child’s college education could become more difficult. Term life insurance gives your loved ones a lump sum payment. This would help them be financially prepared to better handle expenses like:• Mortgage or rent payments• Utilities• Insurance premiums• Childcare/education fees• Transportation• Credit card billsNot sure how much life insurance is right for you? Get an idea of how much to consider with our calculator. Scan the QR code or visit www.metlife.com/lifeneeds. Review your life insurance needs regularly to help ensure adequate protection for your loved ones.Life InsuranceA premature death is likely to exert a major or devastating impact on financial security, lifestyle and general savings.1Experts recommend a coverage amount equal to at least 10 years of your annual income.1Scan to calculate life insurance coverage that fits you.

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in coveragein coverageThe advantages of getting life insurance through work:They will receive a lump-sum payment to help provide a more financially secure future.Continue to be there for your loved ones with life insurance.Competitive group rates2The tax advantageYour beneficiaries typically won’t need to pay income tax on the payments they receive.5$50kThat’s near the cost of a latte!Estimated cost $3–$4 per month3$250k$500kEstimated cost $13–$20 per month3That’s a movie ticket and popcorn!4Estimated cost $25–$40 per month3That’s one month at a fitness center!4in coverageConvenient payroll deductionsEducational tools to help you decide how much insurance is right for youConsider this scenario:Renee's father passed away a few months before she left for college. Fortunately, he had group life insurance through MetLife, which helped cover Renee’s tuition and allowed her to pursue her dream to become a registered nurse. Now, she has life insurance through her employer to help make sure her kids will have the same opportunities if something happens to her.This is a hypothetical example for illustrative purposes only. Photos do not represent actual MetLife customers.Consider this life event:Easy access to enrollmentConsider these average Group Term Life Insurance policy costs for a healthy 35-year-old:

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Benefit overviewTerm life insurance covers you for a fixed period of time and pays a death benefit to your beneficiary if you pass away during that time.WhyneededThis coverage can help your family be financially prepared to better handle expenses like mortgage or rent payments, utilities, insurance premiums, childcare/education fees, transportation, credit card bills, and more.Additional value and servicesThe group term life insurance plan includes:• Will Preparation:6 Offers in-person and phone access to a network of plan attorneys to prepare or update a will, living will or power of attorney. • Estate Resolution Services:7 Helps alleviate the administrative and financial burden of probating an estate.• Portability:8 Provides an opportunity to continue your group term life insurance coverage with MetLife at competitive rates9 if you retire or leave the company.• Funeral Discount & Planning Services:10 Access to Dignity Memorial, the largest network of funeral homes and cemeteries, to pre-plan arrangements with a licensed counselor and receive a discount on funeral services.Please see your Plan Summary for details.Help ensure your family’s financial security with MetLife Life Insurance.

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L0623032862[exp0625][All States] © 2023 MetLife Services and Solutions, LLCMetropolitan Life Insurance Company | 200 Park Avenue | New York, NY 10166How much will it cost?A. It may be less expensive than you think. MetLife’s group term life insurance plans are a cost-effective way for you to provide for your loved ones with competitive group rates and a wide range of coverage options to choose from. Exact rates can be found in your enrollment materials.How do I pay for my coverage?A. Premiums are conveniently paid through payroll deductions, so you don’t have to worry about writing a check or missing a payment.Frequently Asked QuestionsWhat is a beneficiary?A. The person you choose to receive the life insurance proceeds should something happen to you. It’s possible to have multiple beneficiaries and you can update them regularly should your circumstances or needs change.I already have basic life insurance through my employer, why do I need more?A. While having life insurance provided by your employer is a great benefit, it’s possible that it may not be enough to adequately provide for your loved ones. Additional life insurance can give them greater financial security if you are no longer here to earn a paycheck.How much life insurance do I need?A. Everyone is different, but it may be more than you have now. The insurance you need changes as your life changes — for example, getting married, starting a family, or buying a home may change the coverage you need. Many people are surprised to learn that they may not have enough life insurance to cover the many expenses their loved ones may face.How are claims paid?A. A claim needs to be filed with the life insurance company upon the death of the insured. A tax-free death benefit is paid in a single lump-sum to your chosen beneficiary or beneficiaries.5

