Accident Insurance | MetLife

Accident Insurance | MetLife
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Voluntary Accident Insurance

New plan enhancement for 2025: Option to enroll in low plan or high plan. Can help ease the financial impact that comes with unexpected accident expenses.
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Here's what you need to know

Accident Insurance is a valuable financial resource if a covered accident takes you (and your budget) by surprise.

 

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 annual enrollment

 

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

 

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.

 

Voluntary Accident Plan Summary

How It Works

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You enroll in Accident Insurance

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After insurance is in effect, you are injured in a covered accident  

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Receive a benefit payment

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Use your money however you want

You are injured in a covered accident.

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That’s when Accident Insurance comes in.

Because you have Accident Insurance, you get a cash benefit payment you can use for out-of-pocket expenses – or even put toward regular monthly bills.

Frequently Asked Questions

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  • Who is the provider?

    MetLife

     

    With over 150 years of experience, MetLife is a leading innovator and a recognized leader in protection planning and retirement & savings solutions.

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  • 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.
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  • 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 employee working 16+ 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. 

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  • How much does this coverage cost?

    You pay an affordable employee discounted group rate. Monthly group rates are based on the employee's attained age and the coverage tier selected.
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  • Do I have to answer health questions or take a medical exam?
    No, you don’t. If you enroll during your eligible enrollment periods, you have "guaranteed issue," which means you may qualify for insurance without answering health questions.2
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  • 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. 
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  • When would my coverage start?

    If you enroll during Navistar's annual enrollment, coverage is effective on the date shown on the Certificate after the application is received and approved. You must be actively at work on the coverage effective date. 

     

    If you enroll during a new hire or qualifying life event period, coverage is effective the 1st of the month following the enrollment form approval date, provided all the eligibility requirements are met.

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  • 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.

Are you ready To Enroll?

Act now to elect Accident Insurance to help offset expenses that may not be covered by other insurance.
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Do You Need Help?

Our team is ready

M-F 8a-5p CST

Phone Number: 1-855-781-5198

  • Legal Disclaimers

    1Covered services/treatments must be the result of an accident or sickness as defined in the group policy/certificate. See your Disclosure Statement or Outline of Coverage/Disclosure Document for more details.

     

    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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