Insurance Options

At Dot, we understand that even with strong benefits in place, life can throw you a curveball. Sometimes it’s an injury, an illness, a legal challenge, or even an unexpected expense for a beloved pet. These moments can bring emotional stress, and often financial strain.

Voluntary insurance options give you extra layers of protection so you can focus on getting back on your feet instead of worrying about how to cover the bills. These plans are offered at group rates and are completely optional—you choose what makes sense for you and your family.

Life Insurance

Life insurance is one of the ways Dot Foods helps support you and your family’s financial security. We offer several coverage options designed to provide peace of mind and protection when it matters most.

Coverage elections can typically be made during open enrollment or following a qualifying life event.

Note: All optional life insurance coverage amounts are subject to approval by the insurance carrier.

Want to explore your coverage options?

Accident Insurance

Accident insurance pays you a set amount for specific injuries caused by a covered accident. You can use this money however you need—such as to help pay your medical deductible, cover child care costs, hire help around the house, buy groceries, pay utilities, and more.

Covered accidents range from broken bones to burns to emergency room visits. Benefits are paid directly to you (unless you assign them) and can be used for expenses like:

• Ambulance rides
• Emergency room visits
• Surgery and anesthesia
• Prescriptions
• Major diagnostic testing
• Burns

Plan highlights:

• Guaranteed-issue coverage—no health questions required
• Benefits paid in addition to any other insurance you may have
• Money is paid directly to you for covered injuries

For more information, click here.

Critical Illness Insurance

Critical illness insurance pays a lump-sum benefit if you, your spouse, or your dependent child is diagnosed with a covered disease or condition. This cash benefit can be used for treatment costs, travel for care, household expenses, or anything else you need during recovery.

Covered illnesses include:

• Cancer (invasive and non-invasive)
• Heart attack (myocardial infarction)
• Stroke
• Kidney failure (end-stage renal failure)
• Major organ transplant
• Bone marrow (stem cell) transplant
• Sudden cardiac arrest
• Coronary artery bypass surgery
• Severe burn
• Coma
• Paralysis
• Loss of sight, hearing, or speech
• Skin cancer

Plan highlights:

• Coverage available for you, your spouse, and dependent children
• Benefits paid directly to you, unless otherwise assigned
• Option to keep coverage (with certain stipulations) if you change jobs or retire

Note: You’ll pay premiums for this coverage whether or not you are diagnosed with a covered condition. Be sure your Health Savings Account (HSA) is fully funded before enrolling in accident or critical illness insurance.

Identity Theft Insurance

Identity theft coverage includes monitoring of credit and non-credit loans, public records, national provider ID numbers, and internet/social media activity. It also offers proactive account monitoring for checking, savings, and brokerage accounts.

You do not have to be enrolled in Dot/DTI’s medical insurance to select this benefit.

For more information, click here.

Prepaid Legal Insurance

• Home and residential matters
• Financial and money matters
• Consumer issues
• Auto and driving matters
• Family and personal matters
• Civil lawsuits
• Estate planning and wills
• Elder law

For more information, click here.

Pet Insurance

MetLife Pet Insurance is coverage for dogs, cats, and some other pets that can help you be prepared for unexpected vet costs. With MetLife, pet parents have the power of choice to customize their pet insurance to meet their needs and also protect their health and well-being.

Get a quote or enroll by visiting www.metlife.com/getpetquote or calling 1-800-GET-MET8.