Accident Insurance

Accident insurance provides a lump sum payment to help pay for expenses that medical insurance doesn’t cover if you are injured in an accident.

Enroll today for accident insurance

Don’t choose between getting the care you need and keeping your finances on track. Open enrollment is from 11/02/2020 - 11/16/2020.

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 insurance 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

Accident Insurance FAQs
Am I eligible to enroll for this coverage? Collapsed Expanded

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.

I have a good medical plan at work, so why do I need accident insurance? Collapsed Expanded

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 for 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.

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

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.

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

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.

If my employment status changes, can I take my coverage with me? Collapsed Expanded

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

Can I use the benefit payment on anything I need? 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 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.

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 are benefit reductions that begin at age 65, if applicable. Like most group accident and health insurance policies, policies offered by MetLife may include waiting periods and 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, NY. Hospital does not include certain facilities such as nursing homes, convalescent care or extended care facilities. See MetLife’s Disclosure Statement or Outline of Coverage/Disclosure Document for full details.