With the National Armed Forces Association Dental Insurance plan, your acceptance is guaranteed.

• 90% coverage for preventive care for in-network exams, cleanings and X-rays¹
• Freedom to visit any dentist you want whether they are in the MetLife network or not²
• Typical savings of 35% - 50% on covered services when you use a participating dentist³

Eligibility

All National Armed Forces Association members⁴ in good standing, their spouses/domestic partners, and dependent children⁵ may apply.

Plan Benefits – Low Plan

Network: PDP Plus^§

Child(ren)’s eligibility for dental coverage is from birth up to age 26.

Benefit Waiting Period

Dental coverage is subject to no waiting periods.

To find a PDP Plus Dentist go to:

https://www.metlife.com/insurance/dental-insurance/

Click on Find a Dentist, Choose PDP Plus, & enter your zip code.

How do I pay for my coverage?

Please contact your administrator at 1-651-259-9001 for information about your payment options.

List of Primary Covered Services & Limitations

The service categories and plan limitations shown above represent an overview of your Plan Benefits. This document presents the majority of services within each category, but is not a complete description of the Plan.

Type A: Preventive

1. Oral exams and problem-focused exams, but no more than one exam (whether the exam is an oral exam or problem-focused exam) every 6 months.
2. Screenings, including state or federally mandated screenings, to determine an individual's need to be seen by a dentist for diagnosis, but no more than once every 6 months.
3. Patient assessments (limited clinical inspection that is performed to identify possible signs of oral or systemic disease, malformation, or injury, and the potential need for referral for diagnosis and treatment), but no more than once every 6 months.
4. Bitewing x-rays 1 set every 12 months.
5. Cleaning of teeth also referred to as oral prophylaxis (including full mouth scaling in presence of generalized moderate or severe gingival inflammation after oral evaluation) once every 6 months.
6. Topical fluoride treatment for a Child under age 14 once in 12 months.

Type B: Basic Restorative

1. Full mouth or panoramic x-rays once every 60 months.
2. Intraoral-periapical x-rays.
3. X-rays, except as mentioned elsewhere.
4. Pulp vitality tests and bacteriological studies for determination of bacteriologic agents.
5. Collection and preparation of genetic sample material for laboratory analysis and report, but no more than once per lifetime.
6. Diagnostic casts.
7. Emergency palliative treatment to relieve tooth pain.
8. Initial placement of amalgam fillings.
9. Replacement of an existing amalgam filling, but only if:
   • at least 24 months have passed since the existing filling was placed; or
   • a new surface of decay is identified on that tooth.
10. Initial placement of resin-based composite fillings.
11. Replacement of an existing resin-based composite filling, but only if:
    • at least 24 months have passed since the existing filling was placed; or
    • a new surface of decay is identified on that tooth.
12. Protective (sedative) fillings.
13. Periodontal maintenance, where periodontal treatment (including scaling, root planing, and periodontal surgery, such as gingivectomy, gingivoplasty and osseous surgery) has been performed. Periodontal maintenance is limited to once in 6 months, less the number of teeth cleanings received during such 6 month period.
14. Pulp capping (excluding final restoration).
15. Pulp therapy.
16. Injections of therapeutic drugs.
17. Space maintainers for a Child under age 14 once per lifetime per tooth area.
18. Sealants or sealant repairs for a Child under age 14, which are applied to non-restored, non-decayed first and second permanent molars, once per tooth every 60 months.
19. Preventive resin restorations, which are applied to non-restored first and second permanent molars, once per tooth every 60 months.
20. Interim caries arresting medicament application applied to permanent bicuspids and 1st and 2nd molar teeth, once per tooth every 60 months.
21. Application of desensitizing medicaments where periodontal treatment (including scaling, root planing, and periodontal surgery, such as osseous surgery) has been performed.

Type C: Major Restorative

1. Therapeutic pulpotomy (excluding final restoration).
2. Apexification/recalcification.
3. Pulpal regeneration, but not more than once per lifetime.
4. General anesthesia or intravenous sedation in connection with oral surgery, extractions or other Covered Services, when We determine such anesthesia or intravenous sedation is necessary in accordance with generally accepted dental standards.
5. Local chemotherapeutic agents.
6. Initial installation of full or partial Dentures (other than implant supported prosthetics):
   • when needed to replace congenitally missing teeth; or
   • when needed to replace teeth that are lost while the person receiving such benefits was insured for Dental Insurance.
7. Addition of teeth to a partial removable Denture to replace teeth removed while this Dental Insurance was in effect for the person receiving such services.
8. Replacement of a non-serviceable fixed Denture if such Denture was installed more than 10 Years prior to replacement.
9. Replacement of a non-serviceable removable Denture if such Denture was installed more than 10 Years prior to replacement.
10. Replacement of an immediate, temporary, full Denture with a permanent, full Denture, if the immediate, temporary, full Denture cannot be made permanent and such replacement is done within 12 months of the installation of the immediate, temporary, full Denture.
11. Relinings and rebasings of existing removable Dentures:
    • if at least 6 months have passed since the installation of the existing removable Denture; and
    • not more than once in any 36 month period.
12. Re-cementing of Cast Restorations or Dentures, but not more than once in a 12 month period.
13. Adjustments of Dentures, if at least 6 months have passed since the installation of the Denture and not more than once in any 12 month period.
14. Initial installation of Cast Restorations (except implant supported Cast Restorations).
15. Replacement of Cast Restorations (except an implant supported Cast Restoration) but only if at least 10 Years have passed since the most recent time that:
    • a Cast Restoration was installed for the same tooth; or
    • a Cast Restoration for the same tooth was replaced.
16. Prefabricated crown, but no more than one replacement for the same tooth within 10 Years.
17. Core buildup, but no more than once per tooth in a period of 10 Years.
18. Posts and cores, but no more than once per tooth in a period of 10 Years.
19. Labial veneers, but no more than once per tooth in a period of 10 Years.
20. Oral surgery, except as mentioned elsewhere in this certificate.
21. Consultations for interpretation of diagnostic image by a Dentist not associated with the capture of the image, but not more than once in a 12 month period.
22. Other consultations, but not more than once in a 12 month period.
23. Root canal treatment, including bone grafts and tissue regeneration procedures in conjunction with periradicular surgery, but not more than once for the same tooth.
24. Other endodontic procedures, such as apicoectomy, retrograde fillings, root amputation, and hemisection.
25. Periodontal scaling and root planing, but no more than once per quadrant in any 24 month period.
26. Full mouth debridements, but not more than once per lifetime.
27. Periodontal surgery, including gingivectomy, gingivoplasty and osseous surgery, but no more than one surgical procedure per quadrant in any 36 month period.
28. Simple extractions.
29. Surgical extractions.
30. Implant services (including sinus augmentation and bone replacement and graft for ridge preservation), but no more than once for the same tooth position in a 10 Year period:
    • when needed to replace congenitally missing teeth; or
    • when needed to replace teeth that are lost while the person receiving such benefits was insured for Dental Insurance.
31. Repair of implants, but no more than once in a 12 month period.
32. Implant supported Cast Restorations, but no more than once for the same tooth position in a 10 Year period:
    • when needed to replace congenitally missing teeth; or
    • when needed to replace teeth that are lost while the person receiving such benefits was insured for Dental Insurance.
33. Implant supported fixed Dentures, but no more than once for the same tooth position in a 10 Year period:
    • when needed to replace congenitally missing teeth; or
    • when needed to replace teeth that are lost while the person receiving such benefits was insured for Dental Insurance.
34. Implant supported removable Dentures, but no more than once for the same tooth position in a 10 Year period:
    • when needed to replace congenitally missing teeth; or
    • when needed to replace teeth that are lost while the person receiving such benefits was insured for Dental Insurance.
35. Tissue conditioning, but not more than once in a 36 month period.
36. Simple repair of Cast Restorations or Dentures other than recementing, but not more than once in a 12 month period.
37. Occlusal adjustments, but not more than once in a 12 month period.
38. Cleaning and inspection of a removable appliance once every 6 months.