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Help protect your incomeand lifestyle with Long TermDisability Insurance.Long Term Disability Insurance: why is it so important?More than one in four of today’s 20-year-olds can expect to be out of work for at least a year because of a disabling condition before they reach normal retirement age.1 Long Term Disability Insurance (LTD) can help protect your income if you are unable to work due to a major injury, chronic condition, cancer or extended illness.LTD can help you cover essential living expenses, protect your savings, your home and other assets, and help you avoid having to borrow money from friends or family.Coverage is easily accessible, and the monthly payments are made directly to you. You can use the money for whatever you like, from groceries and gas to your mortgage or rent.While disabilities may be unexpected, they don’t have to be financially devastating.Why should I enroll? • Improve your financial security.• Our application is simple andstraightforward, but the benefitsare significant. There’s no bettertime to secure your coverage.For questions, please call MetLife at 1 800 GET-MET8(1 800 438-6388)Long Term Disability InsuranceCoverage that can help protect your income when you are unable to work.The majority of long-term absences are due to illnesses, such as cancer, heart attacks and diabetes.2How much will you need?A good rule of thumb is to buy enough disability insurance to cover your essential monthly expenses (e.g., mortgage, food, utilities and car payments). For most people, that’s about 60%–80% of their income. Use the calculator tool at www.disabilityonlinecalc.com

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Your benefit in action:Why it pays to have long term disability insurance:Anita is diagnosed with an autoimmune disorder leaving her temporarily paralyzed. While she’s unable to work for eight months, her disability insurance pays a percentage of her income each month, allowing her to focus on her recovery without worrying about where her next paycheck would come from.This is a hypothetical example for illustrative purposes only. Individual experiences may vary based on your plan design, where you live and whether your plan requires a deductible or coinsurance. Please see your Plan Summary for details about your coverage.Consider this:How would you pay your bills if you couldn’t work? • Savings? More than 2 in 3 Americans would be worried about having enough emergency savings to cover a month’s worth of living expenses.3• Social Security Disability? Given its strict definitions of what qualifies as a disability, federal help may be unavailable. Approximately 67% of initial Social Security Disability Insurance claims are denied.4 • Workers’ compensation? Only if you were injured on the job.5If you experience a major injury or chronic illness, submitting a claim doesn’t have to be difficult. Here’s what to expect:Depending on your plan, you can submit your claim by phone, mail or visiting metlife.com/mybenefits. Plus, you can track the status of your claim online.Answer a few simple questions about what happened and upload your medical documentation to support your claim. Once we have everything, claims are typically processed within 10 business days. You only need one claim form per injury or illness and every claim is reviewed by a claims professional.Once your claim is approved, you’ll receive monthly or weekly payments depending on your plan. Use the funds however you like. Long term disability coverage from MetLife may paybetween 40–70% of your pre-disability income for anextended period. You will receive benefits for as long asyou remain disabled and unable to work, until retirement age. You can also earn financial incentives by participating in MetLife-approved rehabilitation programs. These programsare designed to help you recover financially and functionally.

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Product overviewLong Term Disability Insurance can help protect your income if you are unable to work due to a major injury, chronic condition, cancer or extended illness.You can also earn financial incentives by participating in MetLife-approved rehabilitation programs. These programs are designed to help you recover financially and functionally.WhyneededLong term disability insurance can help cover important ongoing obligations that could be a challenge to meet during a difficult time, such as:• Rehabilitation• Family care, such as childcare• Moving expenses• Mortgage or rent payments• Groceries• Car paymentsDiscover the advantages of having MetLife Long Term Disability Insurance.How much does long term disability insurance cost?A. Disability insurance can be more cost-effective than you may think. For example, a healthy male, age 35, may get a $1,000 monthly benefit for an initial premium of about $25 a month.7 Rates7 for your plan(s) can be found in your enrollment materials.Frequently Asked QuestionsWhy is having long term disability insurance so important?A. Having long term disability protection can help you cover your essential living expenses and help protect your savings since it replaces a portion of your income for an extended period of time if you are unable to work due to a covered accident or illness.What are the essential living expenses that I should be most concerned about?A. Consider any expenses you may incur in the running of your household – including car payments, mortgage or rent payments, groceries, childcare,6 tuition and more – that would still need to be paid in the event of a disability.How do disability payments work?A. Payment will be made directly to you — not your employer, hospital, doctor or insurance company. The payment amount will depend on plan. Please see your Plan Summary for more information.

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How do I pay for my long term disability insurance?A. Premiums will be conveniently paid through payroll deductions, so you don’t haveto worry about writing a check or missing a payment.Frequently Asked Questions (continued)What happens when I want to file a claim?A. MetLife offers various ways to submit your claim based on your plan, including online,mail and phone options. Plus, you can track the status of your claim online.As one of the nation’s leading providers of disability benefits,8 you can count onMetLife to provide you with caring, compassionate and accurate claims service if, and when,you experience a disability.What if I choose not to have long term disability insurance?A. Enrolling in a plan is not mandatory, but it is a good idea and a cost-effective way to helpprotect your income. Without long term disability insurance, you may need to use your savingsor tap into other assets to cover your essential living expenses while you recover from adisabling accident or illness.When can I enroll?A. It is best to enroll during your open enrollment period when medical exams may not berequired and health questions may not be asked. The sooner you enroll, the sooner you willenjoy the added financial protection that disability coverage provides.Enroll in Long Term Disability Insurance during annual enrollment.L0623033130[exp0625][All States][DC,GU,MP,PR,VI] © 2023 MetLife Services and Solutions, LLC.Metropolitan Life Insurance Company | 200 Park Avenue | New York, NY 101661. Social Security Administration, https://www.ssa.gov/pubs/EN-05-10029.pdf. August 2022.2. Council for Disability Awareness. Chances of Disability: Me, Disabled? http://www.disabilitycanhappen.org/common-causes/. Accessed May 2023. 3. Bankrate's 2023 annual emergency savings report, https://www.bankrate.com/banking/savings/emergency-savings-report/. February 2023.4. Social Security Administration Annual Statistical Report on the Social Security Disability Insurance Program, 2021, https://www.ssa.gov/policy/docs/statcomps/di_asr/2021/di_asr21.pdf. October 2022. 5. Social Security Administration. How Workers’ Compensation and Other Disability Payments May Affect Your Benefits. https://www.ssa.gov/pubs/EN-05-10018.pdf. December 2021.6. For eligible family members, if you participate in a MetLife-approved Rehabilitation Program.7. Actual rates will vary based on factors including the applicant’s age, health, occupation and state of residence as well as the amount of coverage, maximum benefit period, waiting period and carrier issuing the coverage. Initial rates may increase.8. LIMRA, U.S. Workplace Disability Insurance Sales and In Force Survey, Second Quarter 2022. Like most group disability insurance policies, MetLife policies contain certain exclusions, exceptions, waiting periods, reductions, limitations and terms for keeping them in force. Contact your plan administrator for details.ADF# DI2860.22Please see your Plan Summary for more information.

