Personal Accident Insurance

Accident insurance provides a lump-sum benefit payment that can be used to help pay for expenses that medical insurance may not cover if you are injured in an accident outside of work.

Take comfort knowing you have financial support for accidents

When unexpected injuries lead to unexpected expenses, your personal accident insurance can provide money to help pay for expenses such as medical bills, transportation costs and childcare expenses.

  • 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
  • This plan provides protection for covered events1 experienced while off the job only. This means that any accidents that occurred while at work, would not be covered.

With group employee rates, you can get personal accident insurance coverage for less than the monthly cost of a medium cup of coffee every day.2

Here's how it works:

Kathy’s daughter, Molly, plays soccer. During a recent game, Molly collided with an opposing player, was knocked unconscious and taken to the local emergency room (ER) by ambulance for treatment. The ER doctor diagnosed a concussion and a broken tooth. He also ordered a CT scan. After thorough evaluation, Molly was released to her primary care physician for follow-up treatment, and her dentist repaired her broken tooth with a crown. Luckily Kathy has personal accident insurance!

Coverages3

Benefit Amount4

Ambulance (ground)

$200

Emergency Care

$100

Medical Testing

$200

Concussion

$200

Physician Follow-Up ($75x 2)

$60

Broken Tooth (repaired by crown)

$150

Kathy would get a lump-sum payment totaling $910 with MetLife Personal Accident
Insurance.

This example is for illustrative purposes only.
Benefits paid by MetLife Personal Accident Insurance

What is covered?

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

Benefit Type3

MetLife Personal Accident Insurance Pays YOU

Accidental Injury Benefits

 

Fracture*
(depending on the fracture and type of repair)

$320 – $8,000

Dislocation*
(depending on the dislocation and type of repair)

$25 – $6,000

Second- or Third- Degree Burn
(depending on degree of burn and percentage of burnt skin)

$100 – $20,000

Concussion

$200

Coma

$10,000

Puncture Wound

$75

Laceration
(depending on the length of the cut and type of repair)

$25 – $400

Broken Tooth

Crown: $150 / Filling: $10 / Extraction: $50

Eye Injury

$250

Accident - Medical Services & Treatment Benefits

 

Ambulance

Ground: $200 / Air: $1,000

Emergency Care
(depending on location of care)

$30 – $100

Physician Follow-Up

$30

Therapy Services (including physical therapy)

$15-$30

Medical Testing

Medical Testing (MRI/MR, Ultrasound, NCV, CT/CAT, EEG) - $200
Medical Testing (X-Ray) - $125

Medical Appliances
(depending on the appliance)

$100

Transportation

$300

Benefit Type

Plan Benefits

Prosthetic Device

$500

Modification

$5,000

Blood/Plasma/Platelets

$100

Surgical Repair
(depending on the type of surgery)

$250-$1,000

Exploratory Surgery

$250

Other Outpatient Surgery

$100

Outpatient IV Infusion Therapy
(2 times per accident, 4 times per year)

$75

Hospital Benefits*

 

Admission*

$1,000 for the day of admission

Confinement*
(paid for up to 60 days per accident)

$200 per day

ICU Supplemental Confinement
(paid for up to 15 days per accident)

$200 per day

Inpatient Rehabilitation*
(paid for up to 15 days per accident)

$75 per day

Paralysis Benefits

 

Paralysis
(depending on the number of limbs)

$5,000 - $10,000

Other Benefits

 

Skilled Nursing
(paid for up to 10 days per accident)

$100 per day

Home Care
(paid up to 10 days per accident)

$100 per day

Child Care Benefit
(paid up to 5 days per accident)

$100 per day

Lodging Benefit* - for a companion of a covered person who is hospitalized
(30 days per calendar year)

$100 per day

* Notes Regarding Certain Benefits

  • Fracture and Dislocation benefits – Chip fractures may be paid at a reduced percentage of the Fracture Benefit and partial dislocations may be paid at a reduced percentage of the Dislocation Benefit.
  • Hospital Benefits – "Hospital" does not include certain facilities such as nursing homes, convalescent care or extended care facilities. Please consult your certificate for details.
  • Hospital Admission and Confinement – The Admission Benefit is not payable for Emergency Room treatment or outpatient treatment. The payment of the admission benefit requires a Confinement. Hospital Confinement requires the assignment to a bed as a resident inpatient in a Hospital (including an Intensive Care Unit of a Hospital) on the advice of a Physician or confinement in an observation area within a Hospital for a period of no less than 20 continuous hours on the advice of a Physician. Please consult your certificate for details.
  • Lodging Benefit – 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 a certain number of miles from the insured’s primary residence as defined in the certificate.