Exclusions

This plan does not cover the following services, treatments and supplies:

1. services which are not Dentally Necessary, or those which do not meet generally accepted standards of care for treating the particular dental condition;
2. services for which You would not be required to pay in the absence of Dental Insurance;
3. services or supplies received by You or Your Dependent before the Dental Insurance starts for that person;
4. services which are neither performed nor prescribed by a Dentist, except for those services of a licensed Dental Hygienist which are supervised and billed by a Dentist, and which are for:
   • scaling and polishing of teeth; or
   • fluoride treatments;
5. services which are primarily cosmetic, (For residents of Texas, see notice page section);
6. services or appliances which restore or alter occlusion or vertical dimension;
7. restoration of tooth structure damaged by attrition, abrasion or erosion, unless caused by disease;
8. restorations or appliances used for the purpose of periodontal splinting;
9. counseling or instruction about oral hygiene, plaque control, nutrition and tobacco;
10. personal supplies or devices including, but not limited to: water piks, toothbrushes, or dental floss;
11. decoration or inscription of any tooth, device, appliance, crown or other dental work;
12. missed appointments;
13. services:
    • covered under any workers' compensation or occupational disease law;
    • covered under any employer liability law;
    • for which the Employer of the person receiving such services is required to pay; or
    • received at a facility maintained by the Policyholder, labor union, mutual benefit association, or VA hospital;
14. services covered under other coverage provided by the Policyholder;
15. biopsies of hard or soft oral tissue;
16. temporary or provisional restorations;
17. temporary or provisional appliances;
18. prescription drugs;
19. services for which the submitted documentation indicates a poor prognosis;
20. the following, when charged by the Dentist on a separate basis:
    • claim form completion;
    • infection control, such as gloves, masks, and sterilization of supplies; or
    • local anesthesia, non-intravenous conscious sedation or analgesia, such as nitrous oxide;
21. dental services arising out of accidental injury to the teeth and supporting structures, except for injuries to the teeth due to chewing or biting of food;
22. caries susceptibility tests;
23. modification of removable prosthodontic and other removable prosthetic services;
24. fixed and removable appliances for correction of harmful habits;
25. appliances or treatment for bruxism (grinding teeth);
26. initial installation of a Denture or implant or implant supported prosthetic to replace one or more teeth which were missing before such person was insured for Dental Insurance, except for congenitally missing teeth;
27. precision attachments associated with fixed and removable prostheses, except when the precision attachment is related to implant prosthetics;
28. adjustment of a Denture made within 6 months after installation by the same Dentist who installed it;
29. duplicate prosthetic devices or appliances;
30. replacement of a lost or stolen appliance, Cast Restoration or Denture;
31. orthodontic services or appliances;
32. repair or replacement of an orthodontic device;
33. diagnosis and treatment of temporomandibular joint disorders and cone beam imaging associated with the treatment of temporomandibular joint disorders (This exclusion does not apply to residents of Minnesota);
34. intra and extraoral photographic images.

Limitations

Alternate Benefits: Where two or more professionally acceptable dental treatments for a dental condition exist, reimbursement is based on the least costly treatment alternative. If you and your dentist have agreed on a treatment that is more costly than the treatment upon which the plan benefit is based, you will be responsible for any additional payment responsibility. To avoid any misunderstandings, we suggest you discuss treatment options with your dentist before services are rendered, and obtain a pre-treatment estimate of benefits prior to receiving certain high cost services such as crowns, bridges or dentures. You and your dentist will each receive an Explanation of Benefits (EOB) outlining the services provided, your plan’s reimbursement for those services, and your out-of- pocket expense. Actual payments may vary from the pretreatment estimate depending upon annual maximums, plan frequency limits, deductibles and other limits applicable at time of payment.

