Supplemental Term Life InsuranceLearn more and enroll in this important voluntary benefit.

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Having Life Insurance from MetLife is a great way to ensure that your loved ones will have financial security even if something happens to you. With this group life protection:

• There’s a wide range of coverage options to fit your needsand budget

• Your beneficiary will generally receive death proceedsincome-tax free

Plus, you’ll have access to MetLife AdvantagesSM — a comprehensive suite of valuable support, planning and protection services that include:5

Will Preparation3 —Offers you and your spouse face-to- face meetings with an attorney to prepare your will, or to review and modify an existing will, and other estate documents. In addition, you now have the ability to create wills, living wills and powers of attorneys online in as little as 15 minutes with our digital estate planning solution or choose to see an attorney in person to create the documents.

Grief Counseling4—Therapy to help you, your dependents and beneficiaries cope with grief and mourning following a death or a major life change (such as divorce, loss of employment, financial hardship and terminal illness).

Funeral Discounts and Planning Services4,5 —Helping to alleviate the burden of making funeral arrangements from your loved ones. Get access to the largest network of funeral homes and cemeteries to pre-plan with a counselor and receive discounts on funeral services.

Beneficiary Claim Assistance5 —Making the claims process easy. Your beneficiaries get guidance from experts

• Underwriting requirements, such as completing aStatement of Health, may be waived for newly eligibleemployees at certain coverage amounts

Effective 1/1/2022, you can get extra protection. Apply for supplemental life insurance or apply to increase your current level of coverage by answering six health questions.1

Apply during open enrollment between 10/18/2021 – 11/5/2021 for this limited-time opportunity.

as they work through their options and financial needs with our Delivering The Promise services.

Life Settlement Account7 —Reducing the pressure of immediate financial decisions. Your beneficiaries can take their time to make the right decision with the flexible settlement option that gives full access to policy funds while earning a guaranteed minimum interest rate.

Travel Assistance8 —Traveling with more peace of mind. Access to medical, travel, and concierge services—24 hours a day, 365 days a year when traveling internationally or domestically.

Estate Resolution Services9 —Settling an estate with confidence. With unlimited consultations, either in person with an attorney or by phone, including court representations, you can feel confident you’ve made the right decisions.

Portability10 —Helping to prevent gaps in your coverage. Take your life insurance benefits with you at competitive group rates.

Transition Solutions6 —Having assistance when moving on from a company. Receive help with time-sensitive benefit and financial decisions so you can make the right choices during employment transitions.

Supplemental Term Life Insurance

Coverage options

For you $10,000 increments to a maximum of $1,000,000

For your spouse/domestic partner $5,000 increments, up to 100% of your life coverage amount or $250,000

For your dependent children2 $10,000 or $20,000

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Frequently Asked Questions

Q. Who may use the Digital Estate Planning services?A. Our digital estate planning solution is available to youand your legally married spouse when you, the employee, isenrolled in Basic Life insurance coverage.

The process is designed to work for most people, but if there are aspects of your estate that are more complicated, you might be directed to reach out to one of our network attorneys instead of using the online process.

Q. How do I access these online estate planningservices?A. All you need to do is visit legalplans.com/estateplanningand follow the online instructions. You will need to create anaccount using the email and password of your choice.

Q. Can I still access the in-person Will Preparationservice?A. Yes. If you are eligible for MetLife’s Will Preparationservices today, you will continue to be able to work with anattorney directly for your estate planning needs.

Estate Planning

Create a Will and other important Estate Planning Documents in as little as 15 minutes

While you can’t predict life outcomes, you can help prepare for them with Digital Estate Planning, our new online estate planning solution.

With Digital Estate Planning11, included at no cost to you, we make it easier than ever to create and execute key estate planning documents online by answering a few simple questions. The best part is you can have your estate planning documents witnessed and notarized from the comfort of your home, with real time ID verification and video notary.

Documents included with Digital Estate Planning

Last Will and Testament—Leave property to loved ones and choose guardians for minor children

Advance Healthcare Directive (Living Will)—Plan for a medical emergency, select medical care preferences and choose a healthcare proxy

Durable Financial Power of Attorney—Choose someone to manage finances in case of an emergency

Did You Know?

76%While 76% of Americans surveyed acknowledge a Will is important, only 30% have one in place.12

The top reason for not creating a will was, “haven’t gotten to it yet.”12

Get started today at: legalplans.com/estateplanning

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Footnotes and Disclosures 1. MetLife will review your information and evaluate your request for coverage based upon your answers to the health questions, MetLife’s underwriting rules and other information you

authorize us to review. In certain cases, MetLife may request additional information to evaluate your request for coverage.

2. Child(ren)’s Eligibility: Dependent children ages from birth to 26, are eligible for coverage. In TX, regardless of student status, child(ren) are covered until age 25.

3. Will Preparation is offered by MetLife Legal Plans, Inc., Cleveland, Ohio. In certain states, legal services benefits are provided through insurance coverage underwritten by Metropolitan Property and Casualty Insurance Company and Affiliates, Warwick, Rhode Island. For New York sitused cases, the Will Preparation service is an expanded offering that includes office consultations and telephone advice for certain other legal matters beyond Will Preparation. Tax Planning and preparation of Living Trusts are not covered by the Will Preparation Service.

