State Limitations
Limitations apply for residents of the following states: Arkansas, California, Georgia, Florida, Maryland, Texas, Utah, Virginia, West Virginia and Wisconsin.
For Arkansas residents please be advised of the following: IMPORTANT NOTICE
If you have a question concerning your coverage or a claim, first contact your group employer or group account administrator. If, after doing so, you still have a concern, you may call MetLife's toll-free telephone number:
1-800-638-5433
If you are still concerned after contacting both your group employer and MetLife, you should feel free to contact:
Arkansas Insurance Department
Consumer Services Division
1200 West Third
Little Rock, Arkansas 72201-1904
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For California residents please be advised of the following:
Important notice to obtain additional information, or to make a complaint, contact MetLife at:
Metropolitan life Insurance Company
1 Madison Avenue
New York, NY 10010
Attn: Corporate Consumer Relations Department
1-800-638-5433
If, after contacting MetLife regarding a complaint, you feel that a satisfactory resolution has not been reached, you may file a complaint with the California insurance department at:
California Department Of Insurance
300 South Spring Street
Los Angeles, CA 90013
1-800-927-4357 (within California)
1-213-897-8921 (outside California)
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Georgia residents please be advised of the following: IMPORTANT NOTICE
The laws of the state of Georgia prohibit insurers from unfairly discriminating against any person based upon his or her status as a victim of family violence.
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For Florida Residents: The benefits of the policy providing your coverage are governed primarily by the law of a state other than Florida.
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For Maryland residents: The group insurance policy providing coverage under this certificate was issued in a jurisdiction other than Maryland and may not provide all of the benefits required by Maryland law.
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For Texas Residents: IMPORTANT NOTICE
To obtain information or make a complaint: You may call MetLife’s toll-free telephone number for information or to make a complaint at 1-800-638-5433.
You may contact the Texas Department of Insurance to obtain information on companies, coverages, rights or complaints at 1-800-252-3439 or you may write the
Texas Department of Insurance
P.O. Box 149104
Austin, TX 78714-9104
Fax # 512 - 475-1771
PREMIUM OR CLAIM DISPUTES: Should you have a dispute concerning your premium or about a claim you should contact MetLife first. If the dispute is not resolved, you may contact the Texas Department of Insurance.
ATTACH THIS NOTICE TO YOUR CERTIFICATE: This notice is for information only and does not become a part or condition of the attached document.
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Utah
Utah residents please be advised of the following:
NOTICE TO POLICYHOLDERS
Insurance companies licensed to sell life insurance, health insurance, or annuities in the State of Utah are required by law to be members of an organization called the Utah Life and Health Insurance Guaranty Association ("ULHIGA"). If an insurance company that is licensed to sell insurance in Utah becomes insolvent (bankrupt), and is unable to pay claims to its policyholders, the law requires ULHIGA to pay some of the insurance company's claims. The purpose of this notice is to
briefly describe some of the benefits and limitations provided to Utah insureds by ULHIGA.
PEOPLE ENTITLED TO COVERAGE
- You must be a Utah resident.
- You must have insurance coverage under an individual or group policy.
POLICIES COVERED
ULHIGA provides coverage for certain life, health and annuity insurance policies.
EXCLUSIONS AND LIMITATIONS
Several kinds of insurance policies are specifically excluded from coverage. There are also a number of limitations to coverage. The following are not covered by ULHIGA:
- Coverage through an HMO.
- Coverage by insurance companies not licensed in Utah.
- Self-funded and self-insured coverage provided by an employer that is only administered by an insurance company.
- Policies protected by another state's Guaranty Association.
- Policies where the insurance company does not guarantee the benefits.
- Policies where the policyholder bears the risk under the policy.
- Re-insurance contracts.
- Annuity policies that are not issued to and owned by an individual, unless the annuity policy is issued to a pension benefit plan that is covered.
- Policies issued to pension benefit plans protected by the Federal Pension Benefit Guaranty Corporation.
