Additional benefits

Supplemental life insurance provides an added lump-sum payment to your beneficiaries beyond the basic life insurance coverage Rich's already provides, helping support expenses like mortgage or rent payments, education costs, everyday bills, or future financial needs. You can also choose supplemental life insurance coverage for your spouse and eligible dependents.

Disability insurance works alongside your medical coverage by providing payments directly to you, helping cover expenses like bills, groceries, childcare, or savings protection while you’re unable to work. Available short- and long-term disability benefits vary based on your state laws, collective bargaining agreement, and, in some locations, paid leave requirements.

AD&D coverage provides a lump-sum benefit if you experience a covered accidental injury or death. Benefits are paid directly to you or your beneficiaries to help cover medical bills, household expenses, or other financial needs. Rich’s provides basic AD&D coverage at no cost, with additional coverage available through convenient payroll deductions.

Critical illness coverage provides a lump-sum payment if you’re diagnosed with a covered condition, helping you manage expenses like medical bills, household costs, childcare, or other financial needs.

Provided as a lump-sum payment to you when you are admitted to hospital for a covered stay, hospital indemnity insurance can be used to cover expenses like medical bills, household costs, childcare, or other financial needs. Designed to complement your medical coverage and those in a high-deductible health plan, it’s an easy and affordable benefit to maintain through convenient payroll deductions.

Provided as a cash payment directly to you, accident insurance can help cover expenses like medical bills, household costs, childcare, or other financial needs after a covered accident that did not occur at work. Designed to complement your medical coverage, this affordable benefit is available for you and your eligible family members, with high and low plan options through convenient payroll deductions.

This service from Aura by MetLife monitors your credit reports, public records, and the dark web for suspicious activity, helping alert you quickly so you can take steps to protect yourself. It also provides helpful tools, guidance, and recovery support if identity theft occurs.

Reimbursements can help cover eligible veterinary expenses such as surgeries, diagnostics, prescriptions, and, in some plans, preventive care. Most plans also let you visit the veterinarian of your choice.

Legal plans give you access to attorneys for help with everyday legal matters such as drawing up wills or reviewing a lease, without big legal fees.