Cancellation/Termination of Benefits: Coverage is provided under a group insurance policy (Policy form GPNP15-2T / GCERT2000-DENTAL) issued by MetLife. Coverage terminates when your membership ceases, the last day of the calendar month insurance ceases for your class, when your dental contributions cease or upon termination of the group policy by the Policyholder or MetLife. The group policy terminates for non- payment of premium and may terminate if participation requirements are not met or if the Policyholder fails to perform any obligations under the policy. The following services that are in progress while coverage is in effect will be paid after the coverage ends, if the applicable installment or the treatment is finished within 31 days after individual termination of coverage: Completion of a prosthetic device, crown or root canal therapy.

With the National Armed Forces Association Dental Insurance plan, your acceptance is guaranteed.

• 100% coverage for preventive care for in-network exams, cleanings and X-rays¹
• Freedom to visit any dentist you want whether they are in the MetLife network or not²
• Typical savings of 35% - 50% on covered services when you use a participating dentist³

Eligibility

All National Armed Forces Association members⁴ in good standing, their spouses/domestic partners, and dependent children⁵ may apply.

Plan Benefits - High Plan

Network: PDP Plus^§

Child(ren)'s eligibility for dental coverage is from birth up to age 26.

Benefit Waiting Period

Dental coverage is subject to no waiting periods.

To find a PDP Plus Dentist go to:

https://www.metlife.com/insurance/dental-insurance/

Click on Find a Dentist, Choose PDP Plus, & enter your zip code.

How do I pay for my coverage?

Please contact your administrator at 1-651-259-9001 for information about your payment options.

List of Primary Covered Services & Limitations

The service categories and plan limitations shown above represent an overview of your Plan Benefits. This document presents the majority of services within each category, but is not a complete description of the Plan.

Type A: Preventive

1. Oral exams and problem-focused exams, but no more than one exam (whether the exam is an oral exam or problem-focused exam) every 6 months.
2. Screenings, including state or federally mandated screenings, to determine an individual's need to be seen by a dentist for diagnosis, but no more than once every 6 months.
3. Patient assessments (limited clinical inspection that is performed to identify possible signs of oral or systemic disease, malformation, or injury, and the potential need for referral for diagnosis and treatment), but no more than once every 6 months.
4. Bitewing x-rays 1 set every 12 months.
5. Cleaning of teeth also referred to as oral prophylaxis (including full mouth scaling in presence of generalized moderate or severe gingival inflammation after oral evaluation) once every 6 months.
6. Topical fluoride treatment for a Child under age 14 once in 12 months.

Type B: Basic Restorative

1. Full mouth or panoramic x-rays once every 60 months.
2. Intraoral-periapical x-rays.
3. X-rays, except as mentioned elsewhere.
4. Pulp vitality tests and bacteriological studies for determination of bacteriologic agents.
5. Collection and preparation of genetic sample material for laboratory analysis and report, but no more than once per lifetime.
6. Diagnostic casts.
7. Emergency palliative treatment to relieve tooth pain.
8. Initial placement of amalgam fillings.
9. Replacement of an existing amalgam filling, but only if:
   • at least 24 months have passed since the existing filling was placed; or
   • a new surface of decay is identified on that tooth.
10. Initial placement of resin-based composite fillings.
11. Replacement of an existing resin-based composite filling, but only if:
    • at least 24 months have passed since the existing filling was placed; or
    • a new surface of decay is identified on that tooth.
12. Protective (sedative) fillings.
13. Periodontal maintenance, where periodontal treatment (including scaling, root planing, and periodontal surgery, such as gingivectomy, gingivoplasty and osseous surgery) has been performed. Periodontal maintenance is limited to once in 6 months, less the number of teeth cleanings received during such 6 month period.
14. Pulp capping (excluding final restoration).
15. Pulp therapy.
16. Injections of therapeutic drugs.
17. Space maintainers for a Child under age 14 once per lifetime per tooth area.
18. Sealants or sealant repairs for a Child under age 14, which are applied to non-restored, non-decayed first and second permanent molars, once per tooth every 60 months.
19. Preventive resin restorations, which are applied to non-restored first and second permanent molars, once per tooth every 60 months.
20. Interim caries arresting medicament application applied to permanent bicuspids and 1st and 2nd molar teeth, once per tooth every 60 months.
21. Application of desensitizing medicaments where periodontal treatment (including scaling, root planing, and periodontal surgery, such as osseous surgery) has been performed.

