Accident Insurance

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Don’t choose between getting the care you need and keeping your finances on track. Open enrollment is from October 29 – November 16.

Enroll now

A serious injury didn’t trip up Harper’s financial security

The last thing Harper expected during her morning run was a broken leg. Fortunately, she has Accident Insurance. So, all she has to worry about is getting better.

Accident Insurance

Take comfort knowing you have financial support for accidents

When unexpected injuries lead to unexpected expenses, your accident insurance provides money to cover bills, co-pays, transportation, childcare and more.

  • You’ll receive a lump sum payment to use as you see fit, paid directly to you
  • The plan pays no matter what your medical covers
  • May cover accident-related events, such as: sports injuries, auto accidents, bicycle accidents, broken bones, knee injuries and falls

Did you know 30.8 million annual ER visits are related to unintentional injuries?1

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Accident FAQ’s

Yes, you can enroll both yourself and eligible family members. All you need to do is enroll during your enrollment period, and be actively at work.

Accidents can happen anytime, anywhere and always when you least expect them. What’s more they can be costly. 

Even the best medical plans can leave you with extra expenses to pay or services that just aren’t covered. Things like plan deductibles, copays, extra costs for out-of-network care, or non-covered services. Many people aren’t prepared to handle these extra costs, so having this extra financial support when the time comes may mean less worry for you and your family.

Yes. Your accident coverage is guaranteed2, regardless of your health. You just need to be actively at work to be covered. There are no medical exams to take and no health questions to answer, so the whole process might be easier than you first thought.

Payments will be paid directly to you, not to the doctors, hospitals or any other health care providers. And to make things even easier, the check is made payable to you. There’s no need to work it around any other insurance you may have. Benefits are paid no matter what your other insurance plans may cover.

Yes. This coverage is portable, meaning you can take it wherever you go. Your coverage will only end if you stop paying your premium or if your employer offers you similar coverage with a different insurance carrier.3

Yes, you can use your payment as you see fit. Use it to help cover your medical insurance deductibles, copays, household bills, and more.

1 Source: Centers for Disease Control and Prevention: Accidents or Unintentional Injuries. Emergency department visits. https://www.cdc.gov/nchs/fastats/accidental-injury.htm. Accessed August 2018.

2 Coverage 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 apply to dependents serving in the armed forces or living overseas.

3 Eligibility 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.