Additional programs

Critical Illness, Accident, Hospital Indemnity Insurance and Legal Plan

We understand that your coverage and insurance needs are based on your unique situation. While the benefits below can provide assistance no matter which medical plan option you choose, you may find them especially helpful for bridging the gap to the high deductible if you select the HDHP/HSA option.

These insurance programs provide a cash payment directly to you when you or a covered dependent experience a covered event. You have the freedom to use the payment however you see fit — whether that’s covering out-of-pocket medical costs, travel expenses, child care, or even someone to mow the lawn while you’re recovering. Additional details are available here.

Critical Illness Insurance

Critical Illness Insurance provides a lump sum benefit in the event you experience a covered critical illness — so you can focus on your health and healing.

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Accident Insurance

Accident Insurance pays a cash benefit when an accident results in certain types of treatment, from repair of a broken tooth to emergency room treatment, to follow-up care with a doctor.

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Hospital Indemnity Insurance

While your medical plan pays many or most hospital bills, Hospital Indemnity Insurance pays you when you are admitted to a hospital as an in-patient.

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Legal Plan

With a network of attorneys to help you, MetLife’s legal plan offers convenient and affordable access to help you manage both planned and unexpected legal events. This comprehensive plan covers a wide array of personal legal matters, providing valuable resources, guidance, and tools you need at your fingertips to assist you with:

  • Preparation of wills, living wills, and trusts
  • Purchase, sale, and refinancing of a home
  • Debt collection and foreclosure defense
  • Identity theft defense
  • Rental issues
  • Civil litigation defense
  • Family and personal issues (e.g., adoption, divorce)
  • Document review and preparation
  • Vehicle and driving issues
  • Child support/custody
  • Real estate disputes
  • Elder care

See how coverage works

Complete information on the additional programs explained here can be found on colgatebenefits.com. Click on the “Plan Information” link. Any additional or specific questions should be directed to MetLife at 1-800-GET-MET8 (1-800-438-6388) between 8:00 a.m. and 8:00 p.m. Eastern Time, Monday through Friday.