Open Enrollment for 2027 benefits is Oct. 26–Nov. 16, 2026. to learn more about new voluntary benefit options.
Voluntary Benefits
Eligible employees can enroll in optional supplemental coverage to help pay for out-of-pocket expenses not covered by medical and other insurance. CMU's voluntary benefits are provided through MetLife, Norton and Wagmo.
Accident Insurance Through MetLife
Accident Insurance can help you pay for costs not covered by your medical insurance. There are over 150 covered events associated with an accident that could trigger benefits, including various injuries, hospitalization, medical services and treatments.
Coverage Features
- Guaranteed acceptance for you and other eligible family members.¹
- Payments made directly to you.
- $50 annual qualified health screening benefit per covered individual.
- Coverage is portable, meaning you can take it with you if your employment status changes.²
Accident Insurance Rates
Monthly, post-tax rates are shown. Divide rate by two for biweekly, post-tax rates.
| Coverage Level | Rate |
| Employee only | $8.23 |
| Employee and spouse/partner | $16.21 |
| Employee and child(ren) | $19.63 |
| Family | $23.05 |
Plan Documents
Critical Illness Insurance Through MetLife
Critical Illness Insurance pays a lump sum benefit directly to you if you are diagnosed with a covered illness that meets the plan criteria. The benefit is paid in addition to any other insurance coverage you may have.
Coverage Features
- Guaranteed acceptance for you and other eligible family members.¹
- Payments made directly to you.
- $75 annual qualified health screening benefit per covered individual.
- Coverage is portable, meaning you can take it with you if your employment status changes.²
Critical Illness Rates
Monthly, post-tax rates per $1,000 of coverage. You can elect up to $40,000 of coverage. Divide rate by two for biweekly, post-tax rates.
| Age | Employee | Employee and Spouse/Partner | Employee and Child(ren) | Family |
| <25 | $0.38 | $0.76 | $0.74 | $1.12 |
| 25–29 | $0.42 | $0.83 | $0.78 | $1.20 |
| 30–34 | $0.47 | $0.95 | $0.84 | $1.32 |
| 35–39 | $0.61 | $1.22 | $0.97 | $1.58 |
| 40–44 | $0.79 | $1.58 | $1.15 | $1.95 |
| 45–49 | $1.04 | $2.09 | $1.41 | $2.46 |
| 50–54 | $1.39 | $2.78 | $1.76 | $3.14 |
| 55–59 | $1.88 | $3.74 | $2.25 | $4.10 |
| 60–64 | $2.46 | $4.86 | $2.82 | $5.22 |
| 65–69 | $3.10 | $6.12 | $3.46 | $6.49 |
| 70–74 | $4.02 | $7.94 | $4.38 | $8.30 |
| 75+ | $5.42 | $10.74 | $5.78 | $11.11 |
Plan Documents
Hospital Indemnity Insurance Through MetLife
Hospital Indemnity Insurance benefits can help pay for out-of-pocket costs if you are admitted or confined to a hospital due to events such as illness, injury or childbirth.
Coverage Features
- Guaranteed acceptance for you and other eligible family members.¹
- Payments made directly to you.
- $50 annual qualified health screening benefit per covered individual.
- Coverage is portable, meaning you can take it with you if your employment status changes.²
Hospital Indemnity Insurance Rates
Monthly, post-tax rates are shown. Divide rate by two for biweekly, post-tax rates.
| Coverage Level | Rate |
| Employee only | $14.73 |
| Employee and spouse/partner | $31.29 |
| Employee and child(ren) | $22.49 |
| Family | $39.00 |
Plan Documents
Legal Insurance Through MetLife
MetLife Legal Insurance gives you access to thousands of in-network attorneys in all 50 states, specializing in various areas of law for a low monthly cost. Covered services include wills, traffic issues, real estate, document preparation, family law, estate planning and more.
The monthly, post-tax rate for Legal Insurance is $15.75 for all coverage levels.
Norton LifeLock Identity Theft Protection
Norton LifeLock provides all-in-one protection against threats to your identity, security and privacy. .
Coverage Features:
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LifeLock Identity Theft Protection monitors for fraudulent use of your Social Security number, name, address and date of birth in applications for credit and services. The patented system sends alerts when a potential threat is detected.
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Norton Online Privacy protects devices on vulnerable connections through bank-grade encryption to keep information private. Norton also scans common public people-search websites for your info and helps you easily opt-out.*
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Norton Device Security provides multi-layered, advanced security to help protect devices against existing and emerging malware threats, including ransomware, and helps protect private and financial information when you go online.*
- View the for a full list of plan features.
*These features are not enabled upon enrollment. Members must take action to activate this protection.
Norton LifeLock Rates
Monthly, post-tax rates are shown. Divide rate by two for biweekly, post-tax rates.
| Coverage Level | Rate |
| Employee | $8.99 |
| Family | $14.98 |
Access the Plan Features
Download the to access plan features and updates.
Wagmo Pet Wellness
Get reimbursed for everyday pet care. Wagmo Wellness Plans make it easier to stay on top of your pet s health by taking care of routine essentials like grooming, vaccines and checkups. Plus, get unlimited 24/7 virtual care with VETalk and exclusive discounts from your favorite pet brands. .
Please note: Wagmo Pet Wellness is not a pet insurance plan and does not reimburse for accident or illness-related expenses.
Comprehensive Wellness Plans to Choose From
| Plan Feature | Value | Classic | Deluxe |
| Routine Exams | 1/yr up to $100 | 1/yr up to $100 | 2/yr up to $200 |
|---|---|---|---|
| Vaccines | 2/yr up to $100 | 3/yr up to $150 | 4/yr up to $200 |
| Routine Bloodwork | 1/yr up to $100 | 1/yr up to $100 | 1/yr up to $100 |
| Fecal Test | 1/yr up to $50 | 1/yr up to $50 | 1/yr up to $50 |
| Urinalysis | 1/yr up to $50 | 1/yr up to $50 | |
| Flea/Tick/Heartworm | $100/yr | $200/yr | |
| Grooming | $100/yr | $200/yr | |
| Dental | $100/yr | ||
| VETalk (pet telehealth) | Unlimited | Unlimited | Unlimited |
| VETalk (virtual training) | 3 sessions/yr | ||
| Rate per pet (up to five cats and/or dogs) |
$22 | $40 | $58 |
Activate Your Account
On your benefit effective date (Jan. 1 if you enrolled during Open Enrollment), watch for a welcome email from Wagmo with instructions. Didn't get the email? Visit .
Submit a Claim
- Visit any licensed vet or service provider in the U.S.
- Pay your provider at the time of service. Then and select "Make A Claim."
- Upload a photo or document of your vet bill. Your invoice should include the name of the provider, date and time of the appointment, the total cost of all services provided including taxes, and proof of payment.
- After submitting your claim, you'll get an email from Wagmo with your claim number. You can monitor the status of your claim through your claims dashboard. Wellness claims are processed within 24 hours.
Plan Document
¹Coverage is guaranteed provided (1) the employee is actively at work and (2) dependents to be covered are not subject to medical restrictions as set forth on the enrollment form and in the Certificate. Some states require the insured to have medical coverage. Additional restrictions may apply to dependents serving in the armed forces or living overseas.
²Eligibility for portability through the Continuation of Insurance with Premium Payment provision may be subject to certain eligibility requirements and limitations. For more information, contact your MetLife representative.