Critical Illness Insurance

Help for enrolled drivers who may face a major illness.

Critical Illness Insurance pays eligible, enrolled drivers a lump sum cash amount (up to) $20,000 to help cover expenses if they are diagnosed with a Covered Illness including a heart attack, invasive cancer, stroke, and more.¹  

The plan provides drivers with direct payments so they can use the cash benefit payment as they see fit. They can use it to cover household bills, rent, treatment costs, deductibles, and more. Benefits are paid in addition to any other insurance the driver may have. 

Covered Conditions Include²:

• Invasive Cancer
• Cardiovascular Disease
• Heart Attack
• Kidney Failure
• Major Organ Transplant or Failure
• Alzheimer’s Disease
• Stroke

A major illness must first occur on or after this benefit effective date of 8-1-2023 and you must be an eligible, Covered Driver enrolled in The Black Car Fund Drivers Benefits Program at the time of diagnosis.¹

Remember, you must be enrolled in The Black Car Fund Drivers Benefits Program to access our Critical Illness Insurance. Enroll today to receive access to this and many other valuable benefits.

Enroll Today

Already enrolled in Drivers Benefits?

Then as an eligible driver, you have immediate access to Critical Illness Insurance as of August 1st, 2023. Download our Drivers Benefits App for more information, including downloadable copies of plan certificates and claim forms.

Critical Illness Insurance Disclosures 

¹MetLife will not pay a benefit for a Covered Condition that is diagnosed prior to the coverage effective date.  In most states, there is a pre-existing condition limitation. If advice, treatment, or care was sought, recommended, prescribed, or received during the three months prior to the effective date of coverage, we will not pay benefits if the covered condition occurs during the first six months of coverage. The pre-existing condition limitation may not apply to all covered conditions and may vary by state. Refer to the Disclosure Document/Outline of Coverage for details.

²Covered Conditions - Cancer: Please review the Disclosure Document/Outline of Coverage for specific information about cancer benefits. In most states, not all types of cancer are covered. Heart attack: The Heart Attack Covered Condition pays a benefit for the occurrence of a myocardial infarction, subject to the terms of the certificate. A myocardial infarction does not include sudden cardiac arrest. Major organ transplant: In most states, we will not pay a Major Organ Transplant benefit if a covered person is placed on the organ transplant list prior to coverage taking effect and subsequently undergoes a transplant procedure for the same organ while coverage is in effect. Covered organs may vary by state; refer to the Disclosure Document/Outline of Coverage for details. In some states, the condition is Major Organ Failure. Alzheimer’s: Please review the Disclosure Document/Outline of Coverage for specific information about Alzheimer’s disease. Stroke: In certain states, the Covered Condition is Severe Stroke.

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 vary by state. There may be a preexisting condition exclusion. There may be a benefit reduction due to age provision. There may be 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 can be found in the applicable Disclosure Statement or Outline of Coverage/Disclosure Document available at time of enrollment. For complete details of coverage and availability, please refer to the group policy form GPNP07-CI or contact MetLife for more information. Benefits are underwritten by Metropolitan Life Insurance Company, New York, New York.

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. Some services in connection with the coverage may be performed by our affiliate, MetLife Services, and Solutions, LLC, or by Transaction Applications Group, Inc. a wholly-owned subsidiary of NTT Data Services, LLC. These service arrangements in no way alter Metropolitan Life Insurance Company’s obligations. Coverage will continue to be administered in accordance with Metropolitan Life Insurance Company’s policies and procedures. 

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