Accident Insurance

The University offers full-time, benefit-eligible faculty and staff access to voluntary accident insurance administered by MetLife. Accident insurance provides a lump-sum benefit payment to protect you and your family from financial hardship if you or a covered family member dies or suffers a serious injury as result of an accident. The payment can help with any of the out-of-pocket expenses incurred as a result of an accident, such as insurance deductibles, copays, transportation to/from medical centers, childcare and more.


Benefit-eligible faculty and staff members are eligible to enroll. Participation is voluntary for an additional monthly premium. Evidence of insurability is not required.

Dependent children who meet the dependent verification requirements are eligible up to the age of 26. Once a child loses eligibility, the child’s coverage will terminate at the end of the calendar month in which eligibility is lost.

If both spouses are eligible University employees, only one of you (not both) may choose individual + 1 or family coverage, and only one of you may cover dependent children. You may not be concurrently enrolled both as an employee and as a dependent.

Covered Benefits

Below is a partial summary of benefits covered. For a complete Schedule of Covered Benefits please see the Certificate of Coverage. For the Accident Plan Summaries click below:

HDHP Accident Plan Summary (PDF)

Accident Plan Summary (PDF)

Benefit Payout
Daily Hospital Limit $100 per day
Up to 365 days
Must be confined to hospital for at least 24 hours within 180 days after the accident
Hospital Admission Subsequent diagnosis has 0-day separation period between conditions
Must be confined to hospital for at least 24 hours within 180 days after the accident
Emergency Room Treatment Up to $100
Payable only once per covered accident and per covered person; occurrence must begin within 96 hours after covered incident
Physician Follow-Up Visit $50
Up to 2 treatments
X-Ray $100
Included in medical testing
Ambulance (Ground/Air) $200/$750
Appliance Up to $500
Physical Therapy $15 per treatment
Up to 6 treatments per accident
Fractures Up to $3,000
Chip fractures: 25%
Dislocations Up to $3,000
AD&D (employee) Up to $25,000
3 times for death on common carrier
Other Covered Benefits Blood, plasma, platelets; Broken tooth; Burns, skin graft, lacerations; Coma; Concussion; Eye injury; Hospital rehabilitation; Inpatient surgery; Lodging; Medical testing; Outpatient ambulatory surgery; pain management; prosthetic device; Tendon, ligament, rotator cuff, ruptured disc; Therapy services; Torn knee cartilage; Transportation

Accident Insurance Rates

Coverage Level Rate
Individual* $6.88
Individual + 1 $12.04
Family $16.46
Benefit Reductions: 25% at age 65; 50% at age 70

*Participants who enroll in the University High Deductible Health Plan (HDHP) are automatically enrolled in Accident Insurance individual coverage at no additional cost. For more information please review the information on HDHP.

How Accident Benefit Payments Work

Benefits are paid when an accident causes fractures, dislocations, loss of limbs, burns, hospital and ambulance expenses, accident-related disabilities or death. It can also assist to cover costs regarding hospital/emergency room care, injuries requiring surgery, ambulance fees, physical therapy, recovery income and family lodging.

Claims Process

MetLife administers the University’s accident insurance claim process. Eligible faculty and staff must contact MetLife directly to file a claim by writing or calling their toll-free number, 1-800-GET-MET8 (1-800-438-6388) and speaking with a MetLife benefits consultant or through Metlife’s website at Notice of claim and proof is generally described below. Please refer to your Certificate of Coverage for complete information on claim information.

Step 1: Initiate claim by writing or calling MetLife’s toll free number within 30 days of the date of incident. Be prepared to provide the following:

  • When prompted for type of coverage, state “Group Accident” or “Critical Illness”
  • Your individual policy number (found on your certificate of coverage)
  • Your name and Notre Dame NDID

Step 2: MetLife will send a claim form for completion within 15 days of notice of claim.

Step 3: Complete claim form as instructed and return it by mail or fax with the required proof within 90 days, but no later than 12 months from the date of incident.

Step 4: Payment will be made to you via check or direct deposit per your election on the claim form.

Additional Information

How to register on

Accident Insurance Certificate of Coverage (PDF)

High Deductible Health Plan

Frequently Asked Questions:

Do I need to provide evidence of insurability?
No. You and your dependents are guaranteed issue within the first 31 days from date of hire or a qualifying event.

What is the maximum amount I can receive?
The maximum amount you can receive is based upon a schedule of covered benefits. Please refer to your certificate for a listing of this coverage.

How do I pay for my coverage?
Your coverage is paid through payroll deduction.

Is there a waiting period before my policy is effective?
No. Your policy is effective the first of the month following date of hire or qualifying event.

Do benefits reduce as I age?
Yes, benefits are reduced 25% at age 65 and 50% at age 70.

If I separate from the University, can I keep my coverage?
Yes, you must make a request within 31 days of separation from the University and you must continue to pay the premiums to keep your coverage in force.

How do I update my beneficiary?
Through MetLife directly, otherwise will be paid to the beneficiary on record with the University.

Is the lump sum payment taxable to me?
If you are enrolled in the HDHP employer paid, the lump sum payment is taxable to you and you will receive a 1099 at tax time. If you are enrolled in the voluntary employee paid plan, the lump sum payment is not taxable to you.