Personal Accident Insurance

Focus on recovery—not on your finances.

Accidents can happen—and change your life in an instant.

Rehab and therapy expenses, co-pays and deductibles, and lost income can add to the  burden of a serious accident. Personal accident insurance can help cover these unexpected out-of-pocket costs that aren’t covered by your medical plan. Effective premiums will be slashed in half, and new enhancements will be added to the plan, including:

  • Paralysis Modification Benefit
  • Outpatient IV Infusion
  • Coverage for child care expenses — 5 days per accident, 10 days annually
  • Skilled Nursing Facility/Home Care and Puncture Wound Benefit
  • This plan provides a lump-sum payment for over 150 different covered events, such as these:
    Fractures1, dislocations1, 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 as the result of an accident occurring outside of work:2 
    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).
  • 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.
  • Access to additional services.
    Amazon offers Social Security Disability Advocacy and Advisory Services (DAS), provided through SSDC Services Corp (SSDC), as an added service that is included as part of Amazon’s employee-paid Personal Accident and Critical Illness insurance plans. Amazon’s employees enrolled in the Personal Accident and Critical Illness plans have access to the DAS benefit4, which can help you obtain Social Security Disability Income benefits if your accident or illness is serious enough for you to be permanently disabled for at least twelve months.To determine if your accident and disability qualify for Disability Advocacy Services through SSDC, call SSDC Services Corp. at 866-587-2853.4

This plan provides protection for covered events experienced while off the job only. 

FAQ Flyer

View Plan Details

What is covered?

Here are some of the more utilized covered events/services. 

Benefit Type2 MetLife Accident Insurance Pays YOU
Injuries  
Fractures1 – Closed $320 – $4,000
Fractures1 - Open $640 - $8,000
Dislocations1 - Closed $25 - $3,000
Dislocations1 - Open $50 - $6,000
Second and Third Degree Burns $100 - $20,000
Concussions $200
Cuts/Lacerations $25 – $400
Eye Injuries $250
Broken Tooth Benefit Crown = $150, Extraction = $50, Filling = $10
Puncture Wound  $75
Modification Benefit  $5,000
Skilled Nursing Facility/Home Care  $100
Medical Services & Treatment  
Ambulance Ground transportation $200, Air transportation $1,000
Emergency Care Emergency Room - $100
Physician’s Office - $30
Urgent Care - $30 
Physician Follow-Up $30
Therapy Services
(including physical therapy, cognitive behavioral, occupational, respiratory, speech and vocational)		 $15 - $30
Medical Testing Benefit – CT, CAT, MRI/MR, EEG, Ultrasound, NCV $200
Medical Testing Benefit – X-ray $125
Prosthetic Device Benefit $500
Medical Appliances Up to $100
Blood/Plasma/Platelets $100
Transportation Benefit $300
Inpatient Surgery Up to $1,000
Outpatient Ambulatory Surgery $100
Hospital5 Coverage (Accident)  
Admission $1,000 per accident
Confinement (non-ICU confinement paid for up to 60 days. Supplemental ICU confinement benefit paid for up to 15 days.) $200 (non-ICU)
$200 (ICU), per day
Coma $10,000
Inpatient Rehab (paid per accident) $75 a day, up to 15 days
Paralysis Benefit Two Limbs (paraplegia or hemiplegia) - $5,000
Four Limbs (quadriplegia) - $10,000

Outpatient IV Infusion Therapy Benefit		  
Outpatient IV Infusion Therapy 2 time(s) per accident;
4 time(s) per calendar year		 $75
Other Benefits  

Child Care Benefit – for care at a childcare center while hospitalized		 $100 per day, 5 days per accident
Lodging6 - Pays for lodging for companion up to 30 nights per calendar year $100 per night, up to 30 days, up to $3,000 in total lodging benefits available per calendar year


For additional details or to confirm benefits under your plan, consult your member certificate or Outline of Coverage.

Benefit Payment Example

The example below illustrates an employee who elected the Family Accident plan.

