Accident Insurance
Accident insurance provides a lump sum payment to help pay for expenses that medical insurance may not cover if you are injured in an accident.
Help alleviate the added costs that may result from an accident with MetLife Accident Insurance.
Accidents happen every 2 seconds at home and every 7 seconds on the road.1 And accidents can be expensive; each trip to the emergency room costs an average of $1,233.2 Expenses can add up quickly.
Protect your family’s budget by enrolling for MetLife Accident Insurance today. Here’s why:
- You get broad coverage
More than 150 events and services, such as fractures, 2nd & 3rd degree burns, and treatments resulting from an accident are covered. - 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.
Get the most out of your benefits
We understand how important your benefits are when it comes to protecting yourself and your family. That’s why we’re committed to enhancing your existing MetLife coverage with extras that help you get even more out of your employer-sponsored plans.
- MetLife VisionAccessSM
Set your sights on savings
You and your entire family can enjoy vision discounts1 from thousands of participating ophthalmologists and optometrists with MetLife VisionAccessSM. Simply provide your program code (MET2020) when making an appointment, and you’ll save 20% on eye exams, lenses, and non-prescription sunglasses; 25% off frames; and receive discounts on laser vision correction.2
Get started now: 1-888-GET-MET-8, say “vision,” say “MetLife Vision” at 2nd prompt and select 2 for MetLife VisionAccess Discount Program. - Online Will Preparation
Protect your loved ones
In case of the unexpected, you can help ensure that your assets are distributed according to your will with Online Will Preparation Services. At no additional cost, you and your loved ones get 24/7 access to an easy-to-use, secure website to create wills and other estate resolution documents.3
Get started now: willscenter.com - Funeral Planning Discounts
Prepare for life’s unexpected outcomes
Through Dignity Memorial, you and your family have the support of the largest network of funeral homes and cemeteries in the country to pre-plan final wishes and get service discounts. You can’t predict the future, but we can certainly help you prepare for it.4
Get started now: finalwishesplanning.com | 1-866-853-0954
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!
Coverages2 |
Benefit Amount3 |
|---|---|
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.
Benefits paid by MetLife Accident Insurance High Plan
Plan Details
You can help alleviate the added cost that may results from an accident with MetLife Accident Insurance
Accident Insurance
You can’t always plan for accidents, but you can be better prepared financially.
Accident Insurance Flyer
Is Accident Insurance Right for Me?
Protection for Everyday Life
MetLife Accident Insurance covers over 150 events and services such as physical therapy, fractures, disclocations, 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.
Already Enrolled?
Learn how to access your certificate and coverage here. Access to MyBenefits available on or after the effective date of your coverage.
1 National Safety Council Injury Facts, 2015 Edition. Itasca, IL (based deaths and medically consulted injuries by class, 2013).
2 “Outrageous E.R. Hospital Charges: What to Do,” FoxBusiness.com. June 27, 2013.
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 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.
5 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.
1. Your actual savings from enrolling in the MetLife Vision Plan will depend on various factors, including plan premiums, number of visits to an eye care professional by yourfamily per year and the cost of services and materials received. Be sure to review the Schedule of Benefits for your plan’s specific benefits and other important details
2. MetLife VisionAccess is a discount program and not an insured benefit. Benefits are underwritten by Metropolitan Life Insurance Company, New York, NY (MetLife). Certainclaim and network administration services are provided through Vision Service Plan, Rancho Cordova, CA (VSP). VSP is not affiliated with MetLife or its affiliates. Like mostgroup benefit programs, benefit programs offered by MetLife and its affiliates contain certain exclusions, exceptions, reductions, limitations, waiting periods, and terms forkeeping them in force. Please contact MetLife or your plan administrator for costs and complete details. MetLife Vision Access is available to anyone at no charge regardlessof affiliation with MetLife.MetLife Vision Access is available to anyone at no charge regardless of affiliation with MetLife.
3. WillsCenter.com is a document service provided by SmartLegalForms, Inc., an affiliate of Epoq Group, Ltd. SmartLegalForms, Inc. is not affiliated with MetLife and theWillsCenter.com service is separate and apart from any insurance or service provided by MetLife. The WillsCenter.com service does not provide access to an attorney, doesnot provide legal advice, and may not be suitable for your specific needs. Please consult with your financial, legal, and tax advisors for advice with respect to such matters.WillsCenter.com is available to anyone regardless of affiliation with MetLife.
4. Services and discounts are provided through a member of the Dignity Memorial® Network, a brand name used to identify a network of licensed funeral, cremation and cemeteryproviders that are affiliates of Service Corporation International (together with its affiliates, “SCI”), 1929 Allen Parkway, Houston, Texas. The online planning site is provided by SCIShared Resources, LLC. SCI is not affiliated with MetLife, and the services provided by Dignity Memorial members are separate and apart from the insurance provided by MetLife.SCI offers planning services, expert assistance, and bereavement travel services to anyone regardless of affiliation with MetLife. Discounts through Dignity Memorial’s network offuneral providers have been pre-negotiated. Not available where prohibited by law. If the group policy is issued in an approved state, the discount is available for funeral servicesheld in any state except KY and NY, or where there is no Dignity Memorial presence (AK, MT, ND, SD, and WY). For MI and TN, the discount is available for “At Need” servicesonly. Not approved in AK, CT, FL, KS, KY, MD, MO, MT, ND, NH, NJ, NY, and WA.
Like most group insurance policies, MetLife group life insurance policies contain certain exclusions, limitations, reductions of benefits and term for coverage. Any suchexclusions, reductions or limitations will be described in the life insurance certificate, the terms of which govern MetLife’s provision of coverage