Accident Insurance

Here's what you need to know

What it does for you
Why it's important
When you can enroll
Forms & resources

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 to use however you see fit
The payment is made directly to you (unless otherwise assigned)¹
It can help pay out-of-pocket expenses related to medical care associated with covered accidents
In addition to medical care, you may use it to pay for things like childcare, lodging, or over-the-counter medication

You can collect this benefit in addition to 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 accident 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 – anything that becomes a financial concern if you lose income while you’re out of work.

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 open enrollment

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

You may disenroll in Accident Insurance at any time. Enrollment and disenrollment are completed online via the Enroll button on this webpage.

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 Plan Overview

Accident Outline of Coverage

Current Participant Online Claim Form

Accident Plan Summary

Accident Rate Chart

Accessing Certificate of Insurance

Who is the provider?

When is a benefit paid under the policy?

Once your insurance is effective, you’ll 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.

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 associate working 20+ 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.

How much does this coverage cost?

How do I see my Certificate of Insurance?

Your Certificate contains the specific terms and provisions of your coverage. The MyBenefits website, www.metlife.com/mybenefits, and MetLife mobile app provide quick and easy access to view and print your Certificate of Insurance. Once registered and logged into the website or app, click the ‘Claim Center’ tab and locate the applicable product, you can then use the ‘I Want To…’ drop down menu to select ‘View certificate’.

Do I have to answer health questions or take a medical exam?

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.

When would my coverage start?

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.

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.

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Mercer's Role & Compensation

Accident Insurance | MetLife

Accident Insurance

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

Here's what you need to know

How It Works

Frequently Asked Questions

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