critical
  • Overview
  • Tell Me More
  • FAQs
  • Rates
  • Contacts

Recovering from a critical illness may take a financial toll on your household. In fact, out-of-pocket medical expenses such as deductibles, co-pays, uncovered prescription drugs and other non-medical expenses can add up to $6,500 for a typical family with a family member who has experienced a critical illness such as cancer, heart attack or stroke1.” MetLife Critical Illness Insurance can help take the worry out of the cost of recovery providing you with a lump-sum payment that you can spend as you choose in the event you experience a critical illness:

  • If you are actively at work, you can choose a benefit amount of $10,000, $15,000 or $20,000.
  • Provides coverage for you, your spouse/same-sex domestic partner2 and your dependent children (up to age 26)
  • Complements your medical and disability income coverage

Advantages of Critical Illness Insurance

The good news: Americans are surviving serious illnesses at increasing rates due to medical breakthroughs and earlier diagnoses.

The better news: Critical Illness Insurance can help alleviate the financial worry so they can focus on recovery.
Imagine feeling good about knowing:

  • You have extra financial protection
  • Your family has this protection too
  • You have no restriction on how you spend your benefit

The good news: If you suffer a critical illness before age 65, you have a great chance of surviving it. That's the benefit of modern medicine.

The better news: If you are protected by Critical Illness Insurance, it helps you to pay for it.

Imagine feeling good about knowing: 

  • You have financial protection
  • Your family has this protection too
  • You will be covered even if you leave Johns Hopkins University at your option
  • Worldwide coverage
  • Compliant with HSA guidelines
1 MetLife Financial Impact of a Critical Illness Study, April 2010

2 Coverage for same-sex domestic partners, civil union partners and reciprocal beneficiaries varies by state. Please contact MetLife for more information.

 

DISCLAIMER: These are voluntary benefit plans that Johns Hopkins University makes available to its employees through Mercer Voluntary Benefits. Johns Hopkins University does not contribute to any policy or service offered under the program. For those offerings that involve individual policies, Johns Hopkins University's responsibilities are limited to coordinating payroll deductions for premium payment and your contract for coverage will be with each insurance company or plan provider. For those offerings that involve group coverage, Johns Hopkins University's responsibilities are governed pursuant to the appropriate Master Policy provisions. You are under no obligation to purchase any of the voluntary policies or services offered through this site; you are also free to explore other options including purchase of policies or services directly from an insurance company or provider.

MetLife Critical Illness Insurance (CII) is a limited group 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 vary by state. In most states, there is a 30 to 90 day waiting period after the effective date of coverage and a preexisting condition exclusion. In some states there is a benefit suspension period between covered conditions in different categories or a limit on the total benefit payments per calendar year. A more detailed description of the benefits, limitations, and exclusions applicable to you can be found in the Disclosure Statement  or Outline of Coverage/Disclosure Document. Please contact MetLife for more information.
Metropolitan Life Insurance Company, New York, NY 10166

As a MetLife Critical Illness Insurance certificate holder, if a Covered Family Member is diagnosed with one of the covered medical conditions and meet all the group policy and certificate requirements, you will receive a lump-sum benefit payment to use as you see fit. The payment amount depends on the illness you experience. You choose an Initial Benefit Amount of $10,000, $15,000 or $20,000.

Covered Conditions:

MetLife Critical Illness Insurance will pay 100% of the Initial Benefit Amount for the first occurrence.  A 50% recurrence benefit may be available.

  • Full Benefit Cancer1
  • Partial Benefit Cancer1,2
  • Heart Attack
  • Stroke3
  • Coronary Artery Bypass Graft
  • Kidney Failure
  • Alzheimer’s Disease4

Listed Conditions:

MetLife Critical Illness Insurance will pay 25% of the Initial Benefit Amount for each of the 22 Listed Conditions until the Total Benefit Amount is reached. A Covered Person5 may only receive one payment for each Listed Condition in his/her lifetime:

  • Addison’s disease
  • ALS (Lou Gehrig’s disease)
  • Cerebrospinal meningitis (bacterial)
  • Cerebral palsy
  • Cystic fibrosis
  • Diphtheria
  • Encephalitis
  • Huntington’s disease
  • Legionnaire’s disease
  • Malaria
  • Multiple Sclerosis
  • Muscular Dystrophy
  • Myasthenia Gravis
  • Necrotizing Fasciitis
  • Osteomyelitis
  • Poliomyelitis
  • Rabies
  • Sickle Cell anemia (excluding sickle cell trait)
  • Systemic Lupus erythematosus (SLE)
  • Systemic Sclerosis (scleroderma)
  • Tetanus
  • Tuberculosis

Major Organ Transplant

You will receive an additional lump sum payment of 100% of your Initial Benefit Amount for Major Organ Transplant which represents both Heart and Bone Marrow transplants. This coverage would be in addition to the Total Benefit Amount payable for the previously mentioned Covered Conditions.

How does MetLife Critical Illness Insurance work?

