Explore your voluntary coverage options
Our voluntary benefits offer additional financial protection for you and your family. Choose from life and AD&D insurance, auto and home, pet and whole life insurance. You can enroll or change to your voluntary coverage anytime, ensuring your benefits adapt as your life and needs change.
Basic Life and AD&D insurance
Basic Life and Accidental Death and Dismemberment (AD&D) insurance is provided to all full-time (.9 to 1.0 FTE) and part-time (.5 to less than .9 FTE) employees at no cost to you.
| Group term life and AD&D | |
|---|---|
| Full-time employee | 100% of earnings* up to $500,000 |
| Part-time employee | $10,000 |
*Annual earnings exclude bonuses overtime pay or other special forms of compensation.
If you are diagnosed with a terminal medical condition, you are eligible to receive an accelerated payment of 80% of the basic life amount to a maximum of $500,000.
For additional plan documents, please visit MyHR.
Supplemental Life and AD&D insurance
Supplemental Life and Accidental Death and Dismemberment insurance, fully paid by you, offer additional financial protection for severe accidents or illnesses, ensuring your family is financially supported if you are unable to work or pass away.
| Supplemental life and AD&D | |
|---|---|
| Coverage | Available benefit |
| Option 1 | One times annual earnings* to a maximum of $600,000 |
| Option 2 | Two times annual earnings* to a maximum of $600,000 |
| Option 3 | Three times annual earnings* to a maximum of $600,000 |
| Guaranteed Issue | $500,000 maximum amount of supplemental coverage that does not require additional proof of insurability when first eligible. |
| Living Benefit Option | If the covered colleague is diagnosed with a terminal medical condition, they are eligible to receive an accelerated death benefit of 80% of their Supplemental Term Life amount to a maximum of $400,000 |
*Annual earnings exclude bonuses, overtime pay or other special forms of compensation.
You must choose supplemental term life and AD&D coverage for yourself to purchase coverage for dependents. Family members may be insured for a portion of your supplemental principal sum:
- Spouse – Up to 50% of your supplemental principal sum to a maximum of $250,000, in increments of $10,000. The guaranteed issue amount is $50,000 that does not require proof of insurability when first eligible.
- Eligible children (14 days to 6 months) – maximum of $500.
- Eligible children (6 months to 26 years) – maximum of $10,000 in increments of $5,000.
| Supplemental life and AD&D Costs | |
|---|---|
| Coverage | Cost per pay period |
| Spouse Life and AD&D $10,000 to $250,000 | $0.16 per thousand |
| Child Life and AD&D $5,000 | $0.18 |
| Child Life and AD&D $10,000 | $0.37 |
For additional plan documents, please visit MyHR.
- Initial enrollment: No proof of insurability up to guaranteed issue needed if you enroll when first eligible or after a qualified life event. Enrollment must be completed within 30 days of eligibility or a qualified event.
- Ongoing enrollment: You can apply anytime during the year, but proof of insurability will be required.
Auto and home insurance
Nebraska Medicine provides you with discounted auto and home insurance from Farmers GroupSelect. Get a free, no-obligation quote online using the link below or by calling 800.438.6381.
Pet insurance
Nebraska Medicine cares about all your dependents – even the four-legged ones. As part of your employer benefits, you can access MetLife Pet Insurance and have the option to cover multiple pets with our family plans. Get a quote or enroll today by calling 800.GET.MET8.
Whole life insurance
Protect your family with whole life insurance through Unum. This policy offers lifetime coverage with affordable premiums and guarantees that your rates won’t increase, nor will your benefits decrease. In addition to providing a death benefit, the policy builds cash value that you can access during your working years.
Discover additional voluntary coverage options
Explore a range of voluntary options to help protect you and your family from unexpected medical costs and life events.
Critical illness insurance
Get a lump sum payment to cover medical expenses or daily living costs if you’re diagnosed with a covered critical illness.
Hospital indemnity insurance
Receive cash benefits for hospital stays, surgeries or other covered medical events, giving you financial support when you need it most.
Accident insurance
Get financial protection for covered accidents, from minor injuries to more serious incidents, to help cover medical expenses and recovery costs.
Legal plans
Access MetLife’s legal services for estate planning, civil suits and more, with options for phone or in-person consultations.