The Plan at a Glance

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	Long Term Care Insurance Plan

	The Plan at a Glance

	Participating in the Plan

	How the Plan Works

	What Is Not Covered

	Filing a Claim

	Glossary

The Plan at a Glance

The Long Term Care Insurance Plan helps you pay for the care you or a family member could require as a result of an illness, an accident, or age. For more information, see "How the Plan Works."


Plan Feature	Highlights
How the Plan Works	This plan helps you pay for the care you or a family member could require as a result of an illness, an accident, or age. This care may be needed for a lengthy period of time, either in your home or in a facility that provides long-term care.
Eligibility	You are eligible to participate in this program if you meet the eligibility requirements described below. See "Participating in the Plan" for details.
Family Eligibility	Your spouse/approved domestic partner and certain family members, to the extent permissible by state insurance regulations, are also eligible to apply for coverage. See "Participating in the Plan" for details.
Enrollment	New hires have 90 days to enroll for coverage without submitting Evidence of Insurability. You must be actively at work on your effective date of coverage. Your family members always need to provide Evidence of Insurability. New hires enrolling in the Long Term Care Insurance Plan within the 90 day new hire window can enroll by completing an online application form. Employees applying outside of the 90 day new hire window, as well as family members, need to fill out a paper enrollment form which is available through MetLife. Once enrolled, you may view your deduction amount by accessing MMC PeopleLink's MMC Benefits Online from the PeopleLink homepage. If you wish to change coverage, where eligible, you must contact the Plan Administrator.
Cost of Coverage	The cost of coverage for you and your family members is an amount based on the coverage level you choose and your age as of the date your coverage becomes effective. Each covered family member has his or her own cost based on the above factors.
Levels of Coverage	You can create a personalized plan by choosing from these levels or options of coverage. Daily Benefit Amount Options: $100 daily benefit option (minimum) $150 daily benefit option $200 daily benefit option $250 daily benefit option (maximum) Total Lifetime Maximum Options: 3 years (1,095 days) 5 years (1,825 days) Nonforfeiture Coverage Option: The Nonforfeiture feature is only available, as an option, if you design a custom plan. With this feature, if you stop paying premiums after three years, you keep a reduced level of benefits. The amount will be based on the greater of the total premiums you have paid, or 30 times your daily benefit amount.
Contact Information	For more information, contact: MetLife Phone: (800) 438-6388 Website: www.metlife.com/mybenefits MMC does not administer this Plan. MetLife's decisions are final and binding.