We know the financial impact of the new medical, prescription and short-term disability plans will vary greatly depending on each associate’s unique situation and individual needs. To help offset the costs of certain medical expenses and loss of income associated with short-term disability, WSI partners with MetLife to offer a number of supplemental insurance plans with low weekly premiums that can help fill financial gaps where you may need extra coverage. These include:

Supplemental Accident Insurance Benefits

Accident insurance can help you get back on your feet.
An accident can happen to anyone in the family — and with it can come unexpected expenses not covered by medical insurance. You may want to consider accident insurance if:

  • You and your family have an active lifestyle
  • Your children play sports
  • Your medical plan has high deductibles or copays

Accident insurance:

  • Covers your family for a wide variety of accidental injuries, including broken bones, concussions, dislocations, and second-and third-degree burns1.
  • Provides a lump-sum payment when a covered person has medical services and treatments related to accidental injuries, such as certain doctor visits, ambulance transportation, medical testing and physical therapy1.
  • Is a valuable complement to your medical insurance.
  • Can help protect your savings from unexpected expenses, which could be substantial.
  • Provides payment directly to you, which you can use any way you see fit.

It’s easy.

  • There are no waiting periods, and with a hassle-free claims process, you have less to worry about.
  • You may have a choice of plans to fit your budget and specific needs.
  • You can also take the coverage with you if you leave the company or retire.2

Learn more about accident insurance:

If you enroll in Accident Insurance, you have a health benefit screening benefit of $50. Please use this claim form:
Health Screening Claim Form

1.Covered services/treatments must be the result of an accident or sickness as defined in the group policy/certificate. See your Disclosure Statement or Outline of Coverage/Disclosure Document for more details.
2.Eligibility for portability through the Continuation of Insurance with Premium Payment provision may be subject to certain eligibility requirements and limitations. For more information, contact your MetLife representative.

Critical Illness Insurance Benefits

Help Protect Your Family’s Finances
A critical illness in the family can be a scary and uncertain time. Critical Illness Insurance provides one lump-sum payment – paid directly to you if you are diagnosed with a covered condition. More than 20 conditions are covered, including cancer, heart attack, stroke and kidney failure.

There are three benefit options made available to you – $10,000, $20,000 and $30,000. You can choose from any one of the three options that best fits your and your family’s needs. Critical Illness payments are made directly to you, not your health care provider, so you can use the money however you want.

Learn more about Critical Illness Insurance:

If you enroll in Critical Illness, you have a health benefit screening benefit of $50. Please use this claim form:
Health Screening Claim Form

Hospital Indemnity Insurance

Protect Yourself from Expensive Hospital Stays
Hospitalization can be expensive and have a big impact on your life. Hospital indemnity insurance provides one lump-sum payment – paid directly to you – if you or family members become hospitalized. Because the payment is delivered directly to you, not your health care provider, you can use it any way you see fit.

Learn more about Hospital Indemnity Insurance: