Archive for the ‘MetLife’ Category

MetLife – Unlocking Growth with Legal Benefits

In today’s benefits environment, employers are looking for ways to support their employees’ financial and emotional well-being. MetLife Legal Plans can help your clients address this challenge.

With MetLife Legal Plans Your Groups Will Get:

• Unique differentiators such as:
  – No partial coverage for most matters.
  – No time limits on how long a legal matter can take.
  – No requirements to work with certain attorneys.
• The largest network of experienced attorneys available in person, by phone, or through digital tools.
• Access to:
  – Attorney reviews to make informed choices.
  – Digital estate planning.
  – Legal advice on the go with an e-panel of attorneys to answer questions.
• Competitive and flexible plan options:
  – Divorce and reproductive assistance.
  – Credit monitoring.
  – Coverage for employees’ parents.
  – Full coverage for most matters. From the initial consultation to trial there are no additional fees.
• Easy-to-use benefits with no copays, deductibles, or claim forms, including:
  – Estate planning to real estate.
  – Identity theft.
  – Family law.

MetLife Legal Plans provide affordable and convenient legal services that add value — enhancing the competitiveness of the group’s benefits program, help recruit and retain talent, support employees’ financial and emotional well-being, and increase productivity.

When you place the MetLife application (for groups with 10-99 employees) through Claremont, your group can get a 5% discount on dental rates with just one employee enrolling in MetLaw. Some employers even pay for the MetLaw subscription for key employees in order to gain the 5% dental savings.

Learn more about the unique features offered by MetLife Legal Plans and how they’ll benefit you and your clients.

Questions? 
Contact your Claremont team at 800.696.4543 or info@claremontcompanies.com.

MetLife 2021 Employee Benefit Trends Report

One year into the pandemic, employers are just now understanding its long-term effects. Business models have shifted to meet market needs and the effects have pushed employees into placing more value on protection, safety, preparedness, and their own well-being.

Businesses need resilient employees who can endure the pandemic’s lasting stress and adapt to a changing workplace. To help employees become more resilient, employers are recognizing they need to create a holistic employee experience that addresses workers’ changing priorities regarding safety, mental health, and more.

MetLife’s report, Redesigning The Employee Experience: Preparing The Workforce For a Transformed Experience, provides insights from their 19th annual U.S. Employee Benefit Trends Study 2021 to help you tailor your strategies to guide businesses toward the right path to recover and thrive in 2021 and beyond.

Inside the Report, You’ll Learn:

• One year later: the five trends impacting the workplace.
• Driving resilience through the employee experience.
• The increased value of employee benefits.

Key Findings:

• Employers should address financial and mental well-being in parallel.
  – Financial health is a top concern among employees and a top contributor to poor mental health.
  – Productivity goes down with increased financial and mental stress.
  – When employers offer support for a wide range of needs – such as retirement plans, employee benefits, and other assistance programs, they’re dually addressing employee wellness while driving business outcomes.
• Employers are evolving their benefits approach to meet the changing needs of employees, build employee resilience, and support worker well-being.
  – Employers are changing the range and customization of benefits, improving communications, and offering more added value programs.
• Workplace resilience is strongly linked to employee productivity and well-being. It helps workers confront changes, unknowns, and stressors in their new work environment. Resilience needs to be nurtured across three interconnected pillars: self-care, culture, and support.
  – Self-Care: employers can offer access to nutrition counseling, gym memberships, EAPs, and other benefits to build employee optimism and positivity.
  – Culture: employers can create a welcoming environment and invest in managerial training to promote employee support and recognition.
  – Support: employers can put an infrastructure in place that expands benefits and other employee programs to provide workplace tools and resources.
• What successful employers are doing right:
  – Helping employees manage work and life.
  – Communicating often, transparently, and empathetically.
  – Building a benefits package that addresses evolving needs.

