Critical Illness Program [NCFlex]

This program is sponsored by the State of North Carolina as part of the NCFlex benefits program. MetLife is the plan administrator for the State.

The Critical Illness program complements medical coverage, but does not replace it. The coverage pays a lump sum when a covered person experiences a medical condition outlined in the plan.

This plan is intended for use in conjunction with a comprehensive medical plan and/or a healthcare flexible spending account. This plan is not a comprehensive medical insurance program.

All permanent part-time (20-29 hours per week) and full-time (30 or more hours per week) employees can elect coverage for themselves, their spouse and their unmarried dependent children up to age 19 (or up to age 26 if a full-time student).

Premiums for this plan are paid solely through employee contribution as a pre-tax payroll deduction.

Monthly Cost and Coverage

Employee & Spouse Age as of Jan. 1	Monthly Cost for $15,000 of Coverage
<25	$1.65
25-29	$1.95
30-34	$3.30
35-39	$5.70
40-44	$10.05
45-49	$17.85
50-54	$28.65
55-59	$44.85
60-64	$68.10
65-69	$103.50
70-74	$149.85
75-79	$212.25
80-84	$266.40
85+	$286.20

Dependent Child(ren) All Ages	Monthly Cost for $15,000 of Coverage
Employee pays one flat rate no matter how many dependent child(ren). Each child is covered for $15,000 of coverage	$1.04

If you are paid on a monthly basis, the full monthly contribution is deducted from each paycheck. If you are paid on a biweekly basis, half of your monthly contribution is deducted from the first two paychecks of the month.
 

You must enroll within 30 days of your hire date or a qualifying family status change, or during annual enrollment. You may be subject to certain waiting periods if you are a late enrollee.

Summary of Benefits

Category 1 Cancer-Related	Category 2 Heart-Related	Category 3 Other Conditions
Full Benefit Cancer	Heart Attack	Major Organ Transplant (other than bone marrow and heart)
Partial Benefit Cancer	Stroke	Kidney Failure
Bone Marrow Transplant	Coronary Artery Bypass Graft
	Heart Transplant

For details on the Critical Illness Plan, refer to the Benefits Highlight section of the NCFlex website.

Mail claims to:

MetLife
Attn: Critical Illness Insurance Dept
PO Box 6120
Scranton, PA 18505-9972
800-438-6388

If you have questions about the benefits offered through this plan, please contact your department's Benefit Specialist.

If you have questions about processing a claim, or have experienced problems in receiving a reimbursement, contact MetLife at 800-438-6388.

Benefits Services in the Office of Human Resources is responsible for reviewing and revising as needed the content of this page.

The information contained in this website is not a contract and is subject to change. It should be understood that explanations in this summary cannot alter, modify or otherwise change the controlling legal documents or general statutes in any way, nor can any right accrue by reason of any inclusion or omission of any statement in this presentation. The most current information will always be found at the benefit carriers' home page. The Office of Human Resources designs these pages to be as current as possible; however, the benefit information provided herein is always subject to change.