METLIFE SMALL BUSINESS BENEFITS
Benefits your team wants.
At a cost you can plan for.
Offer dental, vision, life and disability at no cost to your business*. Coverage your team will use from day one.
✓ Rates locked for 24 months
✓ For businesses with as few as two employees
✓ Enroll in less than 20 minutes
* On voluntary plans, employees pay the premium at group rates. You can also pay all or part of it.
Get your benefits quote
Already offer health insurance?
Your plan doesn’t cover everything.
Dental, vision, and disability fill the gaps your team notices most — and adding them won’t change what you pay for medical.
Not offering health insurance yet?
You can still offer real benefits.
Voluntary plans let your team enroll at group rates while costing your business nothing, so a benefits package stops being a question of budget.
01 LOW LIFT TO LAUNCH & RUN
Benefits Enrollment in Minutes
Enroll in less than 20 minutes. Or, simply get your free quote with no obligation to enroll.
02 PREDICTABLE COST
Rate Locked for 24 Months
When you choose an employee benefit plan through MetLife, your rate is locked in for two years. No increases. No surprises.
03 OFFERINGS
Compete for the People You Want
Offer what larger employers offer, including lifestyle benefits they often don’t. Nine product lines, including legal plans and identity theft protection.
04 FLEXIBLE COSTS
Benefits Without the Budget
Contribute what fits your budget, or nothing at all. Employer-paid, voluntary, or hybrid structures from MetLife.
BENEFITS THAT COMPETE
Offer what larger employers offer, including lifestyle benefits they often don’t. Nine product lines, including legal plans and identity theft protection.
Lifestyle
Legal Plans
Identity Theft
Bundled Coverage
Dental & Vision
Life & Disability
WHY METLIFE?
Simple setup.
Minimal admin.
Maximum value.
Enroll in under 20 minutes with most plans launched in under seven business days. Get up and running fast so you can stay focused on growing your business.
90%+
Cases Implemented in <7 Business Days
95%+
Response Rate Within 1 Business Day
24/7
24/7 Online Access to the Self-Service Portal
99%
Employer Satisfaction
96%
Employee Satisfaction with Claims Experience
Experienced Leader in non-medical group benefits
Nationwide PPO network
FREQUENTLY ASKED QUESTIONS
More information about what you need to know.
To qualify for MetLife group coverage as a business, your company needs at least two full-time employees (including the owner). All full-time, permanent employees of an employer are eligible for insurance under a group policy.
Partners, proprietors, and members of the firm must meet all requirements applicable to full-time or part-time employees to be eligible.
Yes, coverage like dental, vision, life insurance, etc., can be extended to spouses and/or children of any employees who enroll in coverage. You can decide if you want to contribute to the cost of their coverage.
You can apply for coverage at any time throughout the year. Your coverage will always begin on the first of the month, but you’ll need to submit your application at least two weeks before your desired effective date to ensure everything is processed on time. Each policy has a 12-month contract term, and we’ll reach out to you before your term expires to discuss your renewal options.
Yes, you may be eligible to take a deduction on the amount you contribute towards the premium cost on your employee’s behalf.
Employer-paid plans require you to pay part of the premium, which helps boost participation and strengthens your overall benefits offering. Voluntary plans are fully employee-paid and allow you to expand your benefits package without increasing your costs. You can also choose to offer both: provide core employer-paid benefits for all eligible employees and then offer voluntary “buy-up” options so employees can purchase additional coverage if they want more protection.
You decide the contribution amount. Many employers contribute enough to keep costs low for employees while staying within budget. Voluntary plans require no employer contribution at all.
Strong benefits are consistently one of the most influential factors in recruiting and retaining talent. Offering dental, vision, life, and disability shows employees you’re invested in their well-being. You even have the ability to offer “lifestyle benefits” such as legal and identity theft coverage to your employees. Having differentiating employee benefits like this can increase interest and retention.