Download the MetLife Report for insights, guidance, and expertise to share with your clients and prospects. Contact us today to develop tailored benefits solutions that address your clients’ needs.

Download The MetLife Report

Questions? Need a Quote?
Contact your Claremont team at 800.696.4543 or info@claremontcompanies.com.

MetLife Pet Insurance Discount Program

Help your clients add value to their benefits program by offering employees coverage for their furry family members.

Keeping pets healthy and happy is a top priority. But even one unexpected trip to the vet can wreak havoc on an employee’s personal finances. And when a pet is ill or injured it can be stressful and distracting.

The long-term cost of caring for a pet will vary, but medical bills are inevitable. Finding the right pet insurance policy can help employees balance taking care of their furry family members with their own financial well-being.

With MetLife Pet Insurance coverage for dogs and cats, pet parents get reimbursed for covered unexpected expenses, so they can stay focused and productive at work.

Features Include:

• Flexible products with straightforward pricing and options, customizable limits, and deductible savings. (Deductible automatically decreases by $25 each policy year that you don’t receive a claim reimbursement.)
• Quick 3-step enrollment and hassle-free claims experience with 80% of claims processed within 10 days or less.
• MetLife works directly with the participant for enrollment, servicing, and billing.
• Integrated service and administration across MetLife benefits.
• 5% discount for employers with 51-199 employees, that have a MetLife group life, dental, vision, liability, or legal plans product.

How it Works:

Pet insurance is automatically added to new business and at the anniversary or renewal to clients (51-99 employees) with MetLife core coverage starting with March 1, 2021 business.

To learn more about this exciting value-add discount program, download the flyer and visit MetLife.

MetLife Pet Insurance

Why Pet Insurance Matters

• 73% of Millennial pet parents would go into debt to provide for their pet’s well-being.
• 62% of Millennial pet parents would put their pet’s health before their own.
• 58% of employees would choose a pet-friendly employer over an employer who is not.

Download the MetLife Pet Insurance Value Story flyer to learn more.

MetLife’s broad range of products and service solutions help provide income protection, maximize productivity, and minimize administration for employers of all sizes. Help your clients stand out from the competition with a more attractive benefits package.

Start quoting MetLife today.

Questions?
Contact your Claremont team at 800.696.4543 or info@claremontcompanies.com.

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MetLife – Disability Insurance Essentials

When employees are unable to work due to an injury or illness, they may face unexpected financial strains – disability insurance can help replace lost income and cover essential living expenses. For various reasons, young people especially don’t expect health problems will prevent them from working. Yet, regardless of age, disability insurance can prevent an accident or ailment from becoming a financial catastrophe.

In fact, a majority of employees, 70%, agree that having enough money to pay their bills if someone in their household is no longer able to work is important, according to MetLife’s 13th annual U.S. Employee Benefit Trends Study.

Why Disability Insurance is Essential

• Just over 1 in 4 of today’s 20 year-olds may become disabled before reaching age 67.
• 35.5% of the population with disabilities is between the ages of 18 and 64.
• The majority of long-term absences are due to cancer, heart disease, and other illnesses.
• A good rule of thumb is to protect 60-80% of after-tax income to meet short and long term financial responsibilities.

In addition to offering a safety net if an accident or illness keeps employees from working, disability insurance can also help attract and retain valuable employees while simultaneously reducing turnover and improving your client’s bottom line.

To provide guidance and answers to common disability insurance questions, download the ’10 Simple Tips: The Essentials of Disability Insurance’ flyer and visit MetLife.

10 Simple Tips: The Essentials of Disability Insurance

MetLife’s broad range of products and service solutions help provide income protection, maximize productivity, and minimize administration for employers of all sizes.

Start quoting MetLife today.

Questions?
Contact your Claremont team at 800.696.4543 or info@claremontcompanies.com.

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Your success is important to us, and we’re actively working on new solutions to support you throughout the year. To get the latest news via text messaging in the future, simply provide your cell phone number here.

