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.

Covered accidents

Here are some of the covered accidents and the associated benefit payment ranges: