It covers a range of injuries from broken bones to those that could have a significant impact on their lifestyle. Unfortunately, life deals unexpected turns and a bad situation can be made so much worse when the family are financially impacted too.Īccident and health protection plays a key role in the protection portfolio. Too frequently Advisers hear the phrase ‘it won’t happen to me’. Rich Horner, Head of Individual Protection at MetLife commented “if the last year has shown us anything, it’s that the unexpected can happen. There are countless insurance companies offering different packages with varying inclusions and exclusions. Workers that call in sick did admit to feeling guilty about doing so with 32% of workers worrying about their colleagues having to pick up extra work on their behalf, simply adding to their feeling of overwhelmĪccident Protection insurance is designed to provide financial support in the event of an accident which leads to serious injury or death. This can increase the risk of these employees also experiencing feelings of stress and exhaustion, leaving them vulnerable to needing extended time off from work. Having to make arrangements to cover staff calling in sick can cause additional pressure on employees that are having to pick up colleagues workloads in their absence. As a result, burnout could be costing UK businesses more than £700m a year as more than two in five (44%) admit to calling in sick due to feeling exhausted, stressed, depressed, overwhelmed and unmotivated.įor employers, these figures indicate that more than 80 million hours are being lost as a result of burnout alone. Please contact MetLife or your plan administrator for complete details.More than 10 million* workers in the UK have called in sick as a result of feeling burnt out, according to new findings from MetLife UK. Like most group benefit programs, benefit programs offered by Metropolitan Life Insurance Company (MetLife) and its affiliates contain certain exclusions, exceptions, waiting periods, reductions, limitations and terms for keeping them in force. "DHMO" is used to refer to product designs that may differ by state of residence of the enrollee, including but not limited to: "Specialized Health Care Service Plans" in California "Prepaid Limited Health Service Organizations" as described in Chapter 636 of the Florida statutes in Florida "Single Service Health Maintenance Organizations" in Texas and "Dental Plan Organizations" as described in the Dental Plan Organization Act in New Jersey. The Dental HMO/Managed Care companies are part of the MetLife family of companies. Dental HMO plan benefits are provided by: SafeGuard Health Plans, Inc., a California corporation in CA SafeGuard Health Plans, Inc., a Florida corporation in FL SafeGuard Health Plans, Inc., a Texas corporation in TX and MetLife Health Plans, Inc., a Delaware corporation and Metropolitan Life Insurance Company, a New York corporation in NJ. Group dental insurance policies featuring the Preferred Dentist Program are underwritten by Metropolitan Life Insurance Company, New York, NY (MetLife).ĭental Managed Care Plan benefits are provided by Metropolitan Life Insurance Company, a New York corporation in NY. Negotiated fees are subject to change.ģ Due to contractual limitations, MetLife is prohibited from soliciting certain dentists. Negotiated fees refers to the fees that in-network dentists have agreed to accept as payment in full for covered services, subject to any copayments, deductibles, cost sharing and benefit maximums. 1 Savings from enrolling in a dental benefits plan will depend on various factors, including the cost of the plan, how often participants visit the dentist and the cost of services rendered.Ģ Based on internal analysis by MetLife.
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