Optional Accidental Injury Insurance
Accident insurance provides a lump-sum payment that can be used to help pay for expenses that medical insurance may not cover if you are injured in an accident.
Take comfort knowing you have financial support for accidents
When unexpected injuries lead to unexpected expenses, your accident insurance can provide money to help pay for expenses such as medical bills, transportation costs and childcare expenses.
- You’ll receive a lump sum payment for a qualifying event to use as you see fit, paid directly to you
- The plan pays no matter what your medical insurance covers
- May cover accident-related events, such as: sports injuries, auto accidents, bicycle accidents, broken bones1, knee injuries and falls
With group employee rates, you can get accident insurance coverage for less than the monthly cost of your daily medium cup of coffee.2
MyBenefits: easy online claim submission
MyBenefits is the web portal for MetLife group participants. Once registered, you can log in to:
- Submit a claim and upload medical documentation
- See claim status, history, and payments
- Set up direct deposit of benefits
- Read correspondence from MetLife
- Download claim forms
- View your certificate of insurance and designate beneficiaries
For your Optional Accidental Injury Insurance please select "Group Accident Insurance"
Here’s an example of how it works:
Kathy’s daughter, Molly, plays soccer. During a recent game, Molly collided with an opposing player, was knocked unconscious and taken to the local emergency room (ER) by ambulance for treatment. The ER doctor diagnosed a concussion and a broken tooth. He also ordered a CT scan. After thorough evaluation, Molly was released to her primary care physician for follow-up treatment, and her dentist repaired her broken tooth with a crown. Luckily, Kathy has accident insurance!
Covered Services2 |
FCA High Plan |
FCA Low Plan |
|---|---|---|
Ambulance (ground) |
$500 |
$300 |
Emergency Care |
$250 |
$200 |
Medical Testing |
$300 |
$200 |
Concussion |
$750 |
$250 |
Physician Follow-Up (x 2) |
$125 |
$75 |
BrokenTooth (repaired by crown) |
$400 |
$200 |
Total |
$2450 |
$1300 |
This example is for illustrative purposes only.
Benefit amount is based on sample MetLife plan design. Actual plan design and plan benefits may vary.
Plan Details
You can help alleviate the added cost that may result from an accident with MetLife Accident Insurance
Related Documents
Help Prepare for the Unexpected
If you’re injured in an accident, you can receive a lump-sum to use as you see fit with accident insurance.
For questions regarding MetLife benefits please call 1-888-892-5472
To make elections, assign beneficiaries or if you have any other questions for Benefit Connect, please call 888-409-3300 or visit them at Benefit Connect https://fcabenefits.ehr.com/
1 https://www.numbeo.com/cost-of-living/country_result.jsp?country=United+States
Accessed May 2021.
2 Covered services/treatments must be the result of a covered accident or sickness as defined in the group policy/certificate. See the Outline of Coverage for more detail.
3 Benefit amount is based on sample MetLife plan design. Actual plan design and plan benefits may vary.
4 Coverage 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.
5 Eligibility 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.
MetLife.com
ADF# MULTI2147.19