Accident Coverage

Even with excellent health care, an accident can require expensive treatments, tests, therapies, and other services. This benefit pays if you experience one of the covered accidents.

You have the option of a basic or platinum plan. Both plans cover all listed accidents, with the platinum plan paying a higher benefit for covered events

You can't always prevent an accident, but this coverage allows you to prepare for one and gives additional financial security as you recover.

See an overview of covered accidents

Benefit Features

Accident insurance covers more than 150 events. Included features:

Basic plan or platinum plan options
Both plans cover the same accidents, but the platinum plan pays a higher benefit
Pays a lump sum paid directly to you

Includes benefit for accidental death
Death benefit pays $25,000 under the basic plan and $50,000 under the platinum plan, or triple if it occurs by carriers such as public transportation

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Here's a quick overview:

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Covered Events

Covered Events Include...

Fractures
Dislocations
2nd or 3rd degree burns
Skin grafts
Torn knee cartilage
Ruptured disc
Concussions
Cuts/lacerations
Eye injuries
Coma
Broken teeth

When Treated By...

Ambulance
Emergency care
Inpatient surgery
Outpatient surgery
Medical testing, including: X-ray, MRI, and CT scan
Physician follow-up visits
Transportation
Home modifications
Therapy services, including physical, speech, and occupational

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Basic | Platinum

Additional Death Benefit

There's also a benefit paid for accidental death for the amounts listed. The benefit payment triples if the covered death occurs by common carrier, such as public transportation.

Employee

$25,000 | $50,000

Spouse/Partner

$12,500 | $25,000

Dependent

$5,000 | $10,000

Answers to Your Questions

For each covered accident, a lump-sum payment is made directly to you, not your doctor. Spend the money how you choose.
Accident benefits are not a substitute for medical coverage. It can be held concurrently, complementing your other plans. Receiving a benefit from one will not interfere with the other.

As long as the policyholder is actively employed, the employee, spouse, and eligible dependents up to age 26 are guaranteed coverage. No medical exam is necessary.

The payable benefit reduces by 25% at age 65-69 and 50% at age 70+.

Accidents are paid up to the benefit level. There is coverage for over 150 events, including fractures, burns, injuries, and more. for a more complete overview, please see teh SBC document:
Accident SBC

Covered accidents must be treated by one of the methods listed to receive the benefit payment:

Ambulance, Emergency care, In or outpatient surgery, Medical testing, including x-ray, MRI, or CT scan, Physician follow-up visits, Transportation, Home modifications, Therapy, including physical, speech, or occupational

The plan will not provide benefits for self-inflicted injury or death, accidents caused by medication, injuries related to war or terrorist acts, food poisoning, accidents while intoxicated, mental illness, air travel, or extreme sports such as bungee jumping.

No. Since you won't need to present your coverage to any medical providers, you do not need an ID card for this benefit.

When it's time to enroll, you can view pricing for all plan options right in your Elevate by Nextep™ account or mobile app. As you click through the enrollment screens, a running tally will track and display your monthly costs in real time.

Need help choosing? Use the built-in Decision Support tool to get tailored benefit recommendations based on your unique lifestyle and budget.

You can take this benefit with you if your employment ends. The group-discounted amount you pay through your company may differ from your individual cost. Payment and continuation of benefits are your responsibility after employment ends, arranged directly with MetLife.

When you receive a diagnosis for a covered accident, simply complete and submit a claim form. A lump-sum payment is made directly to you for each covered event, not to a doctor or hospital. You can spend the money however you choose.

Yes, the benefit payment is yours to use as you see fit. You have the flexibility to apply those funds toward medical deductibles, copayments, or general living expenses.

The money goes straight into your pocket; never to doctors, hospitals, or clinics. You will receive a check made out directly to you so you can use the cash exactly where you need it most.

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