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Motor vehicle and other unexpected accidents cause 45 million trips to the emergency room each year—costing on average $1,350 per visit.* Your major medical insurance will help with many of your expenses, but wouldn’t you feel better knowing you’ll have extra help paying some of your bill?

Accident insurance pays you a lump sum cash benefit to help cover your out-of-pocket expenses so you can focus more on getting well and less on the extra expenses an accident can bring. Benefits include:

  • Payments for injuries and medical services and treatments related to accidents.
  • Competitive group rates.
  • Spouse/domestic partner and children can be protected too.
  • Guaranteed acceptance with no medical exam if you enroll during the Enrollment Period and are actively at work.**
  • Portable – you can keep your coverage if you leave your employer.***

*National Hospital Ambulatory Medical Care Survey: 2009 Emergency Department Summary Tables (based on 136 million total annual ER visits). American Hospital Association Resource Center, April 2012.
**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.
***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.

How it works

Accident Insurance

These form(s) are in Adobe Acrobat Reader (PDF) format and are available for downloading and printing.

Accident Overview

Accident FAQ

Accident Infographic

Accident Plan Summary

Answers about the plan, including eligibility, options, enrollment, customer service and more.

With over 145 years of experience, MetLife is a recognized leader in protection planning and retirement and savings solutions.

Most families don’t budget for the costs associated with accidents. When an accident does occur, the last thing that should be on your mind is the charges accumulating while at the emergency room:

  • Ambulance ride
  • Casts
  • Use of the emergency room
  • Wheelchairs
  • Surgery and anesthesia
  • Crutches
  • Stitches

 

These costs can add up fast. Most families have medical insurance that will cover a majority of the expenses. But, what about the out-of-pocket medical expenses, such as required copay, or the lost wages an employee or spouse/domestic partner loses when out of work or staying home to care for an injured family member? You hope that an accident never happens, but at some point you very well may take a trip to your local emergency room. If that time comes, wouldn’t it be nice to have an insurance plan that pays you a benefit regardless of any other insurance you have? Group Accident insurance does just that, providing a lump-sum cash that you can use to help cover the costs associated with unexpected trips to the emergency room.

You and your eligible family members just need to enroll during your enrollment period and be actively at work for your coverage to be effective. Dependents to be enrolled may not be subject to and medical restriction as set forth on the enrollment form and in the Certificate. Some states require the insured to have medical coverage.1

As a new hire, you can enroll during your new hire enrollment period. Outside of your new hire enrollment period, enrollment is limited to the company’s annual enrollment period.

When you leave or retire from your current employer, you can continue your coverage without interruption, subject to applicable law and the policies' terms and conditions. Although payroll deduction will no longer be available if you retire or leave your company, you can opt for other payment methods such as direct checking or bank account deduction, or home billing.

Your coverage will only end if you stop paying your premium or if your employer offers you similar coverage with a different insurance carrier.2

No, your rates will not increase due to age, health or individual claims.

Once you’re enrolled in this coverage, you’ll collect benefits for more than 150 different covered events3, including

  • Fractures4
  • Dislocations4
  • Second and third degree burns
  • Skin grafts
  • Torn knee cartilage
  • Concussions
  • Cuts/lacerations
  • Eye injuries
  • Coma
  • Broken teeth

You’ll also receive a lump-sum payment when you have these covered medical services/treatments3:

  • Ambulance
  • Emergency care
  • Inpatient surgery
  • Outpatient surgery
  • Medical Testing Benefits including:
    • X-rays
    • MRIs
    • CT scans
  • Physician follow-up visits
  • Transportation
  • Home modifications
  • Therapy services including:
    • Physical and occupational therapy

No! Your Accident insurance is guaranteed issue, which means your acceptance is guaranteed, provided you enroll during the Enrollment Period, are actively at work and dependents to be covered are not under a medical restriction as set forth in the Certificate. There are no medical exams to take and no health questions to answer. Some states require the insured to have medical coverage.1

1 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.
2 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. 3 Covered services/treatments must be the result of a covered accident as defined in the group policy/certificate. See the Disclosure Statement or Outline of Coverage/ Disclosure Document for more details.
4 Chip fractures are paid at 25% of Fracture Benefit and partial dislocations are paid at 25% of Dislocation Benefit.

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 exclusion 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.

Accident Insurance:

Coverage Tier Low Plan
Monthly Deduction
High Plan
Monthly Deduction
Employee Only $4.54 $7.57
Employee + Spouse $8.91 $15.25
Employee + Child(ren) $9.65 $16.44
Family $12.11 $20.39

Johns Hopkins University Accident OOC Disclosure

We're here to help! Please contact us in whatever manner is most convenient for you.

Mercer Voluntary Benefits
12421 Meredith Drive
Urbandale , IA 50398
Phone: 1-866-795-9362
M-F, 8:00 am - 6:00 pm EST/EDT
Email: EmployerBenefitsInquiries.Service@Mercer.com

 

Enroll Now

Newly Hired Employees in their first 30 days of employment click here:

Enroll Now

Learn More about Accident Insurance

Attention Current Policyholders

Attention Current Policyholders:

As of 12/31/2017 Mercer Voluntary Benefits will no longer be supporting payroll deductions for the Colonial Life Accident plan. If you wish to retain this policy, you will automatically be moved to direct bill by Colonial Life.

You will have the following options regarding your Accident coverage:

  • Continue coverage with Colonial Life on direct bill
  • Enroll in the enhanced Accident coverage with MetLife
  • Continue coverage with Colonial Life on direct bill and enroll with MetLife

If you wish to cancel your Colonial Life policy, please call 1-888-524-4339.

Our Role and Compensation

Details of Mercer disclosure of the compensation.

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DISCLAIMER: These are voluntary benefit plans that Johns Hopkins University makes available to its employees through Mercer Voluntary Benefits. Johns Hopkins University does not contribute to any policy or service offered under the program. For those offerings that involve individual policies, Johns Hopkins University's responsibilities are limited to coordinating payroll deductions for premium payment and your contract for coverage will be with each insurance company or plan provider. For those offerings that involve group coverage, Johns Hopkins University's responsibilities are governed pursuant to the appropriate Master Policy provisions. You are under no obligation to purchase any of the voluntary policies or services offered through this site; you are also free to explore other options including purchase of policies or services directly from an insurance company or provider.