Supplemental Benefits
Ancillary Benefit Change:
NY Life to MetLife
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Your voluntary (accident and voluntary life) will now be with MetLife.
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You can find information on all ancillary benefits under MetLife on this page, including following:
• Life Insurance & AD&D
• Accident Insurance
• Hospital Indemnity Insurance
• Critical Illness Insurance
• Pet Insurance Discount
To find information about FSA/DCFSA, EAP, and other benefits visit their individual pages under “Supplemental benefits”.
Read plan documents carefully for details.
Click the buttons in each section to read plan documents.
Life Insurance & AD&D
• Basic Coverage: West Coast provides $10,000 for all active full-time employees working at least 30 hours/week. Coverage at no cost to team members.
• Voluntary Coverage: Team members may choose to purchase additional life and AD&D coverage for themselves, their spouse, or children.
Accident Insurance
Voluntary accident plans may help cover costs from accidents that are not covered by your medical insurance.
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Provides extra financial support for unexpected accidents, on or off the job, helping cover costs not paid by medical insurance.
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• All regular full-time team members.
• Employee-only coverage is free; adding dependents costs extra.
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• Injuries: Fractures, dislocations, burns, concussions, broken teeth, eye injuries. Benefits FAQs Page 15 of 21
• Medical services: Ambulance, ER, follow-up visits, therapy, medical testing, prosthetics.
• Hospitalization: Admission, ICU, inpatient rehab.
• Accidental death & dismemberment: $75,000 up to $225,000 for common carrier; dismemberment up to $40,000.
• Other: Health screenings, lodging if hospitalized far from home, organized sports injury increase.
Hospital Indemnity Insurance
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• Provides cash benefits for hospital stays and associated treatment, regardless of other insurance coverage.
• Helps cover out-of-pocket costs such as deductibles, co-pays, and non-covered medical services.
• Benefits are paid directly to the team member to use as needed.
• Coverage is voluntary and 100% employee-paid.
• Must be actively at work and reside in the U.S.
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• 24-hour coverage for accidents and sickness.
• No waiting period for sickness hospitalization benefits.
• Covers complications of pregnancy, routine childbirth, mental illness, and drug/alcohol treatment in a hospital or inpatient rehab.
• Guaranteed issue for eligible team members.
• Coverage can continue if employment ends through MetLife’s portability option (employee-paid).
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• Claims for events outside the U.S., Canada, and Mexico are accepted.
• Employees have access to MetLife resources and discounts for additional support.
Critical Illness Insurance
• Offers a lump-sum cash benefit if diagnosed with a covered serious illness, such as cancer, heart attack, or stroke.
• Team members may elect coverage for themselves and eligible dependents; premiums are paid by the team member.
*You can use as you see fit, such as to help cover expenses that are not covered by your medical plan.
Pet Insurance Discount
MetLife Pet Insurance can help cover the costs of unexpected accidents, illnesses and routine care. Help protect your pet’s health and your wallet.