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Help protect your incomeand lifestyle with Short TermDisability Insurance.Short Term Disability Insurance:why is it so important?Your ability to earn an income is indeed one of your most valuable assets. Just over 1 in 4 of today’s 20-year-olds will likely become disabled before reaching age 67.1 That’s why financial experts recommend short term disability insurance as part of a sound financial plan at any stage of life.2 Short Term Disability Insurance (STD)can help you cover your essential living expenses and help protect your savings if you are unable to work due to an illness or injury, including pregnancy. If you have a family, they most likely rely on you to help keep the household running. If you are single, and don’t prepare ahead to cover your expenses, you may need to use your savings, sell your property, or borrow money from friends or family to meet your ongoing financial obligations while you recover.STD may help replace a portion of your income during the initial weeks of a disability, generally between 13 and 26 weeks. Coverage is easily accessible, and payments are made weekly, directly to you. You can use the money for whatever you like, from groceries and gas to your mortgage or rent.Why should I enroll? • Improve your financial security.• Our application is simple andstraightforward and the benefitsmay be significant. There’sno better time to secureyour coverage.For questions, please call MetLife at1 800 GET-MET8(1 800 438-6388)Coverage that can help protect your income when you are unable to work.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 Short Term Disability (STD) coverage. In CA, CT, HI, MA, NJ, NY, PR, RI, WA, OR (starting 9/3/23), and CO (starting 1/1/24), if eligible, you must apply for State Benefits. 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. Please consider, based on your individual circumstances, whether you need additional coverage beyond the State Benefit.Short Term Disability Insurance

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Your benefit in action:Why it pays to have short term disability insurance:Accidents and illness can happen to anyone, and it can impact your ability to earn money.Each year, around 5% of working Americans will experience a short-term disability (six months or less) due to illness, injury, or pregnancy.3How would you pay your bills if you couldn’t work?• Savings? Only 52% of workers say they have a three-month savings cushion.4• Social Security Disability? Only if you couldn’t be expected to work in any occupation — not just your own occupation — for at least a year due to a disability.5• Workers’ compensation? Only if you were injured on the job.6• State disability benefits or medical leave? Only if you work in CA, CT, HI, MA, NJ, NY, PR, RI, or WA (and OR starting 9/3/23 and CO starting 1/1/24).Submitting a claim doesn’t have to be difficult. Here’s what to expect:Depending on your plan, you can submit your claim by phone, mail or visiting metlife.com/mybenefits. Plus, you can track the status of your claim online.Answer a few simple questions about what happened and upload your medical documentation to support your claim. Once we have everything, claims are typically processed within 10 business days. You only need one claim form per injury or illness and every claim is reviewed by a claims professional.Once your claim is approved, you’ll receive monthly or weekly payments depending on your plan. Use the funds however you like. How much will you need?A good rule of thumb is to buy enough disability insurance to cover your essential monthly expenses (e.g., mortgage, food, utilities and car payments). For most people, that’s about 60%–80% of their income. Use the calculator tool at www.disabilityonlinecalc.com.

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Product overviewShort term disability insurance can help protect your income if you are unable to work due to a covered accident, illness, or pregnancy.WhyneededShort term disability insurance can help cover important ongoing obligations that could be a challenge to meet during a difficult time, such as:• Rehabilitation• Family care, such as childcare• Mortgage or rent payments• Groceries• Car paymentsDiscover the advantages of having MetLife Short Term Disability Insurance.Frequently Asked QuestionsHow much does short term disability insurance cost?A. Disability insurance can be more cost-effective than you may think. For example, a healthy male, age 35, may get a $230 weekly benefit for an initial premium of about $25 a month.7 Rates for your plan(s) can be found in your enrollment materials.Why is having short term disability insurance so important?A. Having short term disability protection may help you cover your essential living expenses and help protect your savings, since it may help replace a portion of your income during the initial weeks of a disability, generally between 13 and 26 weeks.What are the essential living expenses that I should be most concerned about?A. Consider any expenses you may incur in the running of your household – including car payments, mortgage payments, groceries, childcare, tuition and more – that would still need to be covered in the event of a disability.How do disability payments work?A. Depending upon the amount of coverage you choose, payment will be made directly to you — not your employer, hospital, doctor or insurance company.

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How do I pay for my disability insurance?A. Premiums will be conveniently paid through payroll deductions, so you don’t have to worry about writing a check or missing a payment.Frequently Asked Questions (continued)What happens when I want to file a claim?A. MetLife offers various ways to submit your claim based on your plan, including online, mail and phone options. Plus, you can track the status of your claim online. As one of the nation’s leading providers of disability benefits,8 you can count on MetLife to provide you with caring, compassionate and accurate claims service if you experience a disability.What if I choose not to have short term disability insurance?A. Enrolling in a plan is not mandatory, but it is a good idea and a cost-effective way to help protect your income. Without short term disability insurance, you may need to use your savings or tap into other assets to cover your essential living expenses whileyou recover from a disabling accident or illness.When can I enroll?A. It is best to enroll during your open enrollment period when medical exams may not be required and health questions may not be asked. The sooner you enroll, the sooner you will enjoy the added financial protection that disability coverage provides.L0623032940[exp0625][All States][DC,GU,MP,PR,VI] © 2023 MetLife Services and Solutions, LLC.Metropolitan Life Insurance Company | 200 Park Avenue | New York, NY 101661. Social Security Fact Sheet, https://www.ssa.gov/news/press/factsheets/basicfact-alt.pdf. Accessed May 2023 2. CNBC, “Here’s the type of insurance you’ll need at each stage of life, experts say,” https://www.cnbc.com/2022/04/18/heres-the-insurance-advisors-say-youll-need-at-each-stage-of-life.html, April 2022.3. Council for Disability Awareness, “Disability Statistics,” http://disabilitycanhappen.org/disability-statistic/, September 2021.4. MetLife's 21st Annual U.S. Employee Benefit Trends Study 20235. Social Security Administration, “Disability Benefits,” https://www.ssa.gov/pubs/EN-05-10029.pdf, August 2022.6. Social Security Administration. How Workers’ Compensation and Other Disability Payments May Affect Your Benefits. https://www.ssa.gov/pubs/EN-05-10018.pdf. December 2021. 7. Actual rates will vary based on factors including the applicant’s age, health, occupation and state of residence as well as the amount of coverage, maximum benefit period, waiting period and carrier issuing the coverage. Initial rates may increase.8. LIMRA, U.S. Workplace Disability Insurance Sales and In Force Survey, Second Quarter 2022.Like most group disability insurance policies, MetLife policies contain certain exclusions, exceptions, waiting periods, reductions, limitations and terms for keeping them in force. Contact your plan administrator for details.Enroll in Short Term Disability Insurance during annual enrollment.Please see your Plan Summary for more information.

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Help ensure your family is provided for in the future with our will preparation services1Take advantage of covered services including: • Unlimited access: Talk toan attorney as many times asneeded to prepare, update orrevise a will.• Protection for theunexpected: Prepare livingwills and powers of attorneyto help ease the stress ifindividuals become unable tomake decisions for themselves.These services are available to you when your life insurance coverage starts. Having a will prevents unnecessary stress and ensures your final wishes are clear. We offer valuable legal resources through MetLife Legal Plans to assist you with creating or updating a will with Supplemental Life coverage. Get legal guidance and unlimited consultations with Network Attorneys so you can feel confident you’re making the right decisions.Experts at handYou’ve got it coveredChoose to meet with any of our more than 18,500 network attorneys in-person or by phone for a one-on-one consultation in a private and supportive environment. There are no claim forms to file for covered services when using a network attorney – fees are taken care of through your plan. To help you find the right fit for you, you can use an out-of-network attorney, the fees reimbursed for these services are based on a set fee schedule.*Tailored guidance when it matters mostSimply visit legalplans.com/estateplanning to get started!Expert guidance is just a click awayWill Preparation