4. Grief Counseling and Funeral Planning services are provided through an agreement with LifeWorks. US Inc. LifeWorks is not an affiliate of MetLife, and the services LifeWorks provides are separate and apart from the insurance provided by MetLife. LifeWorks has a nationwide network of over 30,000 counselors. Counselors have master’s or doctoral degrees and are licensed professionals. The Grief Counseling program does not provide support for issues such as: domestic issues, parenting issues, or marital/relationship issues (other than a finalized divorce). For such issues, members should inquire with their human resources department about available company resources. This program is available to insureds, their dependents and beneficiaries who have received a serious medical diagnosis or suffered a loss. Events that may result in a loss are not covered under this program unless and until such loss has occurred. Services are not available in all jurisdictions and are subject to regulatory approval. Not available on all policy forms.

5. Services and discounts are provided through a member of the Dignity Memorial® Network, a brand name used to identify a network of licensed funeral, cremation and cemetery providers that are affiliates of Service Corporation International (together with its affiliates, “SCI”), 1929 Allen Parkway, Houston, Texas. The online planning site is provided by SCI Shared Resources, LLC. SCI is not affiliated with MetLife, and the services provided by Dignity Memorial members are separate and apart from the insurance provided by MetLife. Not available in some states. SCI offers planning services, expert assistance, and bereavement travel services to anyone regardless of affiliation with MetLife. Discounts through Dignity Memorial’s network of funeral providers have been pre-negotiated. Not available where prohibited by law. If the group policy is issued in an approved state, the discount is available for funeral services held in any state except KY and NY, or where there is no Dignity Memorial presence (AK, MT, ND, SD, and WY). For TN, the funeral services discount is available for “At Need” services only. Not approved in AK, FL, KY, MT, ND, NY and WA.

6. MetLife administers the Transition Solutions program, but has arranged to have specially-trained third party financial professionals offer financial education and, upon request, provide personal guidance to employees and former employees of companies providing this program through MetLife.

7. Subject to state law, and/or group policyholder direction, the Total Control Account (TCA) is provided for all Life and AD&D benefits of $5,000 or more. The TCA is not insured by the Federal Deposit Insurance Corporation or any government agency. The assets backing TCA are maintained in MetLife’s general account and are subject to MetLife’s creditors. MetLife bears the investment risk of the assets backing the TCA, and expects to earn income sufficient to pay interest to TCA Account holders and to provide a profit on the operation of the TCAs.

8. Travel Assistance services are administered by AXA Assistance USA, Inc. Certain benefits provided under the Travel Assistance program are underwritten by Certain Underwriters at Lloyd’s London (not incorporated) through Lloyd’s Illinois, Inc. Neither AXA Assistance USA Inc. nor the Lloyd’s entities are affiliated with MetLife, and the services and benefits they provide are separate and apart from the insurance provided by MetLife.

9. MetLife Estate Resolution Services are offered by MetLife Legal Plans, Inc., Cleveland, Ohio. In certain states, legal services benefits are provided through insurance coverage underwritten by Metropolitan Property and Casualty Insurance Company and Affiliates, Warwick, Rhode Island. Certain services are not covered by Estate Resolution Services, including matters in which there is a conflict of interest between the executor and any beneficiary or heir and the estate; any disputes with the group policyholder, MetLife and/or any of its affiliates; any disputes involving statutory benefits; will contests or litigation outside probate court; appeals; court costs, filing fees, recording fees, transcripts, witness fees, expenses to a third party, judgments or fines; and frivolous or unethical matters.

10. To the maturity age specified in the certificate.

11. Digital Estate Planning is not available for customers sitused in FL or located in GU, PR and VI. It is not included with dependent life coverages or certain GUL/GVUL policies. Domestic Partnerships are not currently supported; however, members in a domestic partnership may use a MetLife Legal Plans attorney for their planning needs. Online Notary is not available in all states. If you are unable to access the legalplans.com/estateplanning website, you can find a network attorney by calling MetLife Legal Plans at 1-800-821-6400, Monday through Friday, 8am-8pm EST. You will need to provide your company name, customer number and the last 4 digits of the policyholder’s social security number. Group legal plans are provided by MetLife Legal Plans, Inc., Cleveland, OH. In certain states, group legal plans are provided through insurance coverage underwritten by Metropolitan Property and Casualty Insurance Company and Affiliates, Warwick, RI.

12. MetLife’s 2020 Premature Death Study.

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Visit www.metlife.com/sutter-health or scan the QR code.

To enroll in Supplemental Term Life, visit Sutter’s benefit enrollment site: https://mybenefits.ehr.com/ess or scan the QR Code.

For questions on enrolling in MyBenefits, call the Sutter Health Employee Line at 1-916-297-8300 or 1-855-398-1631.For questions regarding Supplemental Term Life, please call the Sutter Heath Employee Line at 1-916-297-8300 or 1-855-398-1631.

How do I learn more?

How do I enroll?

Questions?

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