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Accident Insurance

Basics

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.

Injuries

  • 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

  • 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

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

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.

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.

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 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.

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 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.

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

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.

Covered Events and Features Disclaimer

1 Covered services/treatments must be the result of a covered accident as defined in the group policy/certificate. See the outline of coverage for more details.

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.

FAQ Disclaimer

1 Eligible Family Members means all persons eligible for coverage as defined in the certificate.

2 In some states, you must have medical coverage to purchase Accident Insurance.

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.

METLIFE'S ACCIDENT INSURANCE IS A LIMITED BENEFIT GROUP INSURANCE POLICY. The policy is not intended to be a substitute for medical coverage. The policy or its provisions may vary or be unavailable in some states. There is a preexisting condition exclusion for hospital sickness benefits, if applicable. There are benefit reductions that begin at age 65. And, like most group accident and health insurance policies, polices offered by MetLife 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. In certain states, availability of MetLife’s Group Accident Insurance is pending regulatory approval.

ADF# AI602.14