Voluntary Accident Insurance

Major injuries are painful. But the financial impact of the medical treatment doesn’t have to be.

Accidents happen. You can’t always prevent them, but you can take steps to reduce the financial impact, which can absorb your savings and even cause bankruptcy or foreclosure if you are not prepared.


Voluntary Accident Insurance provides benefits for covered injuries and specified accident-related expenses for an individual or family. Since health insurance only covers certain expenses (and plan limits can apply), this individual policy is designed to help cover the out-of-pocket expenses that result from a covered accident.


You have the choice of two plans, a Low Plan and a High Plan to choose the plan that best meets your needs.


For more information call MetLife at 1-877-ADPTS01 (877-237-8701).

The plan covers a wide variety of injuries and accident-related expenses such as:


  • Fractures
  • Dislocations
  • Cuts/Lacerations
  • Hospitalization
  • Concussions
  • Physical Therapy
  • Burns


  • Health Screening Benefit: This policy provides a wellness reimbursement of $75 per covered person when you complete a preventive health screening.

  • 24/7 Coverage: Benefits are paid for accidents that occur on and off the job.


  • Family Coverage: You can also elect to cover your spouse and children.*


  • Guaranteed Acceptance: There are no health questions or physical exams required as long as you are actively at work.


  • Portable Coverage: Your coverage is portable, which means you can take your policy with you if you retire or leave the company.


The policy or its provisions may vary or be unavailable in some states. The policy has exclusions and limitations which may affect any benefits payable.

*If you elect coverage for your dependent children, you must provide notification to your employer when all of your dependent children exceed the dependent child age limit or no longer otherwise meet the definition of a dependent child.

If you elect coverage for your spouse, you must provide notification to your employer if your spouse not longer meets the definition of a spouse.


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Non-Paid Owners will be direct billed by MetLife for the above coverage. Commission-Only Employees are not eligible for the coverage.

This plan is not a replacement for medical insurance.

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