Skip directly to content

Accident Insurance

Group Accident Insurance complements your medical coverage by helping to ease the financial impact of an accident. It provides you with a payment to use as you see fit and can help with any of the out of pocket expenses you may incur as a result of an accident, such as insurance deductibles, copays, transportation to/from medical centers, childcare and more.

Accidents can happen anytime, anywhere. Today's active lifestyles may make you more susceptible, too. 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. There are over 150 covered events that could trigger benefits.


Here's a summary of what a standard plan covers under each benefit category. The types of benefits and features under a specific group accident insurance plan could vary.

  • Injuries
    1. Fractures
    2. Dislocations
    3. Burns
    4. Concussions
    5. Cuts/Lacerations
    6. Eye Injuries
    7. Coma
    8. Torn Knee Cartilage
    9. Broken Tooth
    10. Ruptured Disc
    11. And more… contact your benefits administrator for complete details.
  • Medical Services & Treatments
    1. Ambulance (ground and air)
    2. Emergency Care
    3. Non-Emergency Care
    4. Physician Follow-Up
    5. Therapy Services (including physical therapy)
    6. Medical Testing Benefit (including X-rays, MRIs and CT scans)
    7. Medical Appliances
    8. Inpatient Surgery
    9. Any more…contact your benefits administrator for complete details.
  • Hospital - Accident
    1. Admission
    2. Confinement
    3. Inpatient Rehab
  • Accidental Death
    1. Accidental Death
    2. Common Carrier
  • Dismemberment, Loss & Paralysis
  • Supplemental Benefit for Lodging


Accident coverage includes:

  • 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

If you would like to know more about Group Accident Insurance or have specific questions about your coverage and options, please contact your company's benefits administrator.

1 Covered benefits must relate to injuries sustained as a result of an accident.

2 Coverage is guaranteed provided (1) the employee is actively at work and (2) dependents 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.

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. Like most group accident and health insurance policies, polices 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. In certain states, availability of MetLife's Group Accident Insurance is pending regulatory approval.

MyBenefits Login

Make the most of your benefits by managing your account online.
Login Now

Contact Us

For more information or to request a Claim Form call