Every 40 seconds, someone in the U.S. has a heart attack or stroke1 and someone is diagnosed with cancer every 3 minutes.2 If it happens to you, shouldn’t your primary focus be on getting well, and not worrying about how to pay for your treatment and care?
Critical Illness Insurance can help you by paying a lump sum cash benefit to help cover your out-of-pocket medical costs, including deductibles, copays, and cost-shares or pay daily living expenses such as grocery bills, mortgage payments, transportation costs, etc.
Enrollment into the plan only occurs during the initial new hire eligibility or during Ecolab’s Annual Open Enrollment period, however you may disenroll at any time. Enrollment and disenrollment are completed online via the website link below.
To use the website below, your username will be your Ecolab employee ID and the password will be the last four of your social security number and last two of birth year. For example if your social security ends xxx-xx-1234 and your birth year is 1989 your password will be 123489.
| Phone 1-877-473-9297 |
| Hours M-F 7a-8p CT |
|---|
| Email employerbenefitsinquiries.service@mercer.com |
Who is the provider?
How can this help me?
Who can enroll?
When can I enroll?
What if my employment status changes?
What serious illnesses and diseases am I covered for?
Once you’re enrolled in this coverage, you’ll collect a lump sum payment if you are diagnosed with one of the following medical conditions:
What happens if I recover and then I’m diagnosed again?
This plan pays a Recurrence Benefit for the following Covered Conditions:
A Recurrence Benefit is only available if an Initial Benefit has been paid for the Covered Condition. There is a Benefit Suspension Period between Recurrences.10
How do I see my Certificate of Insurance?
For complete plan details, talk with your company’s benefits administrator or review your plan summary.
1Medical Bankruptcy and the Economy, Updated April 30, 2021. www.thebalance.com/medical-bankruptcy-statistics-4154729. Accessed January 2022.
2(48% of those who have medical bills, 12% of adults). Kaiser Family Foundation Data Note: Americans' Challenges with Health Care Costs, December 21, 2021. https://www.kff.org/health-costs/issue-brief/data-note-americans-challenges-health-care-costs/ Accessed January 2022.
3Bankrate, How much should you have in savings at each age? May 7, 2021. Accessed January 2022. https://www.bankrate.com/retirement/how-much-do-you-need-in-savings-retirement-emergency-fund/
4Coverage is guaranteed provided: (1) the employee is actively at work and (2) any dependents to be covered are not under medical restriction as described in the Certificate. Some states require the insured to have medical coverage. Additional restrictions apply to dependents serving in the armed forces or living overseas. For CA-sitused cases, coverage is guaranteed provided” (1) the employee is performing all of the usual and customary duties of your job at the employer's place of business or at an alternate place approved by your employer; and (2) dependents are not subject to medical restrictions as set forth on the enrollment form and in the Certificate.
5Eligibility 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.
7Eligible Family Members mean all persons eligible for coverage as defined in the Certificate. Dependent Child coverage varies by state. Please contact MetLife for more information.
8The 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.
9[For 3.5 Policy: Please review the Outline of Coverage/Disclosure Document for specific information about cancer benefits. Not all types of cancer are covered. Some cancers are covered at less than the Initial Benefit Amount. For NH sitused cases and NH residents, there is an Initial Benefit of $100 for All Other Cancer.][For CI 19 Policy: Please review the certificate for specific information about cancer benefits. In most states, not all types of cancer are covered.]
10In 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. Attained Age rates will increase when a Covered Person reaches a new age band. Rates are subject to change. A more detailed description of the benefits, limitations, and exclusions applicable to MetLife’s CII product 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, GPNP09-CI, GPNP10-CI, GPNP14- CI, GPNP19-CI or contact MetLife for more information. Please 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.
L0122019037[exp0323][All States][DC,GU,MP,PR,VI]
These form(s) are in Adobe Acrobat Reader (PDF) format and are available for downloading and printing.
| Critical Illness Plan Overview |
| Critical Illness Outline of Coverage |
| Critical Illness Plan Summary |
| Critical Illness Rate Chart |
| Accessing Certificate of Insurance |