Accidents can happen when you least expect them. And while you can’t always prevent them, you can get help to make your recovery less expensive and stressful.

In the U.S. there are approximately 35 million trips to the emergency room (ER) annually due to injuries.¹ These visits can be expensive — in fact, ER bills average around $2,032 per visit,² and even seemingly small injuries can come with unexpectedly high hospital bills.

You may be thinking — that’s why I have health insurance. But even the best medical plans may leave you with unexpected expenses like deductibles, co-pays, extra costs for out-of-network care, and non-covered services.

Accident insurance provides a financial cushion for life’s unexpected events. You can use it to help pay costs that aren’t covered by your medical plan. It provides you with a lump-sum payment — one convenient payment all at once — when you or your family need it most. The extra cash can help you focus on getting back on track, without worrying about finding the money to help cover the costs of treatment.

And best of all, the payment is made directly to you, and is in addition to any other insurance you may have. It’s yours to spend however you like, including for your or your family’s everyday living expenses.

Whatever you need while recovering from an accident or injury, accident insurance is there to make life a little easier. Additional features include:

• Competitive group rates
• Spouse and children can be protected too
• Guaranteed acceptance with no medical exam if you enroll during the Enrollment Period and are actively at work³
• Portable coverage so you can take it with you⁴

¹Centers for Disease Control and Prevention: Emergency Department Visits. CDC/National Center for Health Statistics. Accessed March 2018.
²2016 Health Care Cost and Utilization Report. Health Care Cost Institute, 2016. https://www.healthcostinstitute.org/research/annual-reports/entry/2016-health-care-cost-and-utilization-report
³Coverage 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.
⁴Eligibility 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.
⁵Eligible Family Members mean all persons eligible for coverage as defined in the Certificate.
⁶Chip fractures are paid at 25% of Fracture Benefit and partial dislocations are paid at 25% of Dislocation Benefit.
⁷Covered services/treatments must be the result of a covered accident as defined in the group policy/certificate. See your Disclosure Statement or Outline of Coverage/Disclosure Document for more details.

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 is a preexisting condition limitation for hospital sickness benefits, if applicable. MetLife's Accident Insurance may be subject to benefit reductions that begin at age 65. And, like most group accident and health insurance policies, policies offered by MetLife may 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, New York.