The group insurance policy providing coverage under this certificate ...

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Arkansas residents please be advised of the following:IMPORTANT NOTICEIF YOU HAVE A QUESTION CONCERNING YOUR COVERAGE OR A CLAIM,FIRST CONTACT YOUR GROUP EMPLOYER OR GROUP ACCOUNTADMINISTRATOR. IF, AFTER DOING SO, YOU STILL HAVE A CONCERN, YOUMAY CALL METLIFE'S TOLL-FREE TELEPHONE NUMBER:1-800-275-4638IF YOU ARE STILL CONCERNED AFTER CONTACTING BOTH YOUR GROUPEMPLOYER AND METLIFE, YOU SHOULD FEEL FREE TO CONTACT:ARKANSAS INSURANCE DEPARTMENTCONSUMER SERVICES DIVISION1200 WEST THIRDLITTLE ROCK, ARKANSAS 72204-1904iv
California residents please be advised of the following:IMPORTANT NOTICETO OBTAIN ADDITIONAL INFORMATION, OR TO MAKE A COMPLAINT,CONTACT METLIFE AT:METROPOLITAN LIFE INSURANCE COMPANY200 PARK AVENUENEW YORK, NY 10166-0188ATTN: CORPORATE CONSUMER RELATIONS DEPARTMENT1-800-275-4638IF, AFTER CONTACTING METLIFE REGARDING A COMPLAINT, YOU FEELTHAT A SATISFACTORY RESOLUTION HAS NOT BEEN REACHED, YOU MAYFILE A COMPLAINT WITH THE CALIFORNIA INSURANCE DEPARTMENT AT:CALIFORNIA DEPARTMENT OF INSURANCE300 SOUTH SPRING STREETLOS ANGELES, CA 900131-800-927-4357 (within California)1-213-897-8921 (outside California)v
Page 1: Metropolitan Life Insurance Company
Page 6 and 7: Georgia residents please be advised
Page 8 and 9: LIMITS ON AMOUNT OF COVERAGECaps ar
Page 10 and 11: Wisconsin residents please be advis
Page 13: PLAN HIGHLIGHTSThis Plan Highlights
Page 16 and 17: LimitationsLimitation for Pre-exist
Page 18 and 19: Continuity of Coverage upon Replace
Page 20 and 21: "Appropriate Care and Treatment" me
Page 22 and 23: Predisability Earnings"Predisabilit
Page 24 and 25: 2. you must promptly refund to us a
Page 26 and 27: 10. Third Party RecoveryThe amount
Page 28 and 29: A Pre-existing Condition is an inju
Page 30 and 31: 2. If your coverage ends because yo
Page 32 and 33: Method of PaymentWhen we determine
Page 34: "THIS IS THE END OF THE CERTIFICATE
Page 37 and 38: c. your Employer submitting updated
Page 39: There is no additional cost to you
Page 42 and 43: Other reasons we may disclose what
Page 44: DISCLOSURE:Vermont law grants parti

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