Kathy’s daughter, Molly, plays soccer on the high school team. During a game, she collided with an opposing player, was knocked unconscious and taken to the local emergency room by ambulance for treatment. The ER doctor diagnosed a concussion and a broken tooth. He ordered a CT scan to check for facial fractures too, since Molly’s face was very swollen. Molly was released to her primary care physician for follow-up treatment, and her dentist repaired her broken tooth with a crown. Depending on her health insurance, Kathy’s out-of-pocket costs could run into hundreds of dollars to cover expenses like insurance co-payments and deductibles. MetLife Group Accident Insurance payments can be used to help cover these unexpected costs.

Covered Event2 Benefit Amount7
Ambulance (ground) $200
Emergency Care $100
Physician Follow-Up ($30 x 2) $60
Medical Testing $200
Concussion $200
Broken Tooth (repaired by crown) $150
Benefits paid by MetLife
Group Accident Insurance		 $910

Accident Insurance FAQ's

If you are a regular full-time, part-time or reduced-time employee, 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.

Amazon’s employees enrolled in the Personal Accident plan have access to the DAS benefit. After contacting SSDC, they will advise and help determine your eligibility to receive Social Security Disability Income benefits.4

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.

Yes! Your personal 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.

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

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

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.

Yes, you can take your personal accident insurance coverage with you.8 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.

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

While over 150 accidents are covered under this plan, accidents or injuries occurring at or due to your occupation are not covered. Workers compensation may offer protection in these instances. Refer to your certificate of coverage for a comprehensive list of covered accidents.

You can submit your claim form in the mail or by fax, online in MyBenefits and telephonically with Amazon’s designated team.

Claim form (mail or fax) – call 800-638-2880 to request a claim form or download a copy from MyBenefits. You can mail or fax the form to the below address:

                Metropolitan Life Insurance Company

                Attn: Group Accident Insurance Product

                P.O. Box 80826

                Lincoln, NE 68501-0826

                Fax Number: 1-855-306-7350

MyBenefits (online) - download, complete and submit the claim form online in MyBenefits at http://mybenefits.metlife.com.

Telephonic – call 800-638-2880 to submit your claim and HIPAA voice authorization telephonically.

To file an Accident claim, you will need to provide the following:

  • Certificate holder information - name, certificate number, address, date of birth, social security number, and contact information
  • Patient Information for claimant - such as dependent status, name, address, date of birth, gender, social security number, and contact information
  • Accident details - such as when and where accident occurred, description of accident/injury, if motor vehicle or police report was involved, and provider name and contact information)
  • Payment instructions


You can find your certificate number by logging in to MyBenefits or by calling Amazon’s designated team at 800-638-2880.  To locate your certificate in MyBenefits, once logged-in, choose benefit under the “My Accounts Page.” Locate any correspondence and/or your certificate under the “Correspondence” tab. When calling MetLife, please be prepared to provide personal information such as name, social security, personal identification number or address.  Medical information needed is dependent upon accident, however, may consist of: itemized invoices/bill, admission and discharge papers from hospitals, treatment notes, x-rays, treatment plan details, referral details, death certificate, autopsy, blood tests for alcohol and drug screening for motor vehicle accidents, hospital and rehab invoices and notes, orthopedic notes and information on assistive devices/durable medical equipment, and/or any other medical information pertinent to the claim.

Please provide any available supporting medical documentation with your claim. If any additional medical documentation is needed, MetLife will assist in obtaining this information from your provider.

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.

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

2 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.

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 The Social Security disability advocacy services included in your personal accident insurance plan are provided by SSDC Services Corp. SSDC Services Corp. is not affiliated with MetLife, and the services and benefits they provide are separate and apart from the insurance provided by MetLife. The Social Security Disability Advocacy and Advisory Service (DAS) Benefit, provided by SSDC Services Corp., is a subscription service available in all 50 states and is not subject to insurance regulations. 

5 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.

6 The lodging benefit is not available in all states. It provides a benefit for a companion accompanying a covered insured while hospitalized, provided that lodging is at least 50 miles from insured’s primary residence.

7 Benefit amount is based on a sample MetLife plan design.  Actual plan design and plan benefits may vary.

8 Eligibility for portability through the Continuation of Insurance with Premium Payment Provision may be subject to certain eligibility requirements and limitations.

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.