Type C: Major Restorative

1. Therapeutic pulpotomy (excluding final restoration).
2. Apexification/recalcification.
3. Pulpal regeneration, but not more than once per lifetime.
4. General anesthesia or intravenous sedation in connection with oral surgery, extractions or other Covered Services, when We determine such anesthesia or intravenous sedation is necessary in accordance with generally accepted dental standards.
5. Local chemotherapeutic agents.
6. Initial installation of full or partial Dentures (other than implant supported prosthetics):
   • when needed to replace congenitally missing teeth; or
   • when needed to replace teeth that are lost while the person receiving such benefits was insured for Dental Insurance.
7. Addition of teeth to a partial removable Denture to replace teeth removed while this Dental Insurance was in effect for the person receiving such services.
8. Replacement of a non-serviceable fixed Denture if such Denture was installed more than 10 Years prior to replacement.
9. Replacement of a non-serviceable removable Denture if such Denture was installed more than 10 Years prior to replacement.
10. Replacement of an immediate, temporary, full Denture with a permanent, full Denture, if the immediate, temporary, full Denture cannot be made permanent and such replacement is done within 12 months of the installation of the immediate, temporary, full Denture.
11. Relinings and rebasings of existing removable Dentures:
    • if at least 6 months have passed since the installation of the existing removable Denture; and
    • not more than once in any 36 month period.
12. Re-cementing of Cast Restorations or Dentures, but not more than once in a 12 month period.
13. Adjustments of Dentures, if at least 6 months have passed since the installation of the Denture and not more than once in any 12 month period.
14. Initial installation of Cast Restorations (except implant supported Cast Restorations).
15. Replacement of Cast Restorations (except an implant supported Cast Restoration) but only if at least 10 Years have passed since the most recent time that:
    • a Cast Restoration was installed for the same tooth; or
    • a Cast Restoration for the same tooth was replaced.
16. Prefabricated crown, but no more than one replacement for the same tooth within 10 Years.
17. Core buildup, but no more than once per tooth in a period of 10 Years.
18. Posts and cores, but no more than once per tooth in a period of 10 Years.
19. Labial veneers, but no more than once per tooth in a period of 10 Years.
20. Oral surgery, except as mentioned elsewhere in this certificate.
21. Consultations for interpretation of diagnostic image by a Dentist not associated with the capture of the image, but not more than once in a 12 month period.
22. Other consultations, but not more than once in a 12 month period.
23. Root canal treatment, including bone grafts and tissue regeneration procedures in conjunction with periradicular surgery, but not more than once for the same tooth.
24. Other endodontic procedures, such as apicoectomy, retrograde fillings, root amputation, and hemisection.
25. Periodontal scaling and root planing, but no more than once per quadrant in any 24 month period.
26. Full mouth debridements, but not more than once per lifetime.
27. Periodontal surgery, including gingivectomy, gingivoplasty and osseous surgery, but no more than one surgical procedure per quadrant in any 36 month period.
28. Simple extractions. Extractions of primary teeth or adult teeth solely for orthodontic purposes will be treated as orthodontic services.
29. Surgical extractions. Extractions of primary teeth or adult teeth solely for orthodontic purposes will be treated as orthodontic services.
30. Implant services (including sinus augmentation and bone replacement and graft for ridge preservation), but no more than once for the same tooth position in a 10 Year period:
    • when needed to replace congenitally missing teeth; or
    • when needed to replace teeth that are lost while the person receiving such benefits was insured for Dental Insurance.
31. Repair of implants, but no more than once in a 12 month period.
32. Implant supported Cast Restorations, but no more than once for the same tooth position in a 10 Year period:
    • when needed to replace congenitally missing teeth; or
    • when needed to replace teeth that are lost while the person receiving such benefits was insured for Dental Insurance.
33. Implant supported fixed Dentures, but no more than once for the same tooth position in a 10 Year period:
    • when needed to replace congenitally missing teeth; or
    • when needed to replace teeth that are lost while the person receiving such benefits was insured for Dental Insurance.
34. Implant supported removable Dentures, but no more than once for the same tooth position in a 10 Year period:
    • when needed to replace congenitally missing teeth; or
    • when needed to replace teeth that are lost while the person receiving such benefits was insured for Dental Insurance.
35. Tissue conditioning, but not more than once in a 36 month period.
36. Simple repair of Cast Restorations or Dentures other than recementing, but not more than once in a 12 month period.
37. Occlusal adjustments, but not more than once in a 12 month period.
38. Cleaning and inspection of a removable appliance once every 6 months.

Type D: Orthodontia

• Your children, up to age 19, are covered while Dental insurance is in effect
• All dental procedures performed in connection with orthodontic treatment are payable as Orthodontia
• Payments are on a repetitive basis
• 20% of the Orthodontia Lifetime Maximum will be considered at initial placement of the appliance and paid based on the plan benefit's coinsurance level for Orthodontia as defined in the plan summary
• Orthodontic benefits end at cancellation of coverage

Exclusions

This plan does not cover the following services, treatments and supplies:

1. services which are not Dentally Necessary, or those which do not meet generally accepted standards of care for treating the particular dental condition;
2. services for which You would not be required to pay in the absence of Dental Insurance;
3. services or supplies received by You or Your Dependent before the Dental Insurance starts for that person;
4. services which are neither performed nor prescribed by a Dentist, except for those services of a licensed Dental Hygienist which are supervised and billed by a Dentist, and which are for:
   • scaling and polishing of teeth; or
   • fluoride treatments;
5. services which are primarily cosmetic, (For residents of Texas, see notice page section);
6. services or appliances which restore or alter occlusion or vertical dimension;
7. restoration of tooth structure damaged by attrition, abrasion or erosion, unless caused by disease;
8. restorations or appliances used for the purpose of periodontal splinting;
9. counseling or instruction about oral hygiene, plaque control, nutrition and tobacco;
10. personal supplies or devices including, but not limited to: water piks, toothbrushes, or dental floss;
11. decoration or inscription of any tooth, device, appliance, crown or other dental work;
12. missed appointments;
13. services:
    • covered under any workers' compensation or occupational disease law;
    • covered under any employer liability law;
    • for which the Employer of the person receiving such services is required to pay; or
    • received at a facility maintained by the Policyholder, labor union, mutual benefit association, or VA hospital;
14. services covered under other coverage provided by the Policyholder;
15. biopsies of hard or soft oral tissue;
16. temporary or provisional restorations;
17. temporary or provisional appliances;
18. prescription drugs;
19. services for which the submitted documentation indicates a poor prognosis;
20. the following, when charged by the Dentist on a separate basis:
    • claim form completion;
    • infection control, such as gloves, masks, and sterilization of supplies; or
    • local anesthesia, non-intravenous conscious sedation or analgesia, such as nitrous oxide;
21. dental services arising out of accidental injury to the teeth and supporting structures, except for injuries to the teeth due to chewing or biting of food;
22. caries susceptibility tests;
23. modification of removable prosthodontic and other removable prosthetic services;
24. fixed and removable appliances for correction of harmful habits;
25. appliances or treatment for bruxism (grinding teeth);
26. initial installation of a Denture or implant or implant supported prosthetic to replace one or more teeth which were missing before such person was insured for Dental Insurance, except for congenitally missing teeth;
27. precision attachments associated with fixed and removable prostheses, except when the precision attachment is related to implant prosthetics;
28. adjustment of a Denture made within 6 months after installation by the same Dentist who installed it;
29. duplicate prosthetic devices or appliances;
30. replacement of a lost or stolen appliance, Cast Restoration or Denture;
31. replacement of an orthodontic device;
32. diagnosis and treatment of temporomandibular joint disorders and cone beam imaging associated with the treatment of temporomandibular joint disorders (This exclusion does not apply to residents of Minnesota)
33. intra and extraoral photographic images.

