What You Need to Know
It happens: You hurt your back while doing home repairs, your spouse slips on the stairs, your child gets injured playing sports, and so on. Even the best medical plans can leave you with unexpected expenses. Accident insurance provides the extra financial support you may need so you can worry less about money and more about recovery. Also, the coverage is portable, which means if you leave the Company, the coverage may be continued.
Understanding Accident Insurance
Accident insurance,* insured by MetLife, is a voluntary benefit that supplements your medical insurance and offers financial protection in case of a covered accident. It also pays a benefit if you undergo testing or receive medical services, treatment, or care for any one of more than 150 covered events.
Enrollment
You and your covered family members can enroll in voluntary accident insurance during your initial eligibility period (generally when you first become benefits eligible) or yearly during Annual Enrollment.
Using your benefit
There’s no waiting period to start receiving benefits for any new covered accidents.* When you have a covered accident, payments from MetLife are paid directly to you, depending on the type of accident or illness. You can use that money however you want, including deductibles, co-pays, household expenses, or bills. Accident insurance pays in addition to any benefits you receive from other coverage, like your medical plan.
If you have a covered accident, log in to the MetLife website or contact MetLife for a claim form. Complete the form and submit it to MetLife via email, fax, or mail. You’ll need to submit a physician statement with your claim.
Paying for coverage
You pay for coverage through convenient payroll deductions.
Learn more about accident insurance
Watch a brief presentation on covered accidents, claims, and more.
Covered accidents
Here are some of the covered accidents and the associated benefit payment ranges:
| Injuries | Benefit Payment |
|---|---|
| Fractures and dislocations | $50–$3,000 |
| Second- and third-degree burns | $50–$5,000 |
| Concussions | $200 |
| Cuts/lacerations | $25–$200 |
| Eye injuries | $200 |
| Medical Services and Treatment | Benefit Payment |
|---|---|
| Ambulance | $200–$750 |
| Emergency care | $25–$50 |
| Physician follow-up | $50 |
| Therapy services (including physical therapy) | $15 |
| Inpatient surgery | $100–$1,000 |
| Hospital Coverage (Accident) | Benefit Payment |
|---|---|
| Admission | $1,000 per accident |
| Inpatient rehab (paid per accident) | $100 a day, up to 15 days |
| Other benefits | Benefit Payment |
|---|---|
| Medical services and treatment | Up to $1,000 |
| Hospitalizations from accidents | Up to $1,000 |