Motor vehicle and other unexpected accidents cause 29 million trips to the emergency room each year.* Unanticipated—and uncovered—after-treatment ER bills average over $600.** 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:

  • Covers more than 150 types of injuries, medical services, and treatments related to accidents.
  • Employee group rates. For rate information, please refer to the rate chart under the Learn More section.
  • Spouse/domestic partner and children can be protected too.
  • Provided by a leading accident insurance provider: Metlife
  • Guaranteed acceptance with no medical exam if you enroll during annual enrollment.1
  • Portable - you can keep your coverage if you leave your employer.2
  • *National Safety Council, Injury Facts®, 2017 Edition
    ** CNBC, "Many get hit with surprise 'out-of-network' bill after emergency rooms: Study," viewed 6-15-17 at


Add accident insurance coverage to help offset costs that may not be covered under your employer's existing medical plan.

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How It Works


Answers about the plan, including eligibility, options, enrollment and customer service.
  • Who is the provider?

    With over 150 years of experience, MetLife is a recognized leader in protection planning as well as retirement and savings solutions.
  • How can this help me?

    When an accident occurs, 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 the required copay, or the lost wages you or your 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 cash benefit to cover the costs associated with unexpected covered accidents.

  • Who is eligible?

    You and your eligible family members6 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 a medical restriction as set forth on the enrollment form and in the Certificate. Some states require the insured to have medical coverage.4
  • When can I enroll?

    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 annual enrollment period.
  • What if my employment status changes?

    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, you can opt for other payment methods such as direct 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.4
  • Will my rates increase as I get older or if I file a claim?

    No, your rates will not increase due to age, health or individual claims.
  • What types of accidents and injuries am I covered for?

     Our accident insurance pays a benefit for a wide array of events, medical services, and treatments.7

    This plan provides a lump-sum payment for over 150 different covered events, such as:

    • Fractures8
    • Dislocations8
    • Second and third degree burns
    • Skin grafts
    • Torn knee cartilage
    • Ruptured disc
    • Concussions
    • Cuts or lacerations
    • Eye injuries
    • Coma
    • Broken teeth


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

    • 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)

    This plan provides protection for covered events experienced while off the job only. See your Disclosure Statement or Outline of Coverage/Disclosure Document for full details on your coverage.

  • Will I have to take a medical exam to get this coverage?

    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.3

The Voluntary Benefits program is administered by Mercer Health & Benefits Administration LLC (Mercer Voluntary Benefits). UNFI permits this insurance to be offered to its associates for their convenience. UNFI does not pay for these benefits, endorse or otherwise maintain this insurance as an associates benefit plan. 


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.





Mercer's Role & Compensation

Details of Mercer disclosure of the compensation.