Statement of Health
High levels of life insurance or changes to life insurance coverage require you to demonstrate your good health. In most cases, this can be done by completing a MetLife Statement of Health Form [.pdf]. If medical problems are indicated, the insurance company may require you to complete additional steps, such as a physician's exam.
The statement of health should be sent directly to the Benefits Office. Benefits staff will complete the employer section of the form and send it to MetLife.
Acceptance of your statement of health will be determined by MetLife in accordance with its medical underwriting guidelines. To get an update on the status of your Statement of Health, contact MetLife SOH Customer Service at 800-638-6420, Option 1.
While your Statement of Health is being reviewed by MetLife (which may take several months), you will be insured at your current level of insurance.
- You will only be charged the monthly rate for the actual life insurance coverage you are receiving.
- You will never be approved for less insurance than you are currently receiving.
Statement of Health Guidelines
Individuals will be asked to complete a MetLife Statement of Health Form under the following circumstances:
Faculty and Staff:
- NOT required for basic coverage (regardless of level)
- Required for Supplemental coverage of more than $500,000 (not combined with basic)
- NOT necessary at any level if you enroll child(ren) within 30 days of initial eligibility or you continue coverage at the same level
- Required for an increase in coverage or enrolling after initial eligibility
- NOT necessary if enrolling for coverage of $50,000 or less within 30 days of initial eligibility or you continue coverage at the same level
- Coverage of more than $50,000 at initial eligibility or enrolling after initial eligibility requires an approved statement of health.
- Increasing coverage due to an increase in supplemental employee life insurance requires an approved statement of health for your spouse/DP.
- Increasing coverage to more than $50,000 due to an increase in salary requires an approved statement of health for your spouse/DP (even if there has not been an increase in Supplemental Employee insurance).