Citi Benefits Handbook
Additional Supplemental AD&D Benefits
Child Care Center Benefit
If you die as a result of an accidental injury and MetLife pays a benefit, you will receive an additional Child Care benefit if:
  • This benefit is in effect on the date of the injury; and
  • MetLife receives proof that on the date of your death a child was enrolled in a Child Care Center; or within 12 months after the date of your death a child was enrolled in a Child Care Center.
A Child Care Center is a facility operated and licensed according to the law of the jurisdiction where it is located. The facility must provide care and supervision for children in a group setting on a regularly scheduled and daily basis.
Benefit Amount
For each child who qualifies for this benefit, MetLife will pay an amount equal to the Child Care Center charges incurred for a period of up to four consecutive years, not to exceed an annual maximum of $10,000; and an overall maximum of 5% of the Principal Sum.
MetLife will not pay for Child Care Center charges incurred after the date a child attains age 13.
MetLife may require proof of the child's continued enrollment in a Child Care Center during the period for which a benefit is claimed.
Benefit Payment
MetLife will pay this benefit quarterly when MetLife receives proof that Child Care Center charges have been paid. Payment will be made to the person who pays such charges on behalf of the child.
If this benefit is in effect on the date you die and there is no child who could qualify for it, MetLife will pay $1,000 to your beneficiary in one sum.
Child Education Benefit
If you die as a result of an accidental injury and MetLife pays a benefit, MetLife will pay an additional Child Education benefit if:
  • This benefit is in effect on the date of the injury; and
  • MetLife receives proof that on the date of your death a child was enrolled as a full-time student in an accredited college, university or vocational school above the 12th grade level; or at the 12th grade level and, within one year after the date of your death, enrolls as a full-time student in an accredited college, university or vocational school.
Benefit Amount
For each Child who qualifies for this benefit, MetLife will pay an amount equal to the tuition charges incurred for a period of up to four consecutive academic years, not to exceed an academic year maximum of $10,000; and an overall maximum of 20% of the Principal Sum.
MetLife may require proof of the child's continued enrollment as a full-time student during the period for which a benefit is claimed.
Benefit Payment
MetLife will pay this benefit semi-annually when MetLife receives proof that tuition charges have been paid. Payment will be made to the person who pays such charges on behalf of the child.
If this benefit is in effect on the date you die and there is no child who could qualify for it, MetLife will pay $1,000 to your beneficiary in one sum.
Spouse Education Benefit
If you die as a result of an accidental injury and MetLife pays a benefit, MetLife will pay an additional Spouse Education benefit if:
  • This benefit is in effect on the date of the injury; and
  • MetLife receives proof that on the date of your death, your spouse was enrolled as a full-time student in an accredited school; or within 3 years after the date of your death, your spouse enrolls as a full-time student in an accredited school.
Benefit Amount
MetLife will pay an amount equal to the tuition charges incurred for a period of up to one academic year, not to exceed an academic year maximum of $10,000; and an overall maximum of 3% of the Principal Sum.
MetLife may require proof of the spouse's continued enrollment as a full-time student during the period for which a benefit is claimed.
Benefit Payment
MetLife will pay this benefit semi-annually when MetLife receives proof that tuition charges have been paid. Payment will be made to your spouse. If this benefit is in effect on the date you die and there is no spouse who could qualify for it, MetLife will pay $1,000 to your beneficiary in one sum.
Hospital Confinement Benefit
If you die as a result of an accidental injury and MetLife pays a benefit, MetLife will pay an additional Hospital Confinement benefit if:
  • This benefit is in effect on the date of the injury; and
  • MetLife receives proof that you or a dependent are confined in a hospital as a result of an accidental injury which is the direct result of such confinement independent of other causes.
Benefit Amount
MetLife will pay an amount for each full month of Hospital Confinement equal to the lesser of 1% of the Principal Sum and $2,500. MetLife will pay this benefit on a monthly basis beginning on the fifth day of confinement, for up to 12 months of continuous confinement. This benefit will be paid on a pro-rata basis for any partial month of confinement.
MetLife will only pay benefits for one period of continuous confinement for any accidental injury. That period will be the first period of confinement that qualifies for payment.
Benefit Payment
Benefit payments will be made monthly. Payment will be made to you. This additional benefit provides insurance only for accidents. It does not provide basic hospital, basic medical or major medical insurance, as defined by the New York State Insurance Department.
Common Carrier Benefit
If you die as a result of an accidental injury and MetLife pays a benefit, MetLife will pay an additional Common Carrier benefit if:
  • This benefit is in effect on the date of the injury; and
  • MetLife receives proof that the injury resulting in the deceased's death occurred while traveling in a Common Carrier.
Benefit Amount
The Common Carrier Benefit is an amount equal to the Principal Sum.
Benefit Payment
For loss of your life, MetLife will pay benefits to your beneficiary. For a loss of a dependent's life, MetLife will pay benefits to you.