Limitations

Alternate Benefits: Where two or more professionally acceptable dental treatments for a dental condition exist, reimbursement is based on the least costly treatment alternative. If you and your dentist have agreed on a treatment that is more costly than the treatment upon which the plan benefit is based, you will be responsible for any additional payment responsibility. To avoid any misunderstandings, we suggest you discuss treatment options with your dentist before services are rendered, and obtain a pre-treatment estimate of benefits prior to receiving certain high cost services such as crowns, bridges or dentures. You and your dentist will each receive an Explanation of Benefits (EOB) outlining the services provided, your plan's reimbursement for those services, and your out-of- pocket expense. Actual payments may vary from the pretreatment estimate depending upon annual maximums, plan frequency limits, deductibles and other limits applicable at time of payment.

Cancellation/Termination of Benefits: Coverage is provided under a group insurance policy (Policy form GPNP15-2T / GCERT2000-DENTAL) issued by MetLife. Coverage terminates when your membership ceases, the last day of the calendar month insurance ceases for your class, when your dental contributions cease or upon termination of the group policy by the Policyholder or MetLife. The group policy terminates for non- payment of premium and may terminate if participation requirements are not met or if the Policyholder fails to perform any obligations under the policy. The following services that are in progress while coverage is in effect will be paid after the coverage ends, if the applicable installment or the treatment is finished within 31 days after individual termination of coverage: Completion of a prosthetic device, crown or root canal therapy.

Long term disability insurance is designed to provide you with continuing monthly income during an extended period of time while you are out of work due to a sickness or accident.

Eligibility

Active members¹ of the National Armed Forces Association in good standing under the age of 60 who are actively at work² on a full-time basis for at least 30 hours per week.

Maximum benefit amount at enrollment

Please Note: Total disability benefits may not exceed 60% of pre-disability earnings or $6,000, less any employer plans or other disability insurance income you have in force. Pre-disability earnings includes basic earnings only. Coverage terminates at age 70.

Elimination period

You will have a 60-day elimination period before benefits begin.

Benefit duration

Benefits are payable for the later of your normal retirement age as defined by Social Security or reducing benefit duration (for accidental injury or sickness).

Rates at a glance

Long Term Disability Insurance Monthly Rates per $100 monthly benefit

Rates are subject to change. Rates increase at these and subsequent five-year age intervals until age 70 when coverage ends. Rates are unisex and unismoker. Rates shown are for monthly mode, the later of your normal retirement age as defined by social security or your reducing benefit duration, and 60-day elimination period. Other payment modes are available, please contact your plan administrator at 1-651-259-9001 for a full list of ages, rates and benefit amounts.

Additional plan benefits

When you are ill or injured for a long time, MetLife believes you need more than a supplement to your income. That’s why we offer return to work services and financial incentives to help you get the maximum benefits from your coverage.

Valuable built-in features

Lump Sum Survivor Benefit

If the member dies while they are disabled and were entitled to receive monthly benefits a single sum payment equal to 3 times the member’s last net monthly benefit is made to the member’s survivor.

Waiver of Premium

If you become disabled, once you begin receiving benefits after the elimination period has been met, the company will waive your premium payments for the cost of any disability insurance defined as insurance for as long as you continue to receive benefits. When you stop receiving monthly benefits, premium must again be paid when due.

Family Care Incentive

If you work or participate in a rehabilitation program while disabled, reimbursement may be provided for up to $400 per month for eligible family care expenses incurred by you for each eligible family member during the first 24 months of benefit payments.

Moving Expense Incentive

If you participate in a rehabilitation program while disabled, reimbursement may be provided for expenses incurred to move to a new residence if recommended as part of the rehabilitation program.

Rehabilitation Program Incentive

If you participate in an approved rehabilitation program while disabled, we will increase your monthly benefit by 10%.

Work Incentive

If you work while disabled and receiving monthly benefits, you may receive up to 100% of pre-disability monthly earnings, including family care expense reimbursement, rehabilitation incentive, return-to-work earnings and other income benefits. After the first 24 months following your return to work, we will reduce your monthly benefit by 50% of the amount you earn from working while disabled.

Learn More

How is disability defined under this plan?

This plan pays benefits if you are disabled due to a sickness or as a direct result of accidental injury, and are unable to earn more than 80% of pre-disability earnings at your own occupation, and are receiving appropriate care and treatment from a duly licensed physician as described in your certificate and complying with the requirements of such treatment.³ Please see the certificate of insurance for details.

Following the own occupation period, you are considered disabled under the same terms if you are unable to earn more than 60% of pre-disability earnings at any gainful occupation for any employer in your local economy which you are reasonably qualified taking into account your training, education and experience.

Does this plan include own occupation protection?

Yes, for the first 24 months of Sickness or accidental injury. Own occupation means the occupation in which you are regularly engaged in at the time you become disabled.

When does the coverage become effective?

Your coverage will begin on the date we state in writing following the date your enrollment form is approved and your premium has been paid. You must be actively at work on the date insurance is to take effect; otherwise, the insurance will take effect on the date you return to work. Issuance of coverage or benefit payments may depend on the answers given in the enrollment form.

How long can my coverage continue?

Your coverage can continue as long as you pay your premium when due, have not reached age 70, remain in an eligible class, the insurance continues for your class, and the policy remains in force. Please see the certificate of insurance for details.

Are there limited disability benefits for alcohol, drug or substance abuse, addiction, neuromuscular/musculoskeletal/soft tissue disorders, chronic fatigue, fibromyalgia, or mental or nervous disorder or diseases?

Yes. If you are disabled due to alcohol, drug, substance abuse or addiction, neuromuscular/musculoskeletal/soft tissue disorders, chronic fatigue, or fibromyalgia we will limit disability benefits to a lifetime maximum of 24 months.

