Small Business Products
MetLife offers a full range of solutions for small businesses
Benefits for Businesses in Any Stage
The workforce is changing at a rapid pace — especially for small to mid-sized business owners. That’s why we offer the widest range of employee benefits in the industry and are introducing Accident, Critical Illness, and Hospital Indemnity as supplemental health coverage for employers with as few as 10 employees. Combined with our best-in-class Dental, Vision, Life, and other enhanced benefits, we’ll help you build a benefits package that exceeds your employees’ expectations.
Ready to get started? Complete this simple form and our experts will reach out to guide you to the right benefits for both your business and your budget.
Benefits can help business owners attract and retain today’s top
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of employees who are reportedly satisfied with their benefits are also satisfied with their jobs.1
Ask your benefits broker for more information.
Product Offerings
Dental Insurance
Dental insurance is a smart way to protect both your smile and your wallet.
Vision Insurance
Protect your eyesight and your wallet with vision insurance.
Accident Insurance
Protection for life’s unexpected moments.
Critical Illness Insurance
Financial security when employees need it most.
Hospital Indemnity Insurance
Protection from costly hospital stays.
Life Insurance
With us by your side, you can help your employees protect their family should the worst happen while balancing your own costs
Disability Insurance
MetLife delivers streamlined, responsive care for all types of work leaves and may help your employees protect their income.
MetLife Legal Plans
Need access to expert legal help?
Health Savings & Spending Accounts
You can help your employees to save more for the unexpected, thanks to MetLife Health Savings & Spending Accounts.
Pet Insurance
A pet is more than just a pet – they are an essential part of the family.
From preventative care to major services, dental visits can often be expensive. Did you know that a crown can cost up to $1,535?2
A comprehensive benefits plan can help you afford appointments and prevent future issues.
Routine vision care visits are always included, and you get valuable coverage for glasses, contacts, and even laser vision correction services.3 Plus, enjoy discounts on vision wear and services.
Accidents happen. And while they can’t always be prevented, employers can provide their employees with financial support4 needed to help make their recovery less expensive and less stressful.
We’ll help you provide a group accident and health benefit plan that includes coverage for about 150 unforeseen events4, such as accidental death, hospitalization5, dismemberment, loss, and paralysis.
When a family member receives a critical illness diagnosis, the burden can be physically, emotionally and financially overwhelming. The help of a financial cushion4 can provide welcomed relief and allow employees to focus on getting back on track — without worrying about finding the extra cash to cover some of their expenses.
Offer coverage for a range of medical conditions, which may include heart attack6, cancer7, stroke8, kidney failure, and Alzheimer’s disease.9
Help protect employees from the out-of-pocket costs that often come with hospital stays, such as co-pays, deductibles, and out-of-network charges. Most medical plans don’t cover all costs, but you can help employees stay protected from the unexpected.
The average cost of a 3-day hospital stay is around $30,000.10 Hospital Indemnity insurance pays4 regardless of what your medical insurance covers.
It’s valuable protection that offers a wide range of coverage options for your entire family after you’re gone.
Review your life insurance needs regularly to help ensure adequate protection for your loved ones. It’s simple to determine the amount of coverage you may need now. Check out our calculator tool at metlifeiseasier.com to calculate how much life insurance may be right for you and your family.
Administering disability, absence, or leave management programs can be challenging and time consuming for any business. Count on us to deliver the right solution and minimize administration for your organization.
Special Considerations: If you have employees who work in a state with state-mandated disability or paid medical leave benefits (“State Benefits”), they should carefully consider whether to enroll for this coverage. In California, Hawaii, Massachusetts, New Jersey, New York, Puerto Rico, Rhode Island, Washington (and Connecticut starting 1/1/22, Oregon starting 1/1/23, and Colorado starting 1/1/24), if eligible, employees must apply for State Benefits. Your employees’ STD benefit will be reduced by State Benefits or other government benefits that apply. Depending on your employees’ compensation, the amount of the State Benefit, and other factors, they may only receive the minimum weekly benefit. Your employees should consider, based on their individual circumstances, whether they need additional coverage beyond the State Benefit.
For a low monthly cost, MetLife offers an extensive network of attorneys with unlimited usage.
