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Accident Insurance


You can't plan for accidents, but you can be better prepared financially to handle them when they do occur. MetLife offers Accident Insurance so you can focus more on your recovery and less on your finances. It complements your medical coverage by helping to ease the financial impact of an accident. Coverage can help with the out of pocket costs you may incur as a result of an accident, such as insurance deductibles, copays, transportation to/from medical centers, childcare and more.

Covered Events and Features

There are over 150 covered events that could trigger benefits. The types of benefits and features under a specific group accident insurance plan could vary.

Covered Benefit Categories1 Collapsed Expanded


  • Fractures
  • Dislocations
  • Burns
  • Concussions
  • Cuts/Lacerations
  • Eye Injuries
  • Coma
  • Torn Knee Cartilage
  • Broken Tooth
  • Ruptured Disc
  • And more… contact your benefits administrator for complete details.


Medical Services & Treatments

  • Ambulance (ground and air)
  • Emergency Care
  • Non-Emergency Care
  • Physician Follow-Up
  • Therapy Services (including physical therapy)
  • Medical Testing Benefit (including X-rays, MRIs and CT scans)
  • Medical Appliances
  • Inpatient Surgery
  • And more…contact your benefits administrator for complete details.


Hospital - Accident

  • Admission
  • Confinement
  • Inpatient Rehab


Accidental Death

  • Accidental Death
  • Common Carrier


Dismemberment, Loss & Paralysis

Supplemental Benefit for Lodging

Accident Insurance Features Collapsed Expanded
  • Guaranteed acceptance for you and other eligible family members2
  • Competitive group rates
  • Convenience of payroll deduction helps ensure continuous, worry-free coverage
  • Coverage that can go with you if your employment status changes
Frequently Asked Questions
Who is eligible to enroll for this accident coverage? Collapsed Expanded

You and your eligible family members.1 You just need to enroll during your Enrollment Period and be actively at work for coverage to be effective.2

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

Because accidents can happen anytime, anywhere, when you least expect them, and they can be costly. Even quality medical plans can leave you with extra expenses to pay. Costs like plan deductibles, co-pays for doctor and emergency room care, testing, supplies, and extra costs for out-of-network care, to name a few. Many people aren't financially prepared to handle these extra costs. Having the financial support you may need when the time comes means 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, which means your acceptance is guaranteed, regardless of your health. You just need to be actively at work for your coverage to be effective.3 There are no medical exams to take and no health questions to answer.

How do I pay for my accident 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 accident coverage will be in force on the effective date of your coverage as long as you are actively at work. 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 coverage with you. 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 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, copayments, household bills and more.

Is the claims process simple? Collapsed Expanded

Yes. Once all required information is received, claims are generally processed within 10 business days. Only one claim form is needed per accident and every claim is reviewed by a claims professional.