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MetLife Extends Dental & Vision Renewal Rate Pass to May 31, 2021

To help small businesses (groups with 99 or fewer employees) who may be facing challenges as a result of the COVID-19 pandemic, MetLife will hold rates (no rate increase) for dental and vision renewals with effective dates commencing on or before May 31, 2021.*

Visit MetLife’s website for updates, resources, benefit coverage, and answers to common questions regarding COVID-19.

*Excludes cases written through a Trust, Association, or PEO. Life and disability coverage are still subject to review and potential rate increases.

Questions?
Contact your Claremont team at 800.696.4543 or info@claremontcompanies.com.

Get The Latest News with Text Messaging!

Your success is important to us, and we’re actively working on new solutions to support you throughout the year. To get the latest news via text messaging in the future, simply provide your cell phone number here.

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MetLife Q4-2020 Small Business Index

MetLife recently released its Q4-2020 MetLife & U.S. Chamber of Commerce Small Business Index.

Highlights Include:

• The view of the national economy continues to slowly improve. 29% of small businesses describe the U.S. economy as good, up seven points from September.
• Views of local economies remain steady with 32% of small businesses rating their local economy as in good health, similar to last quarter’s 28%.
• A majority (56%) of small business owners continue to believe it will take six months to a year for the small business climate to return to normal, a number that has remained statistically unchanged since late May.
• Most small businesses are reporting steady cash flow.
• 52% of small businesses anticipate an increase in their future revenues.
• 52% of small businesses still anticipate retaining the same size staff.
• Manufacturers and services anticipate better revenues. A majority (52%) anticipate revenue increases one year from now.
• Employers are concerned about employee mental health, morale, and well-being.

Read the full report to learn more.

Get The Full Report

Questions?
Contact your Claremont team at 800.696.4543 or info@claremontcompanies.com.

MetLife – The Value of Dental Provider Networks

What makes a dental network great?

Employees rank dental coverage as one of their top five must-have benefits¹. But providing a quality dental plan requires more than simply looking at the size of the network. A strong dental provider network can increase satisfaction and savings for important and visible benefits.

The value of a dental network is not just about the number of providers. It’s also about:

• Discounts and Utilization Rates
  MetLife’s discounts average 30% to 45% below community average charges². And, with its high in-network utilization of 67% nationally³, it’s clear MetLife is offering deep discounts on the dentists that employees are seeing most often.
• Provider Quality
  A network is only as good as the quality of the dentists who participate. That’s why the vetting, education, and monitoring of network providers is essential to ensuring a stable network that helps provide employees with access to appropriate and consistent care. After extensive reviews to analyze the licensing, sanctions, malpractice history, and overall practice patterns of each provider,  MetLife typically rejects around 9% of provider applications upfront, higher than the industry average⁴. 
• Cost Protections
  Comprehensive cost protections help prevent dentists from inappropriately billing patients for dental services at the point of claim, which helps prevent the erosion of discounts and value. MetLife’s network providers are held to a discounted fee schedule so there are no unexpected costs, even if a plan participant exceeds the annual maximum benefit and frequency and age limitations.⁵

The combination of network size, discounts, quality, and cost protections gives a dental network the power to drive satisfaction and savings for both employers and employees. Help your clients understand the true value of provider networks by delivering the right dental plan – and network – to their employees. To learn more, download the MetLife flyer and visit MetLife’s website.

Start quoting MetLife dental today.

Questions?
Contact your Claremont team at 800.696.4543 or info@claremontcompanies.com.

¹MetLife Employee Benefits Trends Study, 2020.
²Based on MetLife internal data.
³Dental Actuarial Analytics, Dental PPO Network Study, 2018 edition.
⁴Ruark Consulting Dental PPO Network Study,2018 edition.