For additional details or to confirm benefits under your plan, consult your member certificate or Outline of Coverage on MetLife’s MyBenefits site.

Insurance Rates

MetLife offers group rates and payroll deduction, so you don’t have to worry about writing a check or missing a payment!
Your employee rates are outlined below.

Personal Accident Insurance

Monthly Cost to You

Coverage Options

Plan Benefit

Employee

$3.69

Employee & Spouse

$7.37

Employee & Child(ren)

$8.57

Employee & Spouse/Child(ren)

$10.31

RESOURCE CENTER

Documents

Plan Details – Benefit Summary
Personal Accident Slipsheet

All Benefit Levels include Social Security Disability Advocacy and Advisory Service (DAS)5, which can be initiated regardless of the outcome of a submitted Critical Illness claim filed with MetLife. To determine if your Critical illness and disability qualify for Disability Advocacy Services through SSDC, call SSDC Services Corp. at 866-587-2853.6

Personal Accident Insurance FAQs

Amazon employees have the support of a MetLife Designated Team to assist with your benefits and claims-related questions. To speak with one of our experts, please call Amazon’s dedicated toll-free number at 800-638-2880 between 5:00 am – 5:00 pm PST, Monday – Friday. If employees have additional questions and need to speak with someone at Amazon, please go to MyHR via: https://a.co/benefits.

Enroll on Amazon’s A to Z Benefits – https://atoz.amazon.work/amazonbenefits.

Regular full-time and part-time employees working in the United States are eligible to enroll in Personal Accident Insurance (no monthly minimum hourly requirement). You may enroll yourself and your eligible family members.7 You need to enroll during your Enrollment Period and be actively at work for your coverage to be effective.

To determine if your accident and disability qualify for Disability Advocacy Services through SSDC, call SSDC Services Corp. at 866-587-2853.6

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 or outline of coverage for a comprehensive list of covered accidents.

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

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.

Yes, you can take your 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.

After you have submitted a claim to MetLife, contact SSDC Services Corp. to initiate Social Security Disability Advocacy and Advisory (DAS) Services at 866-587-2853.5,6

VIDEO

Personal Accident Insurance

You can’t always plan for accidents, but you can be better prepared financially.

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Is Personal Accident Insurance Right for Me?

Protection for Everyday Life

MetLife Personal Accident Insurance covers over 150 events and services such as physical therapy, fractures, dislocations, and medical treatments or tests resulting from an accident.1

Lump Sum Hassle-free Payments to You

You'll receive a lump-sum payment for covered medical services such as ambulance costs and emergency care to protect yourself and your budget.

Flexibility

Convenient payments provide you with a financial cushion to use how you want. Help pay for everyday expenses like grocery bills and childcare expenses.

 

1 Covered services/treatments must be the result of an accident or sickness as defined in the certificate.

2 Cost of Living Prices in the United States, Updated February 2025. Accessed February 2025. https://www.numbeo.com/cost-of-living/country_result.jsp?country=United+States

3 Availability of benefits varies by state. See your Disclosure Statement or Outline of Coverage/Disclosure Document for state variations.

4 Benefits and amounts are based on sample MetLife plan design. Plan design and plan benefits may vary.

5 Social Security disability advocacy services 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.

6 The Social Security Disability Advocacy and Advisory Service (DAS) Benefit is provided to employees enrolled in the Critical Illness or Personal Accident insurance you purchase. These services are provided by SSDC Services Corp., and DAS is a subscription service available in all 50 states and is not subject to insurance regulations. Coverage is guaranteed provided the employee is actively at work 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.

7 Eligible Family Members means all persons eligible for coverage as defined in the Certificate. 

8 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 PERSONAL 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. 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.