Yes. If you are disabled due to a mental or nervous disorder or disease or other specified conditions, we will limit your disability benefits to lifetime maximum equal to the lesser of: 24 months for any one period of disability during your lifetime for any one or more, or all of the above conditions; or the maximum benefit period.

Please see the certificate of insurance or contact your plan administrator at 1-651-259-9001 for additional details.

Are there any exclusions for pre-existing conditions?

Yes. You are not covered for a disability caused or substantially contributed to by a pre-existing condition, or the medical or surgical treatment of a pre-existing condition. Pre-existing condition means you received medical treatment, care or services for a diagnosed condition, or took prescribed medication for a diagnosed condition in the 3 months immediately prior to the effective date of coverage, and the disability caused or substantially contributed to by the condition begins in the first 12 months after the effective date of coverage.

Please see the certificate of insurance or contact your plan administrator at 1-651-259-9001 for additional details.

Are there any exclusions to my coverage?

Yes. Disabilities will not be covered if caused or contributed to by:

• War, whether declared or undeclared, or act of war, insurrection, rebellion or terrorist act;
• Active participation in a riot;
• Attempted suicide;
• Intentionally self-inflicted injury;
• Commission of or attempt to commit or taking part in a felony.

Is there any income that will reduce my disability benefits?

Income that will reduce your disability benefit includes:

• Any disability or retirement benefits which you, your spouse or child(ren) receive or are eligible to receive because of your disability or retirement under the Federal Social Security Act, the Railroad Retirement Act, or any state, public or federal employee retirement or disability plan, including State Teachers Retirement System (STRS), Public Employee Retirement System (PERS) or Federal Retirement System (FERS) (You must apply for such benefits through the highest appeal level that is applicable to such benefits and available under the plan), or any pension or disability plan of any other nation or political subdivision thereof;
• Any income received for disability or retirement under the employer’s retirement plan, to the extent that it can be attributed to the Employer’s contributions;
• Any income received for disability under a group insurance policy to which the employer has made a contribution (such as benefits for loss of time from work due to disability and installment payments for permanent total disability), a no-fault auto law for loss of income, excluding supplemental disability benefits, a government compulsory benefit plan or program which provides payment for loss of time from your job due to your disability, whether such payment is made directly by the plan or program, or through a third party, a self-funded plan, or other arrangement if the employer contributes toward it or makes payroll deductions for it, any sick pay, vacation pay or other salary continuation that the employer pays to you, workers' compensation or a similar law which provides periodic benefits, occupational disease laws, laws providing for maritime maintenance and cure, or unemployment insurance law or program;
• Any income that you receive from working while disabled to the extent that such income reduces the amount of your monthly benefit as described in rehabilitation incentives (This includes but is not limited to salary, commissions, overtime pay, bonus or other extra pay arrangements from any source); and
• Recovery amounts that you receive for loss of income as a result of claims against a third party by judgment, settlement or otherwise including future earnings.

How do I pay for my coverage?

Please contact your plan administrator at 1-651-259-9001 for information about your payment options.

Supplemental life insurance can be a cost effective way to provide life insurance benefits and help protect your family and finances in the event something happens to you.

With National Armed Forces Association 10-Year or 20-Year Level Term Life Insurance, your individual premium remains level for the initial term under the 10-year or 20-year plans, and will not increase during the initial term due to your age or health status. Also, your coverage remains level for the limited term under the 10-year or 20-year plans and will not be reduced due to your age.

Eligibility

As a National Armed Forces Association member¹ you and your spouse/domestic partner are eligible to apply for a 10-year level term policy if you are both under the age of 65 or a 20-year level term policy if you are both under the age of 55.

Dependent life coverage is also available for each of your eligible, unmarried, dependent children² from 14- days-old up through age 25.

Maximum benefit amount

For the You and Your Spouse/Domestic Partner

Your spouse/domestic partner's coverage amount cannot exceed your coverage.

For Your Dependent Children²

Rates at a glance

10-year or 20-year Level Term Male Preferred Non-smoker Monthly Rates

10-year or 20-year Level Term Female Preferred Non-Smoker Monthly Rates

Rates are subject to change. There are three rates classes: standard/smoker*, select and preferred. Rates shown are the monthly male and female preferred non-smoker rates by age. For other ages not shown or standard/smoker* rates, or select non-smoker rates, contact your plan administrator. Your coverage and rates will be determined by MetLife based on your evidence of insurability provided in your application. Coverage may not be available in all states. At the end of the 10-year or 20-year premium period you have the option to renew or continue your coverage depending on your age at an increased premium and subject to insurability. Coverage ends no later than age 75.

Coverage for dependent children² is available at an additional $2.00 annually.

Additional plan benefits

Life insurance can be a critical first step in helping to ensure your family’s financial wellbeing. With your 10- year or 20-year level term life insurance coverage, you get access to meaningful features to help you make the right decisions to manage what life may bring.

Valuable built-in features

Will Preparation Services³

Offers you and your spouse/domestic partner unlimited face-to-face or telephone meetings with an attorney, from MetLife Legal Plans’ network of over 18,500 participating attorneys, to prepare or update a will, living will, and Power of Attorney.

Estate Resolution Services³

Estate representatives and beneficiaries may receive unlimited face-to-face legal assistance with probating your and your spouse/domestic partner’s estate. Beneficiaries can also consult an attorney, from MetLife Legal Plans’ network of more than over 18,500 participating attorneys, for general questions about the probate process.

Grief Counseling⁴

Provides you and your dependents up to five private counseling sessions with a professional grief counselor — per event — to help cope with a loss, no matter the circumstances, whether it’s a death, an illness or divorce. Sessions may also be held over the phone.

Funeral Planning Assistance⁴

Services designed to simplify the funeral planning process for your loved ones and beneficiaries to assist them with organizing an event that will honor a loved one’s life from a self-paced funeral planning guide to services such as locating funeral homes, florists and local support groups.

