Voluntary Benefits
Life and AD&D Insurance, Accident Insurance, Critical Illness coverage, and Legal Assistance are available to you, your spouse, and your dependent children. However, employees must have coverage in order for their spouse and children to obtain coverage.
Voluntary Benefits are just that, voluntary. The costs for voluntary benefits are 100% paid by the employee.
Life and Accidental Death & Dismemberment (AD&D) Insurance
MetLife
For added protection, you can purchase voluntary life insurance for yourself, your spouse, and your child(ren) at affordable rates.
Evidence of insurability may be required for applications for coverage over the guaranteed issue amounts listed below. You may elect coverage for:
| Voluntary Term Life and AD&D | ||
|---|---|---|
| Voluntary Term Life and AD&D | ||
| Benefit Amount A combined election for both Life and AD&D will be required. |
Employee: Up to 7 times annual earnings in $10,000 increments. Maximum: $1,000,000. Spouse: Up to 100% of employee coverage amount in $5,000 increments. Maximum $250,000 1 Child(ren): Up to $25,000 in $1,000 increments.1 | |
| Guaranteed Issue Amount2 |
Employee: $200,000 with no evidence of insurability for new hires. Spouse: $50,000 with no evidence of insurability for new hires. Child(ren): $25,000 with no evidence of insurability for newly eligible. | |
| Benefit Cost | To view your personalized rates, log in to Workday or refer to the rate sheet. | |
See this video for instructions to register your MyBenefits account with MetLife.
MyBenefits Registration _ MetLife
Remember to keep your beneficiaries updated.
It is important to update your beneficiaries and make sure they are accurate periodically. Having out of date beneficiaries listed will make it difficult to pay the benefit to the correct person in case it is ever needed.
Why Do I Need Life Insurance?
Ask yourself this: In the event of my death, how would my family …
- Pay final expenses?
- Pay off debt?
- Pay for daily living expenses (housing, food, bills, etc.)?
- Replace Your Income?
- Maintain financial stability?
MetLife LifeADD and Voluntary LifeADD Summary
Video: Term Life Insurance
MetLife
Accident insurance supplements the medical plan with fixed payments for a covered accident. You can use the benefit payment as you see fit – month-to-month expenses, deductibles, child-care – anything that helps your family navigate back to health with a less stressful recovery.
Coverage Highlights
- Accident Hospital Care
- Accident General Care
- Accidental Injuries
- Accidental Death and Dismemberment
Health Screening Benefit
$100/covered member with proof of a covered health screening such as blood test for triglycerides or cholesterol, mammogram, eye or dental exam.
Here is a Benefit Payment Example
Kathy’s daughter, Molly, was riding her bike to school. On her way there she fell to the ground, was knocked unconscious, and was taken to the local emergency room by ambulance for treatment. The doctor diagnosed a concussion and broken tooth. He ordered a CT scan to check for facial fractures too, since Molly’s face was very swollen. Molly was released to her primary care doctor for follow-up treatment, and her dentist repaired her broken tooth with a crown.
| Covered Event | Benefit Payment Amount |
|---|---|
| Covered Event | Benefit Payment Amount |
| Ambulance (ground) | $300 |
| Emergency care | $150 |
| Physician Follow-up ($75 x 2) | $150 |
| Medical Testing | $150 |
| Concussion | $250 |
| Broken tooth (repaired by crown) | $250 |
| Total benefits paid by the plan | $1,250 |
This limited benefit policy supplements the medical plan with fixed payments for a covered accident. Accident Insurance pays a specified amount, on top of any health insurance benefits received for specific injuries resulting from a covered accident.
You can then use the benefit as you see fit – to meet regular month-to-month expenses, deductibles, coinsurance, child-care – anything that helps your family navigate back to health with a less stressful recovery.
In addition, there is a wellness benefit included with the accident plan. The wellness benefit pays an annual benefit per calendar year of $100 for you, your covered spouse and each covered child who completes their annual routine physical exam.
MetLife - Accident Summary
MetLife File a Acc, CI or HI Claim
MetLife File a Health Screening Benefit AI CI HI
Video: Accident Insurance
MetLife
Critical Illness insurance supplements medical insurance with an immediate lump-sum payment following a diagnosis. Unanticipated costs from a diagnosis such as a heart attack or stroke can add financial and emotional stress for you and your family.
Utilize the funds however you see fit – to meet regular expenses or pay for the out-of-pocket medical expenses from care.
Lump sum payments can be used as you see fit – to meet regular month-to-month expenses, co-pays, deductibles, child-care – anything that helps their your family navigate back to health and work with a less stressful recovery.
MetLife - Critical Illness Summary
MetLife File a Health Screening Benefit AI CI HI
MetLife File a Acc, CI or HI Claim
Video: Critical Illness Insurance
MetLife
If you are hospitalized, hospital indemnity insurance can help you take care of out-of-pocket expenses and medicalcosts beyond what your existing health insurance plan covers. This includes both planned and unplanned surgeries and childbirth, there are no-preexisting conditions on the plan.
| Coverage Highlights | #colspan | |
|---|---|---|
| Coverage Highlights | ||
| Admission | $1,000 for the day of admission | |
| ICU Supplemental Admission | $2,000 for the day of admission | |
| Confinement paid for up to 30 days per year | $100 per day | |
| ICU Supplemental Confinement paid for up to 15 days per year | $200 per day | |
Accident Plan, Hospital Indemnity and Critical Illness Health Screening Benefit
| #colspan | |
|---|---|
| Health Screening Benefit | $100/covered member with proof of a covered health screening such as blood test for triglycerides or cholesterol, mammogram, eye or dental exam. |
MetLife Hospital Indemnity Summary
MetLife Hospital Indemnity Summary - Spanish
Hospital Indemnity Get the Facts_exp0525
Hospital Indemnity Video Links
Voluntary Group Legal
Agropur offers a voluntary group legal benefit administered by LegalShield. Legal counsel is expensive. The hourly rate of an attorney can be anywhere from $110 to $350. With LegalShield, for one low monthly rate, you have access to an entire law firm.
The group legal benefit offers legal services to you, your spouse, and dependent children under 26 who have never married and are living at home or full time in college, dependent children under the age 18 for whom the participant is legal guardian and/or physically or mentally challenged children living at home.
See how you can save on common personal legal matters with LegalShield.
| Legal Need | Typical attorney cost | LegalShield cost |
|---|---|---|
| Legal Need | Typical attorney cost | LegalShield cost |
| General legal consultation (per hour) | $275 | $0 |
| Will preparation | $1,700 | $0 |
| Representation in traffic matter | $800 | $0 |
| Prepare purchase/selling agreement | $1,200 | $0 |
| Review lease/rental agreement | $800 | $0 |
| Prepare a prenuptial agreement | $2,500 | $0 |
| Total: | $7,275 | $10.62 per semi-monthly pay period |
Average cost basis for typical attorney costs reflected above are based on the state of Wisconsin. Exact costs are determined by law firms. The average hourly attorney rate is based on LegalShield Provider Law Firm’s lowest and highest hourly rates.
Learn more at benefits.legalshield.com/agropur. Once enrolled, be sure to create your LegalShield account and download the mobile app for easy use.
LegalShield Overview