- Policies issued to entities that are not members of the ULHIGA, including health plans, fraternal benefit societies, state pooling
- plans and mutual assessment companies.
LIMITS ON AMOUNT OF COVERAGE
Caps are placed on the amount ULHIGA will pay. These caps apply even if you are insured by more than one policy issued by the insolvent company. The maximum ULHIGA will pay is the amount of your coverage or $500,000 — whichever is lower. Other caps also apply:
- $100,000 in net cash surrender values.
- $500,000 in life insurance death benefits (including cash surrender values).
- $500,000 in health insurance benefits.
- $200,000 in annuity benefits — if the annuity is issued to and owned by an individual or the annuity is issued to a pension
- plan covering government employees.
- $5,000,000 in annuity benefits to the contract holder of annuities issued to pension plans covered by the law. (Other limitations apply).
- Interest rates on some policies may be adjusted downward.
DISCLAIMER
PLEASE READ CAREFULLY: Coverage from ULHIGA may be unavailable under this policy. Or, if available, it may be subjectto substantial limitations or exclusions. The description of coverages contained in this document is an overview. It is not a complete description. You cannot rely on this document as a description of coverage. For a complete description of coverage, consult the utah code, title 31a, chapter 28.
- Coverage is conditioned on continued residency in the state of Utah.
- The protection that may be provided by ULHIGA is not a substitute for consumers' care in selecting an insurance company that is well-managed and financially stable.
- Insurance companies and insurance agents are required by law to give you this notice. The law does, however, prohibit them from using the existence of ULHIGA as an inducement to sell you insurance.
- The address of ULHIGA, and the insurance department are provided below.
Utah Life and Health Insurance
Guaranty Association
955 E. Pioneer Rd.
Draper, Utah 84114
Utah Insurance Department
State Office Building, Room 3110
Salt Lake City, Utah 84114
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Virginia residents please be advised of the following: IMPORTANT INFORMATION REGARDING YOUR INSURANCE. In the event you need to contact someone about this insurance for any reason please contact your agent. If no agent was involved in the sale of this insurance, or if you have additional questions you may contact the insurance company issuing this insurance at the following address and telephone number:
Metropolitan Life Insurance Company
1 Madison Avenue
New York, New York 10010
Attn: Corporate Customer Relations Department
To phone in a claim related question, you may call Claims Customer Service at:
1-800-638-5433
If you have been unable to contact or obtain satisfaction from the company or the agent, you may contact the Virginia State
Corporation Commission's Bureau of Insurance at:
Life and Health Division
Bureau of Insurance
P.O. Box 1157
Richmond, VA 23209
1-800-552-7945 - In-state toll-free
1-804-786-3741 - Out-of-state
Written correspondence is preferable so that a record of your inquiry is maintained. When contacting your agent, company or the Bureau of Insurance, have your policy number available.
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For West Virginia Residents: You have the right to return this certificate within ten days of its receipt and to have your premium refunded if, after examination of the certificate, you are not satisfied for any reason.
If any prior certificate relating to the coverage set forth herein has been given to the Member, such certificate is void.
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Wisconsin residents please be advised of the following: KEEP THIS NOTICE WITH YOUR INSURANCE PAPERS
PROBLEMS WITH YOUR INSURANCE? - If you are having problems with your insurance company or agent, do not hesitate to contact the insurance company or agent to resolve your problem.
Metropolitan Life Insurance Company
Corporate Consumer Relations Department
1 Madison Avenue
New York, NY 10010
1-800-638-5433
You can also contact the OFFICE OF THE COMMISSIONER OF INSURANCE, a state agency which enforces Wisconsin's insurance laws, and file a complaint. You can contact the OFFICE OF THE COMMISSIONER OF INSURANCE by contacting:
Office of the Commissioner of Insurance
Complaints Department
P.O. Box 7873
Madison, WI 53707-7873
1-800-236-8517 outside of Madison or 266-0103 in Madison.