If you are diagnosed with one of the Covered Conditions and meet all the group certificate requirements, you will receive an Initial Benefit equal to 100% of the Selected Benefit Amount for the Covered Condition.

  • Under this plan, you can also receive a Recurrence Benefit6equal to 50% of the Initial Benefit if you are diagnosed with another occurrence of certain Covered Conditions and MetLife has already paid the Initial Benefit for that Covered Condition.

  • Initial Benefits and Recurrence Benefits will be paid until the Total Benefit Amount has been reached. Your Total Benefit Amount is 300% of the initial benefit amount you elected.

  • There is no waiting period required for this coverage.

When am I eligible to enroll in Critical Illness Insurance?

You are eligible to enroll for Critical Illness Insurance during your first 30 days as a newly hired employee, during the annual enrollment, or if you experience a qualifying life event (ex. marriage, divorce, or birth of a child).

Your rate is determined by your age at the date of enrollment.
If you leave Johns Hopkins University, you may keep your coverage without having to answer any new health questions.

Health Screening Benefit

After your coverage has been in effect for 12 months, MetLife will pay a health screening benefit of $100. MetLife will pay only one health screening benefit per covered person per calendar year. For a complete list of eligible screening/prevention measures, please reference your certificate.

Disclosure Statement

1 Please review the Outline of Coverage/Disclosure Document for specific information about cancer benefits.

2 MetLife Critical Illness Insurance will pay 25%of the Initial Benefit Amount for Partial Benefits Cancer.

3 In certain states, the covered condition is severe stroke

4 Please review the Disclosure Statement for specific information about Alzheimer's Disease.

5 Covered Family Members means all Covered Persons as defined in the Certificate.

6 There is a Benefit Suspension Period between Recurrences of the same Covered Condition. The length of the Benefit Suspension Period varies by state. We will not pay a Recurrence Benefit for a Covered Condition that Recurs during a Benefit Suspension Period. We will not pay a Recurrence Benefit for either a Full Benefit Cancer or a Partial Benefit Cancer unless the Covered Person has not had symptoms of or been treated for the Full Benefit Cancer or Partial Benefit Cancer for which we paid an Initial Benefit during the Benefit Suspension Period. A Recurrence Benefit is available for the following conditions: Heart Attack, Stroke, Coronary Artery Bypass Graft, Full Benefit Cancer and Partial Benefit Cancer.

7 Please review the Disclosure Statement for specific information about MetLife's Critical Illness Insurance Rates.

MetLife Critical Illness Insurance (CII) is a limited group 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 vary by state. In most states, there is a preexisting condition exclusion. There is a Benefit Suspension Period between Recurrences of the same Covered Condition. A more detailed description of the benefits, limitations, and exclusions applicable to you can be found in the Disclosure Statement or Outline of Coverage/Disclosure Document available at time of enrollment. Please contact MetLife for more information.
MetLife's Critical Illness Insurance is not intended to be a substitute for Medical Coverage providing benefits for medical treatment, including hospital, surgical and medical expenses. MetLife's Critical Illness Insurance does not provide reimbursement for such expenses.

 

DISCLAIMER: These are voluntary benefit plans that Johns Hopkins University makes available to its employees through Mercer Voluntary Benefits. Johns Hopkins University does not contribute to any policy or service offered under the program. For those offerings that involve individual policies, Johns Hopkins University's responsibilities are limited to coordinating payroll deductions for premium payment and your contract for coverage will be with each insurance company or plan provider. For those offerings that involve group coverage, Johns Hopkins University's responsibilities are governed pursuant to the appropriate Master Policy provisions. You are under no obligation to purchase any of the voluntary policies or services offered through this site; you are also free to explore other options including purchase of policies or services directly from an insurance company or provider.

MetLife Critical Illness Insurance (CII) is a limited group 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 vary by state. In most states, there is a 30 to 90 day waiting period after the effective date of coverage and a preexisting condition exclusion. In some states there is a benefit suspension period between covered conditions in different categories or a limit on the total benefit payments per calendar year. A more detailed description of the benefits, limitations, and exclusions applicable to you can be found in the Disclosure Statement  or Outline of Coverage/Disclosure Document. Please contact MetLife for more information.
Metropolitan Life Insurance Company, New York, NY 10166

Answers about the plan, including eligibility, options, enrollment, customer service and more.

Living with a critical illness may affect your financial security and that of your family.  Despite having good medical insurance, there are still expenses associated with a critical illness that many medical plans are not designed to pay.  Think about such expenses as co-pays, deductibles, out-of-network treatments, prescription drug co-pays, childcare, mortgage, and utility payments.  MetLife Critical Illness Insurance can help keep your finances on track if you experience a covered condition.
Yes, MetLife Critical Illness Insurance provides coverage for conditions that occur after the Certificate Effective Date. If you are diagnosed with a covered condition and meet the policy and certificate requirements, you will receive a lump sum benefit payment.
Any employee who is actively at work, along with their spouse/same-sex domestic partner and dependent child(ren), may apply for MetLife Critical Illness Insurance coverage.

