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.
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.
You’ll receive a lump-sum benefit payment for a qualifying event 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,1 such as sports injuries, auto accidents, bicycle accidents, broken bones,2 knee injuries and falls
With group rates, you can get accident insurance coverage starting at less than the monthly cost of your daily medium cup of coffee.3
Your accident insurance coverage is portable.4 That means if you change jobs or retire, you can take your coverage with you. 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.
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Yes, you can enroll both yourself and eligible family members.5 All you need to do is enroll during your enrollment period and be actively at work.
Accidents can happen anytime, anywhere and when you least expect them. Plus, 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 and non-medical expenses like transportation and childcare. Many people aren’t prepared to handle these costs, so having this additional financial support when the time comes may mean less worry for you and your family.
Yes. Your accident coverage is guaranteed,6 regardless of your health. You just need to be actively at work to be covered. There are no medical exams to take and no health questions to answer, so the whole process might be easier than you think.
Payments will be made directly to you, not to doctors, hospitals or any other healthcare providers. There’s no need to work it around any other insurance you may have. Benefits are paid no matter what your other insurance plans may cover.
Yes. This coverage is portable, meaning you can take it wherever you go. Your coverage will only end if you stop paying your premium or if your employer offers you similar coverage with a different insurance carrier.4
1 Covered services/treatments must be the result of an accident as defined in the certificate.
2 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.
3 https://www.numbeo.com/cost-of-living/country_result.jsp?country=United+States. Accessed January 2023.
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.
5 Eligible Family Members means all persons eligible for coverage as defined in the Certificate.
6 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.
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.
