Accident Insurance
Accident insurance provides a lump sum payment to help pay for expenses regardless of what any other insurance may or may not cover if you are injured in an accident.
Take comfort knowing you have financial support for accidents
When unexpected injuries lead to unexpected expenses, accident insurance can provide money to spend however you may see fit 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
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 accident insurance!
Coverages1 |
Benefit Amount2 |
|---|---|
Ambulance (ground) |
$300 |
Emergency Care |
$100 |
Medical Testing |
$200 |
Concussion |
$400 |
Physician Follow-Up ($75x 2) |
$150 |
BrokenTooth (repaired by crown) |
$200 |
Kathy would get a lump-sum payment totaling $1,350 with MetLife Accident Insurance |
|
This example is for illustrative purposes only. Benefit amount is based on a sample MetLife plan design. Actual plan design and plan benefits may vary.
Benefits paid by MetLife Accident Insurance High Plan
Useful Documents
You can help alleviate the added cost that may result from an accident with MetLife Accident Insurance.
To view detailed plan information, obtain ID cards and submit claims please visit: www.MyBenefits.metlife.com
Simple List Title
Accident Insurance FAQs
Enrollment is available during Annual Enrollment, at new hire enrollment or due to a qualifying life event, to U.S. based Boeing Employees who work more than 19 hours a week, except for those represented by IAM 751 and W24, IAM 837 and IBEW 1 (based on the terms of current applicable collective bargaining agreement). Boeing Aerospace Operations, Adient Aerospace, LLC, Aurora Flight Sciences, Boeing EnCore Interiors, LLC, Boeing Intelligence & Analytics, Inc., ForeFlight LLC, Insitu Inc., Liquid Robotics, Millennium Space Systems, Tapestry Solutions, Montana Aviation Research, Wisk Aerospace LLC employees are not eligible. To be covered, you must be an active employee when the policy becomes effective.
Accidents can happen anytime, anywhere and always when you least expect them. What’s more they can be costly.
Even the best medical plans can leave you with expenses for services that just aren’t covered. Things like plan deductibles, copays, extra costs for out-of-network care, or non-covered services. Many people aren’t prepared to handle these costs, so having this coverage when the time comes may mean less worry for you and your family. The Accident Insurance is meant to be a supplemental benefit to your medical plan, accidental death and dismemberment plan, and business travel accident plan. The coverage pays irrespective of any other insurance that you may have.
Yes. Your accident coverage is guaranteed,3 regardless of your health, if you enroll during annual enrollment, new hire enrollment or due to a qualifying life event. If you elect coverage, you need to be an active eligible U.S. Boeing employee as of January 1 when the policy becomes effective. There are no medical exams to take and no health questions to answer, so the whole process might be easier than you first thought.
If you have a covered accident, payments will be paid directly to you. There’s no need to coordinate it with any other insurance you may have. Benefits are paid at the same level no matter what your other insurance plans may cover.
Yes. This coverage is portable, meaning you can take it wherever you go. Generally, your coverage will only end if you stop paying your premium.3,4
Yes, you can use your payment as you see fit. Use it to help cover your medical insurance deductibles, copays, household bills, and more.
The Accident Insurance, Critical Illness Insurance, Hospital Indemnity Insurance benefits are payable when treatment and services are provided in the United States, Canada or Mexico.
In order for an Accident Insurance claim to be paid the treatment and services must happen after the coverage begin date. MetLife does encourage claim submission though so our claims team can review and determine if it is payable.
Premiums will be paid through payroll deduction on an after-tax basis.
Yes, these plans are not disqualifying health plans. Employees who are enrolled in the Advantage+ plan and elect(ed) the HSA will continue to be eligible to make or receive contributions to their HSA at HealthEquity.
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Accident Insurance
You can’t always plan for accidents, but you can be better prepared financially.
We’re here to answer any questions you may have on your new Voluntary Benefits options.
Is Accident Insurance Right for Me?
Protection for Everyday Life
MetLife Accident Insurance covers over 150 events and services such as physical therapy, fractures, dislocations, and medical treatments or tests resulting from an accident.
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
One convenient payment provides 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 a covered accident or sickness as defined in the certificate.
2 Benefit amount is based on sample MetLife plan design. Actual plan design and plan benefits may vary.
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 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 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.