Accident & Critical Illness

ICSO H&W and Gibson have partnered with MetLife to offer accident and critical illness insurance. Premiums are generally paid for by the employee via payroll deductions. These types of benefits allow employers to offer more extensive coverage and can be done without additional costs to the employer.

Why is this coverage so valuable?

  • The money can be used to pay out-of-pocket costs that medical plans don’t cover, like co-pays and deductibles.
  • Employees are guaranteed coverage without answering medical questions, as a new hire AND during subsequent open enrollment periods.
  • The cost is deducted from employee’s paychecks.
  • Employees can keep their coverage if they change jobs or retire. If they choose, MetLife will directly bill employees if no longer actively employed.
  • Benefits can be 100% employee paid. Participating employers may also choose to cover some/all of the premium.

Accident Insurance
Accident Insurance pays money directly to employees if they and/or covered dependents are accidentally injured on and off the job, playing sports, or any other accidents, covering more than 50 types of injuries, services and treatments. Employees can use this benefit to help cover expenses that health insurance doesn’t, like co-pays and deductibles. Coverage includes a range of incidents, from common injuries to more serious ones. Payable wellness benefit included. Benefit amounts are determined by the injury type. MetLife offers a low and high plan for members.

Critical Illness
Critical Illness Insurance pays money directly to employees and/or covered dependents when diagnosed with certain serious illnesses such as heart attack, stroke, cancer, coma, organ failure, and many more. Severe illnesses often have out-of-pocket expenses that medical insurance doesn’t cover. This coverage pays a lump sum if diagnosed with a covered condition. It can help employees worry less about expenses so they can focus on recovery. Annual payable health screening benefit included. Guaranteed issue, no medical questions required. Employees and eligible spouses/domestic partners can choose from $10,000, $20,000, or $30,000 in coverage. Eligible child(ren) receive 50% of the employee benefit amount provided at no additional cost.