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Life Insurance Confidential Assistance available 24 hours a day, 7 days a week Personalized counseling sessions to meet your beneficiary’s needs. Your beneficiary is eligible for up to 5 counseling sessions.* Sessions can be in-person or by phone with one of LifeWorks’ network of counselors who provide professional, confidential support during difficult times. Self-service resources your beneficiaries can access at anytime Rest assured knowing your beneficiaries will be able to get the level of support they need at their own pace. Self-help resources are available to help beneficiaries through the grieving process. Online information available includes: • Dealing with grief • What to do after the death of a loved one • Coping with painful anniversaries MetLife AdvantagesSM Grief Counseling support for your beneficiaries The loss of a loved one can be hard to deal with. That’s why Beneficiary Grief Counseling services help by providing comfort, encouragement, and hope to your beneficiaries. This service is included at no additional cost with your life insurance coverage. We have partnered with LifeWorks, US Inc. to provide your beneficiaries with support from licensed professional counselors to help during this difficult time of need.1 To speak with a LifeWorks Counselor Call 866-307-1405 Visit metlifebene.lifeworks.com User Name: metlifebene Password: support 1. Beneficiary Grief Counseling services are provided by a third party, LifeWorks US Inc., under an agreement with MetLife. 2. [WillsCenter.com is a document service provided by SmartLegalForms, Inc., an affiliate of Epoq Group, Ltd. SmartLegalForms, Inc. and is not affiliated with MetLife. The WillsCenter.com service is separate and apart from any insurance or service provided by MetLife. The WillsCenter.com service does not provide access to an attorney, does not provide legal advice, and may not be suitable for your specific needs. Please consult with your financial, legal, and tax advisors for advice with respect to such matters. WillsCenter.com is available to anyone regardless of affiliation with MetLife.] 3. [Included with Supplemental Life Insurance. ]Will Preparation is offered by Hyatt Legal Plans, Inc., a MetLife company, Cleveland, Ohio. In certain states, legal services benefits are provided through insurance coverage underwritten by Metropolitan Property and Casualty Insurance Company and Affiliates, Warwick, Rhode Island. For New York sitused cases, the Will Preparation service is an expanded offering that includes office consultations and telephone advice for certain other legal matters beyond Will Preparation. Tax Planning and preparation of Living Trusts are not covered by the Will Preparation Service. 4. [Included with Supplemental Life Insurance.]MetLife Estate Resolution Services are offered by Hyatt Legal Plans, Inc., a MetLife company, Cleveland, Ohio. In certain states, legal services benefits are provided through insurance coverage underwritten by Metropolitan Property and Casualty Insurance Company and Affiliates, Warwick, Rhode Island. Certain services are not covered by Estate Resolution Services, including matters in which there is a conflict of interest between the executor and any beneficiary or heir and the estate; any disputes with the group policyholder, MetLife and/or any of its affiliates; any disputes involving statutory benefits; will contests or litigation outside probate court; appeals; court costs, filing fees, recording fees, transcripts, witness fees, expenses to a third party, judgments or fines; and frivolous or unethical matters.] 5. [MetLife Infinity is offered by MetLife Consumer Services, Inc., an affiliate of Metropolitan Life Insurance Company. MetLife Infinity is available to anyone regardless of affiliation with MetLife.] * Coverage includes up to five face-to-face or telephone sessions per event. Beneficiary Grief Counseling services are provided through an agreement with LifeWorks. US Inc. LifeWorks is not an affiliate of MetLife, and the services LifeWorks provides are separate and apart from the insurance provided by MetLife. LifeWorks has a nationwide network of over 30,000 counselors. Counselors have master’s or doctoral degrees and are licensed professionals. This program is available only to beneficiaries of MetLife group Life Insurance programs. Events that may result in a loss are not covered under this program unless and until such loss has occurred. Metropolitan Life Insurance Company | 200 Park Avenue | New York, NY 10166 L0319513345[exp0321][All States][DC,GU,MP,PR,VI] © 2019 MetLife Services and Solutions, LLC [Complimentary services that may also may be included with your life insurance coverage:] • [Will Preparation 2,3:Prepare a binding will at any time] • [Estate resolution Services4: Settle an estate with confidence] • [Digital Storage5: Create and share a digital legacy®