Did you know 62% of working adults have been involved in a legal issue within the last three years.11
A suite of savings and spending solutions designed with your individual business needs in mind. Enjoy flexible plan options that meet individual employee needs and an HSA offering with robust investment options and interest rates on cash balances that are more than 3x the industry average.*
Many employees are likely to come home to a beloved cat and dog after they leave work for the day. By helping them care for their furry family members, you can give them the confidence that their pets are protected.
73% of millennial pet partners would go into debt to provide for their pet’s wellbeing.12
(Pet Insurance Underwritten and Issued by Independence American Insurance Company)
Build Your Benefits Package
MetLife’s small business solutions are designed to help you offer competitive benefits for your valued employees at competitive rates, including:
- Premium Discounts: When you bundle dental with one or more of our small business benefits, you'll save on your dental, life, disability and vision premiums.13
- Voluntary Benefits Value: Voluntary benefits such as accident coverage and legal services count as qualifying benefits to help maximize your overall discount. Including supplemental life coverage can give employees up to $100,000 in guaranteed issue coverage.
- Rate Guarantees: Packages may include multi-year rate guarantees that lock in your annual premium amount.14
Combine Your Coverage Options and Save
Packaging coverage options can give small business owners with 10-99 employees a cost-effective way to expand benefits offerings. Start with a dental plan as the base and select additional coverage options, and then add up the savings!
Facing Uncertainty
See how two vineyard owners balance both their small business and their family through both the good and bad times.
1 19th Annual MetLife EBTS study
2 American Dental Association; Dentists: Doctors of Oral Health, American Dental Association, Chicago, IL, http://www.ada.org/en/about-the-ada/dentists-doctors-of-oral-health. Accessed February 1, 2021.
3 Vision benefits are underwritten by Metropolitan Life Insurance Company, New York, NY. Certain claims and network administration services are provided through Vision Service Plan. In certain states, availability of MetLife’s group vision benefits is subject to regulatory approval. Vision Service Plan is not affiliated with Metropolitan Life Insurance Company or its affiliates.
4 Covered services/treatments must be the result of an accident or sickness as defined in the group policy/certificate. See your Disclosure Statement or Outline of Coverage/Disclosure Document for more details.
5 Hospital does not include certain facilities such as nursing homes, convalescent care or extended care facilities. See MetLife’s Disclosure Statement or Outline of Coverage/Disclosure Document for full details. For hospital indemnity insurance, there is a pre-existing exclusion for covered sicknesses. See your Disclosure Statement or Outline of Coverage/Disclosure Document for full details.
6 The Heart Attack Covered Condition pays a benefit for the occurrence of a myocardial infarction, subject to the terms of the certificate. A myocardial infarction does not include sudden cardiac arrest.
7 Please review the certificate for specific information about cancer benefits. In most states, not all types of cancer are covered.
8 In certain states, the Covered Condition is Severe Stroke.
9 Please review the Outline of Coverage for specific information about Alzheimer’s disease.
10 Source: Protection from high medical costs. https://www.healthcare.gov/why-coverage-is-important/protection-from-high-medical-costs/. Accessed September 2021.
11 CARAVAN survey conducted by ENGINE on behalf of MetLife Legal Plans, January 2020.
12 2019 Employee Benefit Adviser “5 benefit perks to entice top millennial talent to your clients”.
13 MetLife Simply Smart Bundles are available for groups with 10-99 eligible employees.
14 For Florida groups with 10–50 eligible employees, only 1-year rate guarantees are available on Dental and Vision plan designs. For Florida groups, 51-99 eligible lives are required to qualify for the guaranteed 6% rate cap on the dental plan upon renewal for a second year.
*MetLife Internal Analysis (last updated February 2022). Cash savings balances in an HSA earn interest through a funding agreement issued to the custodian bank, are not FDIC insured, and are subject to the financial strength and claims paying ability of Metropolitan Tower Life Insurance Company. The interest rate earned on the assets allocated to the funding agreement option are declared to the custodian and are guaranteed for at least 12 months from the date the interest rate is declared. There may be different interest rates applicable to different allocations depending upon when the allocation was made to the funding agreement option. The funding agreement option provides the investor with a stable rate of return over time. Metropolitan Tower Life Insurance Company may earn a spread from assets allocated to the funding agreement option available under HSAs.