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MetLife – The Pandemic Piques Interest in Disability Insurance

The Increasing Value of Disability Coverage

The COVID-19 pandemic not only increased employees’ concerns about their health and finances—it also highlighted some distinct vulnerabilities. MetLife’s research revealed that during the crisis, one in three employees felt like they didn’t have enough disability coverage to protect themselves or their families if they were unable to work due to short-term or long-term illness or injury.¹

What’s more, these burdens can have an adverse effect on employee productivity and work performance. Fortunately, there are ways employers can help support their employees with disability coverage now and ease some of their concerns going forward.

By providing employees with a range of absence, family and medical leave programs, employees can choose the type and level of protection that works best for them. Disability coverage empowers employees to protect their income, even when they can’t predict the future.

Recognizing the value of disability coverage is important. But, so too, is working with a provider that ensures employees will experience that value when they need it the most. Ensure your clients understand the benefits of providing access to such coverage. And educate them on how MetLife can help.

MetLife provides:

• A broad suite of short- and long-term disability options including voluntary and employer-paid plans, along with return-to-work incentives.
• Exceptional service with access to dedicated claims specialists and end-to-end support for employers and employees.
• Proven expertise with more than 60 years of disability coverage experience.

Help your employers meet the growing demand for disability benefits and give them the tools they need to answer their employees’ disability coverage concerns. Download the flyer to learn more about MetLife’s disability offerings and why disability insurance is more valuable than ever.

Download The MetLife Flyer

Contact us today to develop tailored benefits solutions that address your clients’ unique needs.

¹MetLife 2020 Employee Benefits Trend Study

Questions?
Contact your Claremont team at 800.696.4543 or info@claremontcompanies.com.

MetLife Legal Plans – Enhanced Member Experience

Launching in August, the MetLife Legal Plans updated website will provide an enhanced experience for members with easy access to information and new tools for their legal matters.

New Website Features

• Modern Look and Feel – Completely redesigned website makes it easier for employees to learn about and get the most out of their legal plan benefits.
• Simplified Login – Employees can access legal plan benefits using an email address and password, eliminating the need to remember a membership number or provide social security information.
• Online Self-Service – From purchasing a first home to disputing a traffic ticket, employees get the legal help they need from MetLife’s network of over 18,000 attorneys.
• Digital Estate Planning – Employees get step-by-step guidance to create wills, advance healthcare directives, powers of attorney, trusts, and deeds online in as little as 15 minutes.
• Mobile-Optimized Design – Full access to the entire online experience from any web-enabled mobile device without downloading a mobile application.

MetLife Legal Plan Advantages

• Simple and affordable legal services to add value to employers’ benefits programs.
• Full service on an unlimited number of legal matters.
• Access to a national network of attorneys in person, by phone, email, or mobile app.
• Billing is between MetLife and the Network Attorney.
• Only $24.00 per employee per month covers spouse and dependents.
• No deductibles, no copays, no claim forms, and no usage limits.
• Money-back guarantee.

Learn more about MetLife Legal Plans.

Questions?
Contact your Claremont team at 800.696.4543 or info@claremontcompanies.com.

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Your success is important to us, and we’re actively working on new solutions to support you throughout the year. To get the latest news via text messaging in the future, simply provide your cell phone number here.

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MetLife Extends Dental & Vision Renewal Rate Pass to March 31, 2021

To help small businesses (groups with 99 or fewer employees) who may be facing challenges as a result of the COVID-19 pandemic, MetLife will hold rates (no rate increase) for dental and vision renewals with effective dates commencing on or before March 31, 2021.*

Visit MetLife’s website for updates, resources, benefit coverage, and answers to common questions regarding COVID-19.

Questions?
Contact your Claremont team at 800.696.4543 or info@claremontcompanies.com.

*Excludes cases written through a Trust, Association, or PEO.

Get The Latest News with Text Messaging!

Your success is important to us, and we’re actively working on new solutions to support you throughout the year. To get the latest news via text messaging in the future, simply provide your cell phone number here.

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