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Settle an estate with easeSettling an estate can be a complex and lengthy process, but it doesn’t have to be. The resources and services we offer you and your beneficiaries through MetLife Legal Plans are there to help. With Supplemental Life coverage, you get expert legal guidance. Whenever you or your representative have a question about the probate process or the court representation needed, unlimited consultations with a plan attorney can leave you feeling confident with your decisions. Experts at handEstate Resolution With over 18,500 plan attorneys in network, consultations are tailored to suit you. Consultations can either be over the phone or in person, giving you peace of mind that you can talk through your options in a private and supportive environment. This is all part of your coverage, so there are no forms to fill out, but there’s always the option to use an out-of-network attorney if you’d prefer. The cost for these services are based on a set fee schedule.*Tailored guidance when it matters mostYou’ve got it coveredWe offer an array of services, all covered in your plan. Working together, we’ll find the best solutions for you or your beneficiary when settling an estate.• Unlimited one-on-one consultations to talk to an attorney about authenticating an estate.• Preparation and court representation means you receive prepared estate documents and in-court professional representation to help execute the transfer of probate assets from the estate.• Help with correspondence and tax filing needed to transfer non-probate assets.When your life insurance coverage begins, you’ll automatically have each of these services at your fingertips.

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Please be sure to review all of the features of your coverage. 1 Access to cash values through borrowing or partial surrenders will reduce the policy’s cash value and death benefit, increase thechance the policy will lapse, and may result in a tax liability if the policy terminates before the death of the insured.2 Dividends are not guaranteed. The certificate is eligible to receive dividends beginning on the second anniversary. Group Whole Life Insurance at a GlanceOur group whole life insurance provides smart, convenient protection that also helps you achieve your financial goals.CONSIDER THE ADVANTAGES:MassMutual@work Group Whole Life Insurance provides coverage at a set premium, builds cash value over time you can borrow from1 and pays a death benefit to your loved ones. Group Whole Life Insurance may be easier and more affordable than you think.Provides guarantees:• Guaranteed death benefit• Guaranteed level premiums• Guaranteed cash-value accumulationDividend eligible2 MassMutual@work whole life certificate owners are eligible to receive dividends. During enrollment, you’ll have the opportunity to select the dividend option that fits you best. Options include: • Cash• Dividend accumulations• Paid-up additional insuranceRead more about these dividend options when you enroll. While dividends are not guaranteed, MassMutual® has paid them to eligible participating policyowners every year since1869.Portable, lifelong coverageYou own the certificate along with the accumulated cash values and you can take it with you even if you leave the company. Additionally, if you leave the company and take your certificate with you, you can change your dividend option and choose to have your dividend payments reduce your premiums.Tax advantagesWhole life insurance policies offer a combination of valuable tax advantages, including: • Generally income-tax-free death benefit• Tax-deferred cash-value growthAccelerated Death Benefit ProvisionsAs the certificate owner, you can receive an advance, or acceleration, of a portion of the death benefit under the certificate, if the insured is diagnosed with a terminal illness or if the insured has a chronic illness.• Terminal Illness: The Accelerated DeathBenefit for Terminal Illness is payablewhen the insured meets the definition ofTerminally Ill, generally diagnosed withan illness that will result in death within12 months (24 months in some states.)• Chronic Illness: The Accelerated DeathBenefit for Chronic Care is payable when theinsured meets the definition of Chronically Ill, generally having a permanent loss oftwo activities of daily living, or requiringsubstantial supervision due to permanentsevere cognitive impairment.These benefits are not long term care insurance and may be used for any purpose. In many cases, these benefits allow access to more funds than would be available through a certificate loan or certificate cash surrender value. There is a fee taken from the Chronic Care Benefit. Consult with your tax advisor regarding a request for accelerated benefits.

Benefits Center Life & Disability

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