Why It's Important


Group Accident Insurance can help cover the curveballs life can throw you. It provides a lump-sum cash benefit, so you can spend less time worrying about expenses and more time healing.

Portable, Take It With You

You can keep the coverage, even if you change jobs and leave the company.1


You can apply right at work. Coverage is available to actively at work employees. You can access educational resources or get guidance 24 hours a day from MassMutual.

Group Accident Insurance (GPAC), (policy/certificate forms MM-GPAC-2015 and MM-GCAC-2015, and MM-GPAC-2015 (NC) and MM-GCAC-2015 (NC) in North Carolina) is limited benefit, non-participating group insurance. The GPAC policy and GCAC certificates are issued by Massachusetts Mutual Life Insurance Company, Springfield, MA 01111-0001.


MASSMUTUAL GROUP ACCIDENT INSURANCE PROVIDES LIMITED BENEFITS.  Like most group accident and health insurance policies, this policy has exclusions and limitations that may affect any benefits payable. Some benefits have limited availability based on age. Benefits payable are subject to the terms and conditions of the policy. MassMutual has the right to change rates and may cancel the policy at any time. The policy, its name, provisions, covered benefits, and optional riders may vary or be unavailable in some states. See the actual policy or contact your MassMutual representative for specific provisions and details of availability.

Did you know...

  • Emergency rooms in the United States handle over 37 million injury related visits per year.2
  • In 2013 in the U.S., there were an estimