Critical Illness Insurance

What Do I Need to Know to Enroll?

Decide if you'd like to participate in the Critical Illness insurance and at what coverage level.

Enter your choice during your benefits enrollment event.

Designed as a complement to medical and disability income coverage, Critical Illness Insurance through MetLife pays a lump-sum benefit if you experience one of the covered conditions.

This optional benefit is employee paid and the cost will automatically be deducted from your paycheck.

You are eligible to participate in Critical Illness Insurance if you are actively working at least 20 hours per week at NortonLifelock.

If both you and your spouse/domestic partner work for NortonLifelock, you may each have up to one Critical Illness Insurance policy. This means that one of you may elect Critical Illness Insurance for both of you, or you may each elect to cover only yourself. Additionally, only one of you may elect Child Critical Illness insurance for the same child/children.

Enrollment

You can elect coverage when you complete your benefits enrollment as a new hire or during Open Enrollment via benefitsolver.com (or through Benefitsolver on MyApps).

Plan Details

If you experience one of the covered conditions within any category you will receive a lump-sum benefit payment to use as you see fit, provided you meet all the group policy and certificate requirements. This payment can be used on anything from co-pays and deductibles to mortgage payments and child care. You may receive more than one payment, depending on your covered conditions.

Insured	Coverage Options
Employee	Category Benefit Amount of $10,000
Spouse/Domestic Partner	$10,000 as long as the employee applied for coverage
Dependent Children	$10,000 per dependent child as long as the employee applied for coverage.

Metlife Critical Illness Insurance Plan Summary (pdf)

Covered Conditions

Category 1 (incorporates all cancer-related conditions)

Full Benefit Cancer
Partial Benefit Cancer
Bone Marrow Transplant

Category 2 (incorporates all heart-related conditions)

Heart Attack
Heart Transplant
Stroke+
Coronary Artery Bypass Graft

Category 3 (incorporates all other covered conditions)

Major Organ Transplant (other than bone marrow and heart)
Kidney Failure

Critical Illness Example

The following example shows you the payment you could receive if you purchased a $10,000 category benefit amount where all group policy and certificate requirements for coverage have been met:

You are diagnosed as having lung cancer.

MetLife would pay 100% of the category benefit amount = $10,000.This would close Category 1 (cancer-related conditions) and you would not receive any further payment under this policy if you have another cancer-related condition. You are still eligible for benefits for covered conditions in Categories 2 and 3.

Two years later, you have a coronary artery bypass graft.

MetLife would pay 25% of the category benefit amount = $2,500.You would still have 75% of the category benefit amount available if you experience another covered condition within Category 2 (heart related conditions).

Then, the following year, you suffer a debilitating stroke.

MetLife would pay the remainder of the category benefit amount for Category 2 -- 75% of $10,000 = $7,500.This would close Category 2 (heart-related conditions) and you would not receive any further payments under this policy if you have another heart-related condition. You are still eligible for benefits for covered conditions in Category 3 (other conditions).

Three years later, you have kidney failure.

MetLife would pay 100% of the category benefit amount = $10,000.This would close Category 3 (other conditions). Since you have exhausted 100% of the category benefit amounts in each of the three categories, the coverage will be terminated.

The above example illustrates that during the life of the Critical Illness Insurance certificate with a category benefit amount of $10,000, it is possible to receive a total of $30,000. This is the maximum amount that you could receive under a certificate with a $10,000 category benefit amount.

Monthly Rate per $10,000 of Coverage

Issue Age	Employee	Spouse
< 25	$1.10	$1.20
25 - 29	$1.20	$1.40
30 - 34	$2.30	$2.30
35 - 39	$4.20	$4.70
40 - 44	$7.10	$8.40
45 - 49	$11.80	$12.70
50 - 54	$19.50	$20.20
55 - 59	$30.30	$28.60
60 - 64	$46.20	$40.20
65 - 69	$69.40	$57.20
70+	$96.30	$79.60

Calculating Your Monthly Rate

Please calculate your age as of 12/31 this year. Rates are based on five-year age bands and will increase when a covered person reaches a new age band. Rates are also subject to change. Be sure to read the Disclosure document (pdf) for details.

If you have any further questions, call 1 800 GET-MET 8 (1-800-438-6388) to speak with a MetLife customer Service Representative (Monday through Friday 8 am -6 pm, Eastern Time).