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LMU provides access to MetLife's special group rates and policy discounts for auto, home, landlord's rental dwelling, condo, mobile home, renter's, recreational vehicle, boat and personal excess liability (umbrella) policies.
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MetLife's MetLaw Legal Services provide direct access to a network of attorneys who provide telephone advice and office consultations on an unlimited number of personal legal matters.
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Anthem Blue Cross (www.anthem.com) Critical Illness Insurance helps bridge the financial gap between what your medical plan covers and the added costs of a serious illness. If you or a covered family member is diagnosed with a covered condition, the plan pays a lump-sum cash benefit directly to you. You decide how to use it, whether for out-of-pocket medical costs, prescriptions, rent, food or transportation.
You can choose a $10,000 or $20,000 benefit. Covered spouses/domestic partners and children receive 100% of the amount you elect.
Covered conditions include:
- Cancer: invasive cancer, benign brain tumor, and partial benefits for non-invasive cancer
- Heart and vascular: heart attach, stroke, heart failure, sudden cardia arrest, and partial benefits for coronary artery disease
- Neurological: advanced Parkinson's disease, advanced multiple sclerosis, ALS, and advanced dementia (including Alzheimer's)
- Other conditions: kidney failure, major organ failure, coma, paralysis, and loss of hearing, speech or vision
- Childhood conditions: cystic fibrosis, muscular dystrophy, cerebral palsy, spina bifida, congenital heart disease and cleft lip/palate
The plan also includes:
- No pre-existing condition limitations
- Recurrence benefits for many conditions including cancer, heart attack, and stroke
- A $50 Health Screening benefit per covered person each year, plus a one-time $250 skin cancer benefit
- Coverage you can keep if you leave LMU
- Critical Illness Highlights
- Critical Illness Low Plan
- Critical Illness High Plan
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MetLife's Pet Insurance covers dogs, cats, birds, ferrets, rabbits, reptiles, and other exotic pets for medical conditions relating to accidents, illnesses and injuries. You can also purchase optional vaccination and routine care coverage.
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LMU offers Hospital Indemnity coverage through Anthem Blue Cross (www.anthem.com), effective January 1, 2027. This plans pays you a cash benefit if you or a covered dependent is admitted to the hospital for an accident or illness, plus a daily benefit for each day of your stay. You can use the money however you choose, such as for deductibles, copays or everyday expenses.
The plan has no pre-existing condition limitations and no waiting periods, including for pregnancy, and it covers newborns.
- Anthem Blue Cross HealthSave Plan participants receive Hospital Indemnity coverage automatically, paid for by LMU.
- Employees not enrolled in the HealthSave Plan may purchase Hospital Indemnity coverage through an employee-paid voluntary plan.
- Hospital Indemnity Plan Highlights
- LMU - HI Plan Summary - Employer Paid
- LMU - HI Plan Summary - Employee Paid
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Anthem Blue Cross (www.anthem.com) Group Accident Insurance pays you a lump-sum cash benefit if you or a covered family member is injured in an accident, on or off the job. You can use the money however you choose, for out-of-pocket costs such as deductibles, copays, transportation to medical appointments and child care.
You can choose a Low or High plan. Both pay set amounts for covered injuries and care, including:
- Emergency room, urgent care, ambulance and hospital stays
- Fractures, dislocations, burns, concussions and lacerations
- Surgery, physical therapy, chiropractic care and follow-up visits
- Accidental death and dismemberment (AD&D): $25,000 for the employee on the Low plan and $50,000 on the High plan
The plan also includes:
- No medical questions to enroll and no pre-existing condition limitations
- A Health Screening benefit for each covered person each year: $50 on the Low plan, $100 on the High plan
- Coverage you can keep if you leave LMU
- Accident Insurance Highlights
- Accident High Plan
- Accident Low Plan