Accident Insurance | MetLife

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Accident Insurance

Can help ease the financial impact that comes with unexpected accident expenses.
Enroll

Here's what you need to know

No one plans to be injured in an accident – they always happen without warning. You can, however, be prepared for the unexpected expenses associated with an accident by enrolling in Accident Insurance. Once you’re enrolled in this coverage, you’ll be better prepared with an added cushion of financial security that’s specifically designed to help take the sting from your accident-related bills.

 

  • Pays a lump-sum benefit payment for a covered event to use however you see fit1
  • The payment is made directly to you (unless otherwise assigned)1
  • Direct cash benefit payment can be used however you want, including for out-of-pocket medical expenses, over-the-counter medication, childcare, lodging, or daily household expenses

 

You can collect this benefit regardless of any other coverage you have, including your employer’s medical plan, any other type of medical coverage, disability coverage, or other benefits you may be eligible to collect. However, it is NOT a substitute for these coverages and does not meet minimum essential coverage as defined by federal law.

Healing from an accidental injury can be costly to your budget in 2 ways:

 

  • Bills. Accidents may have unexpected out-of-pocket costs that take you by surprise. The list includes deductibles, copays, and any expenses that aren’t covered at all. All of these can put a serious dent in your savings.  
  • Lost wages. Your accident recovery could mean taking time out of work – either a little or a lot, depending on your needs. Or a family member might need to take time off to drive you to medical appointments or assist you in other ways. Either could impact the paycheck your family may rely on to keep everything on track. No one wants to struggle to pay regular bills with a reduced income while on the mend.

 

You may use your Accident Insurance benefits any way you choose. It’s 100% your call how to spend the money you receive, without limitations or approvals from your medical plan. You can use it to help pay for medical expenses or non-medical expenses.

 

Access to this coverage can help you financially while you recover from your accident. Having less financial worry can mean a more positive mindset for focusing on your recovery.

These are the periods when you are eligible to enroll for Accident Insurance:

 

  • Within your new hire enrollment period
  • If you have a qualifying life event (you get married, have a baby, etc.)
  • During your employer’s annual enrollment

 

Check with your employer’s human resources/benefits team for specifics about these timeframes.

 

Keep in mind: If you enroll during these timeframes, you have what is called "guaranteed issue," which means you may qualify for coverage without answering health questions. You must have coverage in place before an accident happens in order to be eligible to collect the benefit when you need it.2

These form(s) are in Adobe Acrobat Reader (PDF) format and are available for downloading and printing.

 

Accident Insurance - Plan Overview

How It Works

Number one Enroll now icon

You enroll in Accident Insurance

Number two ambulance icon

After insurance is in effect, you are injured in a covered accident  

Number three Giving money icon

Receive a benefit payment

Number four moneybag icon

Use your money however you want

You are injured in a covered accident.

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Frequently Asked Questions

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  • Who is the provider?

    MetLife

     

    For over 150 years, MetLife has helped people around the world protect what matters most, offering trusted insurance, retirement, and savings solutions designed to support financial security at every stage of life.

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  • When is a benefit paid under the policy?

    Once your insurance is effective, you can receive benefits for a covered accident. These benefits vary by state and may have other limitations and exclusions that may affect what’s payable. This plan provides protection for covered events experienced while off the job only. See your disclosure statement or outline of coverage/disclosure document for full details on your coverage.
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  • Who in my family is eligible for this program?

    Members of your family who are considered eligible to enroll for insurance include:2

    • You – if you are an active employee working 16+ hours per week
    • Your spouse – age 18 and older
    • Your child(ren) – under age 26

     

    You must be enrolled in Accident Insurance for members of your family to also enroll. 

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  • How much does this coverage cost?

    This is group insurance offered at group rates. Refer to the plan documents for complete details.
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  • Do I have to answer health questions or take a medical exam?
    No, you don’t. If you enroll during your eligible enrollment periods, you have "guaranteed issue," which means you may qualify for insurance without answering health questions.2
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  • What if my employment status changes?

    Good news! If you leave or retire from your current employer, you can continue your Accident Insurance without interruption (subject to applicable law and the policy’s terms and conditions).3 Although payroll deduction will no longer be available, you can opt for other payment methods such as direct bank account deduction, credit card billing or home billing. Higher rates may apply. 
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  • When would my coverage start?

    For annual enrollment, coverage is effective on the date shown on the Certificate after the application is received and approved. You must be actively at work on the coverage effective date. For new hires and qualifying life events, coverage is effective the first of the month following the enrollment form approval date, provided the eligibility requirements are met.
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  • Am I really free to use the payment any way I choose?

    Yes, you are! There are no restrictions or requirements about how you can use your accident cash benefit. Accidents aren’t something you can plan for – but you can be prepared with extra cash when one catches you off guard. You’re free to use this money on anything you choose, including out-of-pocket medical expenses and/or non-medical expenses. It can feel empowering to have this kind of flexibility.

Are you ready To Enroll?

Act now to elect Accident Insurance to help offset expenses that may not be covered by other insurance.
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Do You Need Help?

Our team is ready

M-F 8a-5p CT

Phone Number: 1-800-000-0000

  • Legal Disclaimers

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

     

    2Coverage 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 may apply to dependents serving in the armed forces or living overseas.

     

    3Eligibility 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.

     

    Metropolitan Life Insurance Company | 200 Park Avenue | New York, NY 10166

    L5642913[exp0728][All States and][All Territories]

  • Mercer's Role & Compensation
    View details of Mercer's disclosure of compensation