Total Control Account®⁵

The Total Control Account (TCA) is a settlement option that provides your loved ones with a safe and convenient way to manage life insurance proceeds. They’ll have the convenience of immediate access to any or all of their proceeds through an interest bearing account with unlimited check-writing privileges. The Total Control Account also allows beneficiaries time to decide what to do with their proceeds.

Accelerated Benefits Option⁶

You can receive up to 50% of your supplemental term life insurance proceeds to a maximum of $500,000 in the event that you become terminally ill and are diagnosed with less than 12 months⁷ to live. This can go a long way toward helping your family meet medical and other related expenses at this difficult time.

Dignity Memorial®⁸

Provides discounts of up to 10% off of funeral, cremation and cemetery services, expert assistance to help guide you and your family in making confident decisions, planning services to help make final wishes easier to manage, and bereavement travel services to assist with time-sensitive travel arrangements.

Learn More

Is a medical exam required?

You must complete a standard application. When you apply, simply answer the health questions. Even if you have a health condition, you may still qualify. Depending on the amount applied for, a paramedical exam and blood test may be required, which will be scheduled at your convenience and at no cost to you.

Will these plans pay in addition to other coverage?

Yes. These plans pay in addition to any other insurance coverage you have. The plan also stays with you until your coverage ends — even if you change jobs. If also electing coverage under the annual renewable term life insurance, a combined maximum benefit amount of $1,150,000 between the 10-year level term, 20-year level term, and annual renewable term life insurance will apply.

What are my options when my 10-year or 20-year term comes to an end?

Depending on your age and health, you may qualify to apply for another 10-year or 20-year level term plan at the current rate for your age at the time of enrollment. If not, you may be automatically enrolled in Ultimate Plan term life insurance from Metropolitan Life Insurance Company until the age of 75 at which time you may be able to convert some or all of your coverage. Your benefit amount will remain the same, but the cost of insurance will change and increase annually. Please see the certificate of insurance for details.

How long can my coverage continue?

Your coverage can continue as long as you have not reached the end of a10-year or 20-year period, you pay your premium when due, have not reached age 75, remain in an eligible class, the insurance continues for your class, and the policy remains in force. Please see the certificate of insurance for details.

Would I have the ability to continue coverage, should my plan end?

Yes, in many instances. If your insurance ends for a reason other than non-payment of your premiums, you may be able to convert your coverage into an individual permanent life insurance policy from Metropolitan Life Insurance Company or an affiliate without providing evidence of insurability. Please see the certificate of insurance for details, including eligibility for conversion and amount of coverage that may be converted.

How do I pay for my coverage?

Please contact your plan administrator at 1-651-259-9001 for information about your payment options.

Are there any exclusions to my coverage?

Yes. Benefits will not be paid if the member’s or dependent’s death occurs from suicide, or if health is misrepresented, within 2 years from the date life insurance for you takes effect.

Annual renewable life insurance can be a cost effective way to provide life insurance benefits and help protect your family and finances in the event something happens to you.

Eligibility

As an active member¹ of the National Armed Forces Association, under age 65 at the time of enrollment, you are eligible to apply for life insurance in increments of $5,000, from a minimum of $50,000 up to a maximum of $150,000.

In addition, your spouse/domestic partner, who is under age 65 at the time of enrollment, is eligible to apply for life insurance in increments of $5,000, from a minimum of $50,000 up to a maximum of $150,000. Your spouse/domestic partner's coverage amount cannot exceed 100% of your coverage.

Normal Activities Requirement

You must satisfy the normal activities requirement to be covered under the plan. On the date insurance is to take effect, You must not be: confined at home under a physician’s care; receiving or applying to receive disability benefits from any source; or hospitalized.

If You do not meet this requirement on such date, Your insurance will take effect on the date You are no longer confined; receiving or applying to receive disability benefits; or hospitalized.

Maximum benefit amount

For the Member and Dependent Spouse/Domestic Partner, the maximum benefit amounts are based on the enrollment process you choose.

MetLife’s Simplified Issue process (applicable to Members and Dependent Spouses/or Domestic Partners) requires evidence of insurability by answering a few medical questions and one hospitalization question on the application for MetLife’s ART life insurance plan.

• Under age 40 at time of enrollment, coverage amounts up to $150,000 for Members and Dependent Spouses/or Domestic Partners in increments of $5,000.
• Age 40-49 at time of enrollment, coverage amounts up to $100,000 for Members and Dependent Spouses/or Domestic Partners in increments of $5,000.
• Age 50-59 at time of enrollment, coverage amounts up to $75,000 for Members and Dependent Spouses/or Domestic Partners in increments of $5,000.

MetLife’s Full Statement of Health process allows Members and their Dependent Spouses/or Domestic Partners under age 65 to apply for amounts up to $150,000 in increments of $5,000. While this process requires full medical underwriting, it may give you access to higher benefit maximums.

Rates at a glance

Annual Renewable Monthly Rates

Rates are subject to change. Rates shown are the monthly term life premiums for male and female for select ages. Other payment modes are available. Please contact your plan administrator at 1-651-259-9001 for a full list of ages, rates and benefit amounts. Rates increase at these and subsequent 5-year age intervals. Coverage can be continued up to age 70.

Additional plan benefits

Life insurance can be a critical first step in helping to ensure your family’s financial wellbeing. With your annual renewable term life Insurance coverage, you get access to meaningful features to help you make the right decisions to manage what life may bring.

Valuable built-in features

Will Preparation Services²

Offers you and your spouse/domestic partner unlimited face-to-face or telephone meetings with an attorney, from MetLife Legal Plans’ network of over 18,500 participating attorneys, to prepare or update a will, living will, and Power of Attorney.

Estate Resolution Services²

Estate representatives and beneficiaries may receive unlimited face-to-face legal assistance with probating your and your spouse/domestic partner’s estate. Beneficiaries can also consult an attorney, from MetLife Legal Plans’ network of more than over 18,500 participating attorneys, for general questions about the probate process.

