Page 22 - Eden Housing 2022 Benefit Guide

Accident Insurance

Accidents can happen any time. MetLife Group Accident
insurance helps you pay for expenses related to unexpected
accidents and injuries. Accident insurance pays in addition to your
medical plan, and benefits are payable regardless of any other Benefits of Voluntary
insurance plans. Acting as a financial cushion, accidental Insurance
insurance is essential for life’s unexpected events. The extra cash
• Coverage is affordable and
can help you focus on getting back on track, without worrying
offered to you at group rates.
about finding the money to help cover the costs of treatment.
• You can buy coverage for
yourself, your spouse and
The benefit amount is determined by the injury and medical care
children.
received and paid in a lump sum amount. No health questions are
• You own the policy. If you
required, but a pre-existing condition clause may apply.
leave Eden or retire, you can
take it with you.
Monthly Accident Rates Low Plan High Plan
• Coverage is effective on the
Employee Only $8.28 $11.16 first day of the month in

Employee + Spouse $16.35 $21.91 which payroll deductions
begin.
Employee + Child(ren) $18.44 $24.62
Employee + Family $22.86 $30.53

MetLife Voluntary Accident Plans
24-Hour Coverage (On/Off Job) Lump Sum Payouts* (Benefits)
Low Plan High Plan
$25,000 $50,000
Basic Accidental Death $75,000 for accidental death on $150,000 for accidental death on
common carrier* common carrier*
Accidental Dismemberment $750 - $20,000 $1,000 - $40,000
Accidental Injury
$25 - $10,000 $50 - $15,000
Fracture, Dislocation, Burn, etc.
Medical Treatment
$75 - $1,500 $50 - $2,000
Ambulance, Therapy, Lodging, etc.
*For a full list of benefits and what the plan covers, please review the MetLife benefit summary and certificate

*Accidental Death Benefit – The benefit amount will be reduced by the amount of any accidental
dismemberment/functional loss/paralysis benefits and modification benefit paid for injuries sustained by the
covered person in the same accident for which the accidental benefit is being paid

21