10 A family survivor benefit pays your spouse, registered domestic partner or children a lump-sum benefit equal to six months of your gross disability payment following your death. This benefit is payable if your disability had continued for at least six months prior to your death, and you were receiving or were entitled to receive payments under the plan. Agent Assistance Program All agents and district managers have access to the Agent Assistance Program regardless of enrollment in the MetLife LTD Plan. All of us, at one time or another, experience problems that are difficult to handle. MetLife provides trained and experienced counselors that can help you identify and resolve your problems and those of any family member in a professional, confidential manner. Some of the issues the MetLife Agent Assistance Program can help you with include stress, financial issues, parenting, legal concerns, workplace issues, childcare, elder care, alcohol and/or drug abuse, communication skills and other matters of concern. You and the members of your household are allowed up to five counseling sessions per incident per year and services can be received in any of three ways — by calling the Agent Assistance Program’s toll-free number, by making an appointment with an Agent Assistance Program counselor or by visiting the Agent Assistance Program’s website at metlifeeap.lifeworks.com, username: metlifeeap and password: eap. The program is available 24 hours a day, 7 days a week, 365 days a year through Agent Assistance Program toll-free number 888.319.7819. Terminal illness benefit If you become terminally ill while you are disabled and are not expected to live more than 12 months, you may be eligible for a terminal illness benefit. The terminal illness benefit increases your monthly disability payment to 80 percent of the first $25,000 of your pre-disability commissions for a maximum of 12 consecutive monthly payments. You also may elect to receive a single lump-sum benefit. You or your legal representative must send MetLife a signed physician’s certification documenting your terminal illness. In addition, MetLife may request an examination by a physician of their choice, at their expense.
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