Accident Insurance

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Accident Insurance

Accidents change everything. They can endanger your family, alter your way of life, and often damage your investments. Get back on track.

Take Comfort Knowing You Have Financial Support for Accidents

Did you know that accident insurance coverage can help offset costs that are not covered under your existing medical plan? This insurance provides you with funds that can be used as you see fit.1 This can help with out-of-pocket expenses like deductibles, copays, medical transportation, childcare, and more.

Accident insurance through your employer may include benefits for:

  • Injuries: such as fractures, dislocations, concussions, lacerations, eye injuries, torn knee cartilage, ruptured discs, and severe burns.
  • Medical Services and Treatments: such as ambulance, emergency care, therapy services, medical testing (including X-rays, MRIs, CT scans), medical appliances, and certain types of surgeries.?
  • Hospitalization: such as hospital admission, confinement, and inpatient rehab after an accident.2
  • Additional Benefits: such as accidental death, dismemberment, loss, paralysis, supplemental benefit for lodging.3
  • Plus, MetLife has a guaranteed acceptance policy, offers convenient payroll deduction, and portable coverage.4, 5

For complete plan details, speak with your company’s benefits administrator.?

Preparation for the Unforeseen

Mia and Martin share all their life experiences. When Mia had a traumatic experience, she was grateful to have planned ahead for the unexpected.

Need Help?

Log in to your MyBenefits account or access employer information.

ACCIDENT INSURANCE
ACCIDENT INSURANCE

Finding the Right Coverage for a Proactive Lifestyle

Living a debt- and worry-free life starts with proactive planning. Accident insurance coverage may help you to avoid financial worry.

Did You Know?

29.4m annual ER visits are related to unintentional injuries?6 Planning ahead can help avoid the hefty burden of medical expenses

FAQs

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Can accident insurance be used to cover out-of-pocket costs?

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Yes, you can use your benefit payment as you see fit. Use it to help cover your household bills, medical insurance deductibles, copayments, and more.

Are benefits paid directly to me or to my healthcare provider?

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Payments will be paid directly to you, not to the doctors, hospitals, or other healthcare providers. You will receive a check, payable to you, for maximum convenience.

I have a good medical plan at work. Why would I need additional coverage for accidents?

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Accidents can happen any time, to anyone, when you least expect them — and they can be costly. Even quality medical plans can leave you with extra expenses to pay. Costs like plan deductibles, copays for doctor visits, and extra costs for out-of-network care can add up fast. Having the financial support you may need when the time comes means less worry for you and your family.

Can I enroll in this insurance without having to take a medical exam?

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Yes. If your employer offers accident insurance, your acceptance is guaranteed, regardless of your health. You just need to be actively employed for your coverage to be effective. There are no medical exams to take and no health questions to answer.

Is there a waiting period before my coverage begins?

Collapsed Expanded

No. This supplemental insurance will be effective on the date of your coverage as long as you are actively employed. There are no waiting periods to satisfy.

Is the claims process simple?

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Yes. Once all required information is received, claims are generally processed within 10 business days. Only one claim form is needed per accident, and every claim is reviewed by a claims professional.

NEXT STEPS

Contact your employer for more information.

1 Covered services/treatments must be the result of an accident or sickness as defined in the group policy/certificate. See your Disclosure Statement or Outline of Coverage/Disclosure Document for more details.

2 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.

3 The lodging benefit is not available in all states. It provides a benefit for a companion accompanying a covered insured while hospitalized, provided that lodging is at least 50 miles from insured's primary residence.

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. E 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 is a preexisting condition limitation for hospital sickness benefits, if applicable. There are benefit reductions that begin at age 65. And, like most group accident and health insurance policies, polices offered by MetLife may 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. ADF# AI1391.16

6 Source: Centers for Disease Control and Prevention: Accidents or Unintentional Injuries. Emergency department visits. https://www.cdc.gov/nchs/fastats/accidental-injury.htm. Accessed August 2018.

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