Accident Insurance
Focus on recovery—not on your finances.
Help alleviate the added costs that may result from an accident with MetLife Accident Insurance.
Don't choose between getting the care you need after you are injured in an accident and helping keep your finances on track. Take comfort in knowing you may have financial support for accidents.
When unexpected injuries lead to unexpected expenses, your accident insurance can provide money to help pay for expenses such as medical bills, transportation costs and childcare expenses.
Protect your family’s budget by enrolling for MetLife Accident Insurance today. Here’s why:
- You get broad coverage
Accident Insurance helps you handle the unexpected expenses that happen with 150 covered events1, including slips and falls, sports injuries, and motor vehicle accidents. - Payments are made directly to you.
You decide how to spend the money: Pay for medical expenses not covered by your plan, like copays or deductibles, or for non-medical needs like household bills, childcare, or home modifications. - You won't be denied coverage
You and your eligible family members are guaranteed coverage, as long as you are actively at work.3 That means no medical exam and no hassle. - It’s less expensive than you may think.
Take advantage of employee rates when applying for coverage through your employer. - This plan provides a lump-sum payment for over 150 different covered events, such as these:
Fractures3, dislocations3, second and third degree burns, skin grafts, torn knee cartilage, ruptured disc, concussions, cuts/lacerations, eye injuries, coma, broken teeth. - You receive a lump-sum payment when you have these covered medical services/treatments:1
Ambulance, emergency care, inpatient surgery, outpatient surgery, medical testing benefits (including X-rays, MRIs, CT scans), physician follow-up visits, transportation, therapy services (including physical and occupational therapy, speech therapy).
This plan provides protection 24 hours a day — while on or off the job. See your Disclosure Statement or Outline of Coverage/Disclosure Document for full details on your coverage.
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!
Coverages |
Benefit Amount |
|---|---|
Ambulance (ground) |
$200 |
Emergency Care |
$120 |
Medical Testing |
$200 |
Concussion |
$100 |
Physician Follow-Up ($35x 2) |
$70 |
Broken Tooth (repaired by crown) |
$400 |
Kathy would get a lump-sum payment totaling $1,090 with MetLife Accident Insurance. |
|
This example is for illustrative purposes only.
RESOURCES
You can access everything you need from our resources page. Click resources in the main navigation or visit resources.
Simple List Title
Accident Insurance FAQs
You are eligible to enroll yourself and your eligible family members. You need to enroll during your Enrollment Period and be actively at work for your coverage to be effective.
Because accidents can happen anytime, anywhere, when you least expect them, and they can be costly. You hurt your back while doing home repairs, your child is injured while on the playground or playing sports, or your spouse slips on the stairs.
Even quality medical plans can leave you with extra expenses to pay. Costs like plan deductibles, copays for doctor and emergency room care, testing and supplies, or extra costs for out-of-network care may not be covered. Many people aren’t financially prepared to handle these extra costs. Having financial support if the time comes may mean less worry for you and your family.
Yes! Your accident coverage is guaranteed issue,2 which means your acceptance is guaranteed, regardless of your health. You just need to be actively at work for your coverage to be effective. 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 coverage will be in force on the effective date of your coverage. 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 accident insurance coverage with you.4 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, copays, household bills and more.
VIDEO
Accident Insurance
You can’t always plan for accidents, but you can be better prepared financially.
1 Covered services/treatments must be the result of an accident as defined in the certificate.
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.
3 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.
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.
The benefits described in this communication are governed by official plan documents, the FedEx Corporation Voluntary Insurance Plan and the applicable insurance policy. If there are any discrepancies between the information in this guide and the official plan documents, the provisions of the plan documents will govern. FedEx reserves the right to amend or terminate the plan or benefit for any reason at any time.