Accident Insurance

Focus on recovery—not on your finances.

Help alleviate the added costs that may result from an accident with MetLife Accident Insurance.

Accidents happen every 2 seconds at home and every 7 seconds on the road.1 And accidents can be expensive; each trip to the emergency room costs an average of $1,233.2 Expenses can add up quickly.

Protect your family’s budget by enrolling for MetLife Accident Insurance today. Here’s why:

  • You get broad coverage
    More than 150 events and services, such as fractures, 2nd & 3rd degree burns, and treatments resulting from an accident are covered.
  • Payments are made directly to you.
    You decide how to spend the money: Pay for medical expenses not covered by your plan, like copays or deductibles, or for non-medical needs like household bills, childcare, or home modifications.
  • You won't be denied coverage
    You and your eligible family members are guaranteed coverage, as long as you are actively at work.3 That means no medical exam and no hassle.
  • It’s less expensive than you may think.
    Take advantage of employee rates when applying for coverage through your employer.

Accident Insurance

How can having MetLife Accident Insurance benefit you?

  • This plan provides a lump-sum payment for over 150 different covered events, such as these:
    Fractures4, dislocations4, second and third degree burns, skin grafts, torn knee cartilage, ruptured disc, concussions, cuts/lacerations, eye injuries, coma, broken teeth.
  • You receive a lump-sum payment when you have these covered medical services/treatments:5 
    Ambulance, emergency care, inpatient surgery, outpatient surgery, medical testing benefits (including X-rays, MRIs, CT scans), physician follow-up visits, transportation, therapy services (including physical and occupational therapy, speech therapy).

This plan provides protection 24 hours a day — while on or off the job. See your Disclosure Statement or Outline of Coverage/Disclosure Document for full details on your coverage.

Type Weekly (52) Bi-Weekly (26)
Employee Only $2.51 $5.02
Employee + Spouse $4.61 $9.22
Employee + Children $5.45 $10.90
Employee + Spouse/Children $6.82 $13.64

FAQs

Who is eligible to enroll for this accident coverage? Collapsed Expanded

You are eligible to enroll yourself and your eligible family members. You need to enroll during your Enrollment Period and be actively at work for your coverage to be effective.

I have a good medical plan at work. Why do I need accident insurance? Collapsed Expanded

Because accidents can happen anytime, anywhere, when you least expect them, and they can be costly. You hurt your back while doing home repairs, your child is injured while on the playground or playing sports, or your spouse slips on the stairs.

Even quality medical plans can leave you with extra expenses to pay. Costs like plan deductibles, copays for doctor and emergency room care, testing and supplies, or extra costs for out-of-network care may not be covered. Many people aren’t financially prepared to handle these extra costs. Having the extra financial support if the time comes may mean less worry for you and your family.

Can I enroll for this insurance without having to take a medical exam? Collapsed Expanded

Yes! Your accident coverage is guaranteed issue,3 which means your acceptance is guaranteed, regardless of your health. You just need to be actively at work for your coverage to be effective. There are no medical exams to take and no health questions to answer.

How do I pay for my coverage? Collapsed Expanded

Premiums will be conveniently paid through payroll deduction, so you don’t have to worry about writing a check or missing a payment.

Is there a waiting period before my coverage begins? Collapsed Expanded

No. Your coverage will be in force on the effective date of your coverage. There are no waiting periods to satisfy.

Are benefits paid directly to me or to my health care provider? Collapsed Expanded

Payments will be paid directly to you, not to the doctors, hospitals or other health care providers. You will receive a check, payable to you, for maximum convenience.

What happens if my employment status changes? Can I take my coverage with me? Collapsed Expanded

Yes, you can take your accident insurance coverage with you.6 You will need to continue to pay your premiums to keep your coverage in force. Your coverage will only end if you stop paying your premium or if your employer offers you similar coverage with a different insurance carrier.

Does this plan help me cover any other out-of-pocket costs? Collapsed Expanded

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 National Safety Council Injury Facts, 2015 Edition. Itasca, IL (based deaths and medically consulted injuries by class, 2013).

2 “Outrageous E.R. Hospital Charges: What to Do,” FoxBusiness.com. June 27, 2013.

3 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.  

4 Chip fractures are paid at 25% of Fracture Benefit and partial dislocations are paid at 25% of Dislocation Benefit.

5 Covered services/treatments must be the result of a covered accident as defined in the group policy/certificate.
See your Disclosure Statement or Outline of Coverage/Disclosure Document for more details.

6 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.

METLIFE'S ACCIDENT INSURANCE IS A LIMITED BENEFIT GROUP INSURANCE POLICY. The policy is not intended to be a substitute for medical coverage and certain states may require the insured to have medical coverage to enroll for the coverage.  The policy or its provisions may vary or be unavailable in some states. There is a preexisting condition limitation for hospital sickness benefits, if applicable. MetLife’s Accident Insurance may be subject to benefit reductions that begin at age 65. And, like most group accident and health insurance policies, polices offered by MetLife may contain certain exclusions, limitations and terms for keeping them in force.  For complete details of coverage and availability, please refer to the group policy form GPNP12-AX or contact MetLife. Benefits are underwritten by Metropolitan Life Insurance Company, New York, New York.