Motor vehicle and other unexpected accidents cause 29 million trips to the emergency room each year.1 Unanticipated—and uncovered—after-treatment ER bills average over $600.2 Your major medical insurance will help with many of your expenses, but wouldn’t you feel better knowing you’ll have extra help paying some of your bill?
Enrollment into the plan only occurs during the initial new hire eligibility or during Ecolab’s Annual Open Enrollment period, however you may disenroll at any time. Enrollment and disenrollment are completed online via the website link below.
To use the website below, your username will be your Ecolab employee ID and the password will be the last four of your social security number and last two of birth year. For example if your social security ends xxx-xx-1234 and your birth year is 1989 your password will be 123489.
| Phone 1-877-473-9297 |
| Hours M-F 7a-8p CT |
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| Email employerbenefitsinquiries.service@mercer.com |
Who is the provider?
How can this help me?
When an accident occurs, the last thing that should be on your mind is the charges accumulating while at the emergency room:
These costs can add up fast. Most families have medical insurance that will cover a majority of the expenses. But, what about the out-of-pocket medical expenses, such as the required copay, or the lost wages you or your spouse/domestic partner loses when out of work or staying home to care for an injured family member? You hope that an accident never happens, but at some point, you very well may take a trip to your local emergency room. If that time comes, wouldn’t it be nice to have an insurance plan that pays you a benefit regardless of any other insurance you have? Group Accident insurance does just that, providing a cash benefit to cover the costs associated with unexpected covered accidents.
Who is eligible?
When can I enroll?
What if my employment status changes?
Will my rates increase as I get older or if I file a claim?
What types of accidents and injuries am I covered for?
Our accident insurance pays a benefit for a wide array of events, medical services, and treatments.7
This plan provides a lump-sum payment for over 150 different covered events, such as:
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You’ll also receive a lump-sum payment when you have these covered medical services/treatments:
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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.
Will I have to take a medical exam to get this coverage?
How do I see my Certificate of Insurance?
1Centers for Disease Control and Prevention: Emergency Department Visits. CDC/National Center for Health Statistics. https://www.cdc.gov/nchs/fastats/emergency-department.html. Accessed January 2022.
2The Cost of Unwarranted ER Visits: $32 Billion a Year. Kaiser Health News, July 25, 2019. https://khn.org/morning-breakout/the-cost-of-unwarranted-er-visits-32-billion-a-year/ Accessed January 2022.
3Children may be covered to age 26. There are benefit reductions that may begin at age 65.
4Coverage 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.
5Eligibility 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.
6Eligible Family Members mean all persons eligible for coverage as defined in the Certificate.
7Covered services/treatments must be the result of a covered accident as defined in the group policy/certificate. See your Disclosure Statement or Outline of Coverage/Disclosure Document for more details.
8Chip fractures are paid at 25% of Fracture Benefit and partial dislocations are paid at 25% of Dislocation Benefit.
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.
These form(s) are in Adobe Acrobat Reader (PDF) format and are available for downloading and printing.
| Accident Plan Overview |
| Accident Outline of Coverage |
| Current Participant Online Claim Form |
| Accident Plan Summary |
| Accident Rate Chart |
| Accessing Certificate of Insurance |