You are eligible to enroll for Critical Illness Insurance during your first 30 days as a newly hired employee, during annual enrollment, or if you experience a qualifying life event (ex. marriage, divorce, or birth of a child).
Employees have 30 days from the date they are hired to enroll.  If an employee does not enroll within this 30-day period, they will have to wait until the next annual enrollment period to elect coverage.
Premiums for MetLife Critical Illness Insurance will be paid post-tax through payroll deductions.
Yes. When MetLife receives a notification that you are no longer with the company, they will send the you a Continuation of Coverage Package, including a request form, for you to complete to continue the coverage.
MetLife Critical Illness Insurance does not replace your current medical insurance.In fact, you do not need to have medical insurance in place to apply for this coverage.
Provided you are actively at work, you can enroll without any medical questions anytime during the Johns Hopkins University annual enrollment period in the fall and/or during your new hire enrollment period (i.e. within 30 days of Date of Hire).  You will not be subject to any evidence of insurability.  This is a limited-time opportunity to enroll for coverage without any medical questions.

 

DISCLAIMER: These are voluntary benefit plans that Johns Hopkins University makes available to its employees through Mercer Voluntary Benefits. Johns Hopkins University does not contribute to any policy or service offered under the program. For those offerings that involve individual policies, Johns Hopkins University's responsibilities are limited to coordinating payroll deductions for premium payment and your contract for coverage will be with each insurance company or plan provider. For those offerings that involve group coverage, Johns Hopkins University's responsibilities are governed pursuant to the appropriate Master Policy provisions. You are under no obligation to purchase any of the voluntary policies or services offered through this site; you are also free to explore other options including purchase of policies or services directly from an insurance company or provider.

MetLife Critical Illness Insurance (CII) is a limited group 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 vary by state. In most states, there is a 30 to 90 day waiting period after the effective date of coverage and a preexisting condition exclusion. In some states there is a benefit suspension period between covered conditions in different categories or a limit on the total benefit payments per calendar year. A more detailed description of the benefits, limitations, and exclusions applicable to you can be found in the Disclosure Statement  or Outline of Coverage/Disclosure Document. Please contact MetLife for more information.
Metropolitan Life Insurance Company, New York, NY 10166

Critical Illness Rates:

Click here to see rates7 for Critical Illness Insurance offered through MetLife.

 

DISCLAIMER: These are voluntary benefit plans that Johns Hopkins University makes available to its employees through Mercer Voluntary Benefits. Johns Hopkins University does not contribute to any policy or service offered under the program. For those offerings that involve individual policies, Johns Hopkins University's responsibilities are limited to coordinating payroll deductions for premium payment and your contract for coverage will be with each insurance company or plan provider. For those offerings that involve group coverage, Johns Hopkins University's responsibilities are governed pursuant to the appropriate Master Policy provisions. You are under no obligation to purchase any of the voluntary policies or services offered through this site; you are also free to explore other options including purchase of policies or services directly from an insurance company or provider.

MetLife Critical Illness Insurance (CII) is a limited group 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 vary by state. In most states, there is a 30 to 90 day waiting period after the effective date of coverage and a preexisting condition exclusion. In some states there is a benefit suspension period between covered conditions in different categories or a limit on the total benefit payments per calendar year. A more detailed description of the benefits, limitations, and exclusions applicable to you can be found in the Disclosure Statement  or Outline of Coverage/Disclosure Document. Please contact MetLife for more information.
Metropolitan Life Insurance Company, New York, NY 10166

We're here to help! Please contact us in whatever manner is most convenient for you.

Mercer Voluntary Benefits
12421 Meredith Drive
Urbandale, IA 50398
Phone: 1-866-795-9362
8:00 a.m. to 6:00 p.m. Eastern, M-F
Email: EmployerBenefitsInquiries.Service@Mercer.com

 

DISCLAIMER: These are voluntary benefit plans that Johns Hopkins University makes available to its employees through Mercer Voluntary Benefits. Johns Hopkins University does not contribute to any policy or service offered under the program. For those offerings that involve individual policies, Johns Hopkins University's responsibilities are limited to coordinating payroll deductions for premium payment and your contract for coverage will be with each insurance company or plan provider. For those offerings that involve group coverage, Johns Hopkins University's responsibilities are governed pursuant to the appropriate Master Policy provisions. You are under no obligation to purchase any of the voluntary policies or services offered through this site; you are also free to explore other options including purchase of policies or services directly from an insurance company or provider.

MetLife Critical Illness Insurance (CII) is a limited group 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 vary by state. In most states, there is a 30 to 90 day waiting period after the effective date of coverage and a preexisting condition exclusion. In some states there is a benefit suspension period between covered conditions in different categories or a limit on the total benefit payments per calendar year. A more detailed description of the benefits, limitations, and exclusions applicable to you can be found in the Disclosure Statement  or Outline of Coverage/Disclosure Document. Please contact MetLife for more information.
Metropolitan Life Insurance Company, New York, NY 10166

Enroll Now

Newly Hired Employees in their first 30 days of employment click here:

Enroll Now
Our Role and Compensation

Details of Mercer disclosure of the compensation.

Read More