MiMfg October 2020 - Page 2

Expand your benefits , not your budget

Every employee is different . Now , MMA members have new Supplemental Term Life insurance options from MetLife that give employees access to the coverage they need . It ’ s employee-paid , which means you add valued coverage to your benefits program — conveniently and at group rates — at no additional out-of-pocket cost to you .
Even better , Supplemental Life comes with MetLife Advantages SM , such as an Accelerated Benefits Option1 and Will Preparation Services , 2 to help enhance benefits appreciation and improve productivity .
Add the right solutions and balance cost concerns with confidence . Contact your broker or MetLife to learn more about MetLife benefits for MMA members . Call Tracie Brown , MMA Account Executive | 248-743-4630 | tbrown9 @ metlife . com
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1 Will Preparation 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 . 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 . 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 .
2 The Accelerated Benefits Option is subject to state availability and regulation . The accelerated life insurance benefits offered under your certificate are intended to qualify for favorable federal tax treatment . If the accelerated benefits qualify for favorable tax treatment , the benefits will be excludable from your income and not subject to federal taxation . This information was written as a supplement to the marketing of life insurance products . Tax law relating to accelerated benefits are complex and limitations may apply . You are advised to consult with and rely on an independent tax advisor about your own particular circumstances . Receipt of accelerated benefits may affect your eligibility , or that of your spouse or your family , for public assistance programs such as medical assistance ( Medicaid ), Temporary Assistance to Needy Families ( TANF ), Supplementary Social Security Income ( SSI ) and drug assistance programs . You are advised to consult with social service agencies concerning the effect that receipt of accelerated benefits will have on public assistance eligibility for you , your spouse or your family .
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