Accident Insurance

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 supplement 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. (Chip fractures are paid at 25% of Fracture Benefit and partial dislocations are paid at 25% of Dislocation Benefit)
  • 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.

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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?

24.5m annual ER visits are related to unintentional injuries?6 Planning ahead can help avoid the hefty burden of medical expenses

FAQs

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.

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.

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 can mean less worry for you and your family.

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.

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.

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.