Helps you alleviate the expenses that come with a covered critical illness.
Please note: If you have previously registered on this site using your BNY Mellon email address, you may need to re-register using your BNY email address. Please call 1-866-250-4510 if you need assistance resetting your account.
Who is the provider?
MetLife
MetLife is a market leader for the portfolio of coverage options they offer and has been in business for over 136 years. They serve over 24,000 Group Life customers, helping more than 23 million people enjoy an improved sense of financial security.
When is a benefit paid under the policy?
Who in my family is eligible for this insurance?
Members of your family who are considered eligible to enroll for this insurance include:
You must be enrolled in coverage for members of your family to also enroll.
How much does this insurance cost?
BNY - MetLife Critical Illness Insurance Semi-Monthly Premiums
To calculate your semi-monthly premium, multiply the above semi-monthly rates per $1,000 based on your tobacco use status, age, and coverage tier by the benefit amount you want divided by $1,000 (e.g., 10 for $10,000 of coverage).
Employee, Non-Tobacco Semi-Monthly Premiums
Age | Rate |
18-24 | $0.150 |
25-29 | $0.165 |
30-34 | $0.190 |
35-39 | $0.235 |
40-44 | $0.295 |
45-49 | $0.390 |
50-54 | $0.520 |
55-59 | $0.705 |
60-64 | $0.920 |
65-69 | $1.150 |
70-74 | $1.485 |
75+ | $2.015 |
Employee + Spouse, Non-Tobacco Semi-Monthly Premiums
Age | Rate |
18-24 | $0.260 |
25-29 | $0.280 |
30-34 | $0.310 |
35-39 | $0.380 |
40-44 | $0.480 |
45-49 | $0.615 |
50-54 | $0.805 |
55-59 | $1.075 |
60-64 | $1.390 |
65-69 | $1.730 |
70-74 | $2.225 |
75+ | $3.025 |
Employee + Child, Non-Tobacco Semi-Monthly Premiums
Age | Rate |
18-24 | $0.260 |
25-29 | $0.275 |
30-34 | $0.295 |
35-39 | $0.340 |
40-44 | $0.405 |
45-49 | $0.500 |
50-54 | $0.630 |
55-59 | $0.810 |
60-64 | $1.025 |
65-69 | $1.255 |
70-74 | $1.595 |
75+ | $2.125 |
Family, Non-Tobacco Semi-Monthly Premiums
Age | Rate |
18-24 | $0.365 |
25-29 | $0.385 |
30-34 | $0.420 |
35-39 | $0.490 |
40-44 | $0.585 |
45-49 | $0.725 |
50-54 | $0.920 |
55-59 | $1.185 |
60-64 | $1.495 |
65-69 | $1.840 |
70-74 | $2.340 |
75+ | $2.130 |
Employee, Tobacco Semi-Monthly Premiums
Age | Rates |
18-24 | $0.175 |
25-29 | $0.200 |
30-34 | $0.240 |
35-39 | $0.330 |
40-44 | $0.450 |
45-49 | $0.620 |
50-54 | $0.860 |
55-59 | $1.200 |
60-64 | $1.580 |
65-69 | $1.985 |
70-74 | $2.575 |
75+ | $3.425 |
Employee + Spouse, Tobacco Semi-Monthly Premiums
Age | Rates |
18-24 | $0.290 |
25-29 | $0.325 |
30-34 | $0.385 |
35-39 | $0.530 |
40-44 | $0.710 |
45-49 | $0.965 |
50-54 | $1.315 |
55-59 | $1.815 |
60-64 | $2.370 |
65-69 | $2.970 |
70-74 | $3.840 |
75+ | $5.115 |
Employee + Child, Tobacco Semi-Monthly Premiums
Age | Rate |
18-24 | $0.285 |
25-29 | $0.305 |
30-34 | $0.345 |
35-39 | $0.440 |
40-44 | $0.555 |
45-49 | $0.730 |
50-54 | $0.970 |
55-59 | $1.305 |
60-64 | $1.690 |
65-69 | $2.100 |
70-74 | $2.680 |
75+ | $3.530 |
Family, Tobacco Semi-Monthly Premiums
Age | Rate |
18-24 | $0.400 |
25-29 | $0.435 |
30-34 | $0.495 |
35-39 | $0.635 |
40-44 | $0.815 |
45-49 | $1.070 |
50-54 | $1.425 |
55-59 | $1.925 |
60-64 | $2.475 |
65-69 | $3.080 |
70-74 | $3.950 |
75+ | $5.220 |
How do I file a claim?
Do I have to answer health questions or take a medical exam?
What if my employment status changes?
When would my insurance start?
For annual enrollment, coverage is effective on the date shown on the Certificate after the application is received and approved. You must be actively at work on the coverage effective date.
For new hires and qualifying life events, coverage is effective the first of the month following the enrollment form approval date, provided the eligibility requirements are met.
Am I really free to use the payment any way I choose?
How do I cancel my policy?
Act now to put Critical Illness Insurance in place to help offset expenses that may not be covered by other insurance.
Please note: If you have previously registered on this site using your BNY Mellon email address, you may need to re-register using your BNY email address. Please call 1-866-250-4510 if you need assistance resetting your account.
Legal Disclaimers
1Coverage is guaranteed provided (1) the employee is actively at work and (2) dependents to be covered are not subject to medical restrictions as set forth on the enrollment form and in the Certificate. Some states require the insured to have medical coverage.
2Eligible Family Members means all persons eligible for coverage as defined in the Certificate.
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 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.
Metropolitan Life Insurance Company | 200 Park Avenue | New York, NY 10166
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