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Employee COVID-19 FAQs

Your COVID-19 questions answered if your insurance policy was provided by your employer.

General policy information
Is there a COVID-19 exclusion on my policy? Collapsed Expanded

No.

If I contract COVID-19, am I eligible to be paid a Crisis Benefit? Collapsed Expanded

Not for COVID-19, as it is not one of the conditions listed for this benefit. However, if the virus results in more severe medical conditions that are covered and you meet the definition and any other policy terms, then you would be eligible to be paid a benefit under their Crisis Benefit.

N.B. Crisis Benefits are only available for policies held outside of superannuation and applicable to some employer policies only.

If I contract COVID-19 and needs to self isolate, am I eligible to be paid a benefit on the Nursing Care Benefit? Collapsed Expanded

You may be eligible to be paid a benefit on the Nursing Care Benefit if you are disabled and a medical practitioner has certified that you require the full-time care of a registered nurse for 3 or more consecutive days.

N.B. Nursing Care Benefit are only available for policies held outside of superannuation and applicable to some employer policies only.

If I contract COVID-19, am I eligible to be paid a benefit on my Total and Permanent Disablement (TPD) Cover? Collapsed Expanded

The current information available suggests most individuals who contract COVID-19 recover within 14 days and return to their normal activities. The long term health impacts or complications of COVID-19 remains unclear. If you have long term permanent health complications resulting from COVID-19, then you may be eligible to be paid a benefit under you TPD policy.

If I contract COVID-19, am I eligible to be paid a benefit on my Group Income Protection (GIP) cover? Collapsed Expanded

No, the you are only eligible to be paid a benefit on your GIP policy if you can’t work solely due to illness or injury and satisfy the nominated Waiting Period.

Will I still be covered by my MetLife group insurance policy if I travel internationally? Collapsed Expanded

Yes. Most of our group insurance policies provide worldwide insurance cover 24 hours a day.  Travel will be excluded while government enforced travel bans are in place and for travel to countries rated DFAT level 3 and 4 (which was the case prior to the government enforced travel ban) once the ban is lifted.  Please be aware that travel arrangements are required to be disclosed as part of any application for new or increased cover. 

What happens to my insurance if there are not enough funds in my superannuation account to cover my premiums? Collapsed Expanded

Your insurance will be cancelled if there are insufficient funds in your superannuation account to cover the cost of your premiums. If you wish for your insurance to continue, you will need to make sure there are funds in your superannuation account to cover the cost of insurance premiums.

If your insurance is cancelled and you still remain a member of your super fund, there are options for you to recommence your insurance. Please refer to the Insurance Guide or the Product Disclosure Statement on your fund’s website for conditions relevant to your fund.

Where can I find information on how to make a claim and the claims process? Collapsed Expanded

MetLife has developed the following information centre to provide you with more clarity around the claims process here.

Current claims
I have an existing Income Protection claim with MetLife, will you still be able to honour this claim? Collapsed Expanded

Yes, we will honour existing claims which continue to meet your policy terms and conditions. Our teams are all working remotely and are still here to support you throughout your claim. During these challenging and unpredictable times, our first priority is to continue providing support, responsiveness and service to our customers, including paying claims.

Is there any impact to the time it will take to review my claim? Collapsed Expanded

We’re currently experiencing larger than usual volumes of claims and time frames may be longer than expected. But rest assured your dedicated claims manager we will be in contact within 10 business days of receiving your claim to guide you through the process.

Applying for new or additional cover
If I am diagnosed with COVID-19, can I later apply for additional life insurance beyond what is provided by my employers Automatic Acceptance Limit (AAL)? Collapsed Expanded

Yes, you may apply for additional cover. However, MetLife will defer the underwriting decision for at least three months until the you have received a clean bill of health from your doctor confirming you are illness and symptom free and have no ongoing respiratory complications.

As a new or existing employee, will I still be eligible to receive default cover provided under the Automatic Acceptance Limit (AAL) of my employer? Collapsed Expanded

Yes. Standard policy terms and conditions will continue to apply to new employees, and you can continue to join a MetLife group insurance policy and receive default cover. Please check your Product Disclosure Statement and Policy Document for full details.

