Supplemental Health

Critical illness insurance is designed to complement your primary medical coverage. Full-time and part-time employees must be actively at work and covered under any medical plan (WSP USA or outside of WSP USA ) to be eligible for this coverage.

MetLife will also provide an annual benefit of $50 or $100 for taking one of the eligible screening/prevention measures.

Critical illness insurance can be a cost-effective way to supplement your high-deductible health plan coverage for added protection from the financial impact of an unexpected illness. This insurance can help bridge the financial gap between your primary medical insurance and additional expenses associated with the following seven covered “first occurrence” conditions:

• Heart attack
• Cancer
• Stroke
• Kidney failure
• Major organ transplant
• Coronary artery disease
• Alzheimer's disease

You are also eligible for an additional one-time benefit payment if you experience a recurrence with the following four covered conditions:

• Heart attack
• Cancer
• Stroke
• Major organ transplant

If you experience one of these covered conditions, you will receive a lump-sum benefit payment. The benefit amount depends on the amount of coverage you apply/qualify for as well as the condition you experience.

Coverage Options

You can select a benefit level of $25,000 or $50,000.

If you enroll your spouse/domestic partner and/or children, their coverage will never be more than your coverage. If you elect $25,000 of coverage, your dependent's coverage cannot exceed $25,000.

Once the benefit has been paid, coverage ends (with the exception of the four stated conditions eligible for a recurrence benefit). For more information, reference the group policy and certificate requirements, which can be found on https://www.metlife.com/wsp.

Accident insurance, administered by MetLife is designed to complement your primary medical coverage. Full-time and part-time employees must be actively at work and covered under any medical plan (WSP USA or outside of WSP USA ) to be eligible for this coverage. You are covered 24/7/365 whether you have an accident on or off the job. This insurance can be a cost-effective way to supplement your health plan coverage for added protection from the financial impact of an accidental injury.

Benefits are paid directly to you based on a set schedule and can be used as you see fit to assist with expenses related to your accident. There is no coordination with other insurance coverage. An assignment of benefist to a hospital or health care facility will be available when required by applicable law.

Choose Your Coverage

You have a choice of selecting a High Plan or Low Plan. Both provide benefits for the same injuries and treatments, but the High Plan provides benefits at a higher amount.

Schedule of Benefits

Below you will find a sampling of covered events. Complete details can be found in the plan documents available on https://www.metlife.com/wsp.

	Low Plan	High Plan
Injuries
Fractures and dislocations (varies by type and number)*	$50–$3,000	$100 - $6,000
Concussion	$200	$400
Coma	$5,000	$10,000
Laceration (varies by length)	$25–$200	$50–$400
Broken tooth	$25–$100	$50–$200
Eye injury	$200	$300
Medical Services and Treatment
Ground ambulance	$200	$300
Air ambulance	$750	$1,000
Emergency room care	$150	$250
Medical testing	$100	$200
Physician follow-up care	$60	$120
Transportation (if traveling more than 50 miles for follow-up treatment)	$200	$400
Physical therapy	$25	$40
Inpatient surgery (varies by type of surgery)	$100-$1,000	$200-$2,000
Outpatient ambulatory surgery	$150	$300
Hospital admission (non-ICU)	$1,000	$2,000
Hospital confinement (non-ICU/ICU)	$200/$400 per day	$300/$600 per day
Accidental Death (reduced benefits also paid for dismemberment and paralysis)
Employee	$25,000-$75,0000	$50,000-$150,000
Spouse	$12,500-$37,500	$25,000-$75,000
Child(ren)	$5,000-$15,000	$10,000-$30,000
Other Benefits
Lodging (for a companion during insured’s hospitalization more than 100 miles from home up to 31 days)	$100 per day	$200 per day

Choose Your Coverage

You can select the Low Plan or the High Plan. If you enroll your spouse/domestic partner and/or children, their benefit will be 100% of your initial benefit.

Group policy and certificate requirements, which can be found on https://www.metlife.com/wsp.

CRITICAL ILLNESS INSURANCE MONTHLY RATES (AFTER-TAX)

Rates (cost per $1,000 of coverage per month) are based on the employee age as of January 1, 2024. Rates are subject to change and will increase when a covered person enters a new age band.

Monthly Rate Per $1,000 of Coverage
	Employee	Employee + Spouse/Domestic Partner*	Employee + Child(ren)	Employee + Family
<25	$0.14	$0.29	$0.24	$0.39
25-29	$0.16	$0.32	$0.26	$0.42
30-34	$0.24	$0.48	$0.35	$0.58
35-39	$0.40	$0.77	$0.50	$0.87
40-44	$0.69	$1.31	$0.80	$1.42
45-49	$1.21	$2.28	$1.31	$2.38
50-54	$1.97	$3.67	$2.08	$3.77
55-59	$3.11	$5.68	$3.22	$5.79
60-64	$4.81	$8.65	$4.91	$8.75
65-69	$7.38	$13.11	$7.49	$13.22
70+	$10.64	$19.01	$10.74	$19.12

 

ACCIDENT INSURANCE BIWEEKLY PAYROLL DEDUCTIONS (AFTER-TAX)

	Low Plan	High Plan
Employee Only	$2.41	$4.46
Employee + Spouse/Domestic Partner*	$3.97	$7.40
Employee + Children	$4.97	$9.07
Employee + Family	$6.23	$11.38

*Premiums for domestic partners and their eligible dependents are subject to applicable IRS regulations with after-tax deductions and imputed income.