Grief Counseling³

Provides you and your dependents up to five private counseling sessions with a professional grief counselor — per event — to help cope with a loss, no matter the circumstances, whether it’s a death, an illness or divorce. Sessions may also be held over the phone.

Funeral Planning Assistance³

Services designed to simplify the funeral planning process for your loved ones and beneficiaries to assist them with organizing an event that will honor a loved one’s life from a self-paced funeral planning guide to services such as locating funeral homes, florists and local support groups.

Total Control Account®⁴

The Total Control Account (TCA) is a settlement option that provides your loved ones with a safe and convenient way to manage life insurance proceeds. They’ll have the convenience of immediate access to any or all of their proceeds through an interest bearing account with unlimited check-writing privileges. The Total Control Account also allows beneficiaries time to decide what to do with their proceeds.

Accelerated Benefits Option⁵

You can receive up to 50% of your annual renewable term life insurance proceeds to a maximum of $75,000 in the event that you become terminally ill and are diagnosed with less than 12 months⁶ to live. This can go a long way toward helping your family meet medical and other related expenses at this difficult time.

Dignity Memorial®⁷

Provides discounts of up to 10% off of funeral, cremation and cemetery services, expert assistance to help guide you and your family in making confident decisions, planning services to help make final wishes easier to manage, and bereavement travel services to assist with time-sensitive travel arrangements.

Learn More

Is a medical exam required?

You must complete a standard application. When you apply, simply answer the health questions. Even if you have a health condition, you may still qualify. Depending on the amount applied for, a paramedical exam and blood test may be required, which will be scheduled at your convenience and at no cost to you.

Will this plan pay in addition to other coverage?

Yes. The annual renewable plan pays in addition to any other insurance coverage you have. The plan also stays with you until your coverage ends — even if you change jobs. If also electing coverage under the 10-year or 20-year level term life insurance, a combined maximum benefit amount of $1,150,000 between the annual renewable term, 10-year, and 20-year level term life insurance plans will apply.

How long can my coverage continue?

Your coverage can continue as long as you pay your premium when due, have not reached age 70, remain in an eligible class, the insurance continues for your class, and the policy remains in force. Please see the certificate of insurance for details.

Would I have the ability to continue coverage, should my plan end?

Yes, in many instances. If your insurance ends for a reason other than non-payment of your premiums, you may be able to convert your coverage into a term life insurance policy from Metropolitan Life Insurance Company or an affiliate without providing evidence of insurability. Please see the certificate of insurance for details, including eligibility for conversion and amount of coverage that may be converted.

How do I pay for my coverage?

Please contact your plan administrator at 1-651-259-9001 for information about your payment options.

Are there any exclusions to my coverage?

Yes. Benefits will not be paid if the member’s or dependent’s death occurs from suicide, or if health is misrepresented, within 2 years from the date life insurance for you takes effect.

Help lower your and your family’s out-of-pocket costs on eye exams, glasses, lenses and more with Superior Vision Network Vision Insurance. With affordable co-payments and nationwide access to discounts, you’ll be seeing your way to clear savings in no time.¹

Eligibility

All National Armed Forces Association members² in good standing, their spouses/domestic partners, and dependent children³ may apply.

Summary of Covered Services — Superior Vision Network

To find a Superior Vision network provider go to:

https://www.metlife.com/insurance/vision-insurance/

Click on Find Vision Provider, Choose Superior Vision, & enter your zip code.

How do I pay for my coverage?

Discuss your payment options with your plan administrator.

Please contact your plan administrator at 1-651-259-9001 for information about your payment options.

Exclusions

This plan does not cover the following services, materials and treatments:

Services and Eyewear

• Services and/or materials not specifically included in the Summary of Benefits as covered Plan Benefits.
• Any portion of a charge in excess of the Maximum Benefit Allowance or reimbursement indicated in the Summary of Benefits.
• Any eye examination or corrective eyewear required as a condition of employment.
• Services and supplies received by you or your dependent before the Vision Insurance starts.
• Missed appointments.
• Services or materials resulting from or in the course of a Covered Person's regular occupation for pay or profit for which the Covered Person is entitled to benefits under any Worker's Compensation Law, Employer's Liability Law or similar law. You must promptly claim and notify the Company of all such benefits.
• Local, state, and/or federal taxes, except where MetLife is required by law to pay.
• Services or materials received as a result of disease, defect, or injury due to war or an act of war (declared or undeclared), taking part in a riot or insurrection, or committing or attempting to commit a felony.
• Services and materials obtained while outside the United States, except for emergency vision care.
• Services, procedures, or materials for which a charge would not have been made in the absence of insurance.
• Services: (a) for which the employer of the person receiving such services is required to pay; or (b) received at a facility maintained by the Employer, labor union, mutual benefit association, or VA hospital.
• Plano lenses (lenses with refractive correction of less than ± 0.50 diopter).
• Two pairs of glasses instead of bifocals.
• Replacement of lenses, frames and/or contact lenses, furnished under this Plan which are lost, stolen, or damaged, except at the normal intervals when Plan Benefits are otherwise available.
• Contact lens insurance policies and service agreements.
• Refitting of contact lenses after the initial (90 day) fitting period.
• Contact lens modification, polishing, and cleaning.

Treatments

• Orthoptics or vision training and any associated supplemental testing.
• Medical and surgical treatment of the eye(s).

Medications

• Prescription and non-prescription medications.

Important: If you or your family members are covered by more than one health care plan, you may not be able to receive benefits from both plans. Each plan may require you to follow its rules or use specific doctors and hospitals, and it may be impossible to comply with both plans at the same time. Before you enroll in this plan, read all of the rules very carefully and compare them with the rules of any other plan that covers you or your family.

Continuation of Coverage: Your coverage can continue as long as you pay your premium when due, remain a member, insurance continues for your class and the policy remains in force. Please see the certificate of insurance for details.