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Insurance Benefits to Protect You and Your Assets

At Discounted CAP Member Rates For a Limited Time

Hurry! Open Enrollment Ends November 15, 2023.


Between now and November 15, take advantage of significantly discounted personal insurance benefits offered through CAP Physicians Insurance Agency, Inc. (CAP Agency) in partnership with MetLife. Now is the time to compare your current insurance plans and increase or purchase new coverage. Coverage takes effect January 1, 2024.

Protect you and your family against unexpected life events that could threaten your financial security and well-being.

Income Protection

Safeguard Your Income in Case of an Accident or Illness

Short-Term Disability¹ – $1,000 weekly benefit paid in addition to state disability benefits. Supplements 90-day elimination period of Long-Term Disability policy.¹

Long-Term Disability1,2 – Up to a $10,000 maximum monthly benefit available, or 60% of your income.

No Medical Exam Required!

Family Protection

Financial Security for You and Your Family

Life Insurance3,4 – New CAP members can get up to $500,000 in coverage in their first 90 days, and current members can add $50,000 of additional coverage without a medical exam.

Personal Protection

Added Peace of Mind for Your Security

Legal Plans – Experienced attorneys can help with estate planning, home sales, tax audits, and more.

Identity and Fraud – Fraud protection, digital security, and identity theft protection, under one plan.


Medical Protection

When Your Health Plan Coverage Isn’t Quite Enough

Dental & Vision – Multiple coverage options available with a wide range of in-network and out-of-network providers.

Accident Insurance Benefits – Scheduled benefits up to $50,000 for unforeseen accidents or injuries.

Critical Illness Insurance5 – Lump sum payment up to $30,000 when you or your covered dependents are diagnosed with a critical illness.

Hospital Indemnity Insurance – Up to $2,000 for hospital admission and $400/day for 15 days. No pre-existing condition exclusions.


Coverage Takes Effect January 1, 2024.

Enroll Now!



For questions or help enrolling, contact CAP Agency:

Call: 800-819-0061, Press 5 or


*To safeguard member confidentiality, the Social Security number in the system will be displayed as the last four digits of your CAP member number.

*To be eligible, you must be working in healthcare at least 17.5 hours/week and cannot be currently disabled or at the time coverage becomes effective. Other limited time pre-existing condition exclusions may apply.

¹Limited time pre-existing condition exclusions apply.

²Income from the tax year immediately prior will be used to determine benefit at time of claim.

³Members covered by CAP longer than 90 days and not previously enrolled in supplemental life coverage.

4No medical underwriting required if currently enrolled in supplemental life insurance benefits under the $500,000 maximum. (Underwriting required for new policyholders.) Increase above the additional $50,000 available with Statement of Health.

5Additional benefits details are available in the Resources section of the enrollment portal.