If I have visited a country or region considered a COVID-19 risk, can I still apply for additional life insurance cover (beyond the amount provided through my employer’s automatic acceptance limit)? Collapsed Expanded

MetLife will defer our underwriting decision until you have received a clean bill of health from your doctor confirming that you are illness and symptom free, after a minimum 14-day period of self-isolation. 

Impacts on employment
If I self-isolate without a positive diagnosis for COVID-19 and am unable to work, am I eligible to be paid a benefit on my Group Salary Continuance (GSC) or Income Protection (IP) cover? Collapsed Expanded

No, you are only eligible to be paid a benefit on their GSC or IP cover if you can’t work solely due to illness or injury and satisfy the nominated Waiting Period.

If I lose my job due to the economic impacts of COVID-19, am I eligible to be paid a benefit on my GIP cover? Collapsed Expanded

No, the you are only eligible to be paid a benefit on your GIP policy if you can’t work solely due to illness or injury and satisfy the nominated Waiting Period.

If I am stood down from my employment, will this impact my ability to claim for Income Protection (IP) benefits? Collapsed Expanded

No. As long as you meet the usual claim requirements and have an inability to work due to illness or injury.

If you are stood down as defined under the Fair Work Act you’re considered by MetLife to be on leave without pay. Generally, for super fund members on leave without pay, any benefits would commence at the end of that leave without pay period. If you are stood down due to COVID-19, MetLife will disregard this standard condition and will commence benefits at the end of the relevant waiting period. For more information on waiting periods, please read about the MetLife Claim Process here. Any minimum work hour requirements will still apply, based on the period prior to any stand down. Any benefits payable will typically be based on average income for the previous twelve months prior to the date of disablement.

Will my IP benefits payments be affected by the Government JobKeeper Payment? Collapsed Expanded

At this stage, no. If you are eligible to receive the Government JobKeeper Payment, MetLife will exclude that payment from any benefit offsets that usually would apply for new and existing claims in progress. MetLife will monitor this regularly and may choose to alter its position as the situation unfolds.

If I lose my job due to the economic impacts of COVID-19, can I still apply to increase my Death, TPD and or IP cover? Collapsed Expanded

You must be employed in order to be accepted for any new application or increase of TPD and IP cover. This is a standard underwriting approach for anyone applying for TPD and IP cover during periods of unemployment, unrelated to the developments of the COVID-19 pandemic. Both TPD and IP policies are primarily designed for those in gainful employment. The purpose of IP cover is to replace your employment income at the time a disability occurs. If you are not employed there may be no benefit to apply or increase for new IP cover.  

You can continue to apply and be accepted for Death cover whilst unemployed, subject to the underwriting terms offered.

If I lose my job, am stood down or have reduced working hours due to COVID-19, will this affect my Total and Permanent Disability (TPD) cover? Collapsed Expanded

If you lose your job, are stood down or have reduced working hours due to COVID-19, MetLife will assess your TPD claim using the applicable disability definition based on your working arrangements as at 11 March 2020 (when the World Health Organisation declared coronavirus to be a global pandemic), if you meet the following criteria:

  • you were working in your normal capacity on 11 March 2020;
  • you have had reduced working hours or lost your job due to COVID-19 since 11 March 2020;
  • you become disabled as a result of an illness or injury between 11 March 2020 and 1 January 2021 inclusive;
  • you have maintained your TPD cover at the time you become totally and permanently disabled; and
  • you lodged your completed claim form on or before 31 March 2021.
If my salary has been reduced due to the economic impacts of COVID-19, will this change my total and permanent disability (TPD) benefit (in instances where my TPD benefit is linked to my salary)? Collapsed Expanded

If you remain employed and your salary has been temporarily reduced due to the economic impacts of COVID-19, MetLife will calculate your TPD benefit (in instances where the design of your TPD benefit is linked to your salary) using your salary as at  11 March 2020 (when the World Health Organisation declared coronavirus to be a global pandemic). All other policy terms and conditions will continue to apply.

More information

If you require further information, please speak to your employer or broker.

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