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IMASERV, Inc., the wholly-owned subsidiary of the IMA, has available an extensive array of insurance and financial services for IMA members. Group Basic Term Life, Group Dental, and Group Short-Term and Long-Term Disability Insurance are underwritten by Metropolitan Life Insurance Company. IMA members have the advantage of being part of a plan that is evaluated based upon IMA’s claims experience. Lower premiums may result if claims experience is favorable.

Group Term Life Insurance

MetLife has the stability, strength and service capabilities necessary to help provide valuable protection for IMA members. MetLife is the number one issuer of group life insurance in the United States with over one trillion dollars of coverage in force¹. Group life insurance from MetLife means quality protection at competitive and affordable rates for IMA members.

What Insurance Products are Available:

Groups of 2 to 1000:	Description:
Basic Term Life	Provides active employees with one year renewable basic term life insurance. This is 24-hour coverage which provides a benefit to a designated beneficiary if an insured employee dies from any cause.
Accidental Death & Dismemberment (AD&D)	Provides benefits for accidental death, the loss of limb, hand or eyesight. Low cost complement to Basic Term Life.
Dependent Life	Allows employees to purchase term life insurance for their spouse and/or children at group rates. (This coverage cannot be purchased on a stand-alone basis; it must be purchased with Basic Term Life.)

Printable/Faxable version of Basic Life Insurance and AD&D (in Adobe PDF format.)

Printable/Faxable version of Dependent Life Insurance (in Adobe PDF format.)

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Group Dental Insurance

MetLife is one of the largest commercial dental carriers in the United States, with over 35 years of Dental experience². As a leader in managed dental care, MetLife offers IMA members the flexibility to go to any dentist they choose, including any of the 42,000 plus participating dentists in MetLife’s nationwide network.

What Insurance Products are Available:

Groups of 2 to 1000:	Description:
MAC Plan	Ideal For The Price-Sensitive Employer: All dentists are reimbursed based upon a reduced network schedule of fees (Preferred Dentist Program Schedule of Maximum Payments). If an employee goes to a network dentist, he or she will not be charged beyond the set schedule. If an employee goes to an out-of-network dentist, the dentist may charge more than the network schedule, and any such charges are the responsibility of the employee.
Network Plan	In-network dentists charge and are reimbursed based on a reduced network schedule of fees (PDP Schedule of Maximum Payments). Out-of-network dentists may charge above the network schedule but unlike the MAC plan, reimbursements are based on Reasonable and Customary (“R&C”) charges. Charges beyond the R&C are the responsibility of the employee.

Printable/Faxable version of Dental Insurance Features (in Adobe PDF format.)

Printable/Faxable version of Dental Insurance Plans (in Adobe PDF format.)

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If you don't already have Adobe Acrobat Reader 5.0c, you can download it now.
Version 4.0 or higher is required to view these documents.

Group Disability Insurance

MetLife offers IMA members a comprehensive line of programs that are flexible and designed to put abilities to work. In fact, MetLife was selected as the 1997 Outstanding Insurance Company of the Year by the National Association of Rehabilitation Professionals in the Private Sector (NARPPS)³. Not only does MetLife seek to reduce IMA members' costs with a proactive approach to disability, but IMA members will also benefit from MetLife’s industry experience. Nationally, MetLife is the largest group short-term disability carrier and the second largest long-term disability carrier, with over 40 years of group disability experience⁴.

What Insurance Products are Available:

Groups of:	Description:
2 to 1000 Short-Term Disability (STD)	Plans that provide weekly benefits of up to 66 2/3% of an employee's pre-disability earnings due to an injury or illness that prevents the employee from performing the duties of his/her current job.
10 to 1000 Long-Term Disability (LTD)	Plans that provide monthly income benefits of up to 66 2/3% of an employee's pre-disability earnings due to lost income during an extended period of disability.

Printable/Faxable version of STD Benefits (in Adobe PDF format.)

Printable/Faxable version of LTD Benefits (in Adobe PDF format.)

   FREE!

If you don't already have Adobe Acrobat Reader 5.0c, you can download it now.
Version 4.0 or higher is required to view these documents.

Like most group life, dental and disability policies, MetLife group policies contain exceptions, waiting periods, reductions, limitations and terms for keeping them in force. Please contact your IMASERV Customer Service or MetLife Sales Representative for costs and complete details.

¹Ranking based on premium volume in 1998 and number of employees covered as of 12/31/98. Employee Benefit Plan Review (May 1999).

²Ranking based on premium volume and equivalents in 1998 and number of employees covered as of 12/31/98 for insured and administrative services only (ASO) contracts. Employee Benefit Plan Review (May 1999).

³NARPPS, a non-profit organization, is a national association that exclusively represents the interests of rehabilitation professionals who work in the private sector.

⁴Ranking based on premium volume and equivalents in 1998 and number of employees covered as of 12/31/98 for insured and administrative services only (ASO) contracts. Employee Benefit Plan Review (May 1999).

Should you have questions of a general nature about MetLife, you may contact Jeff Goodwin of the IMA at 1-800-462-6861 or 317-632-2474 or via email at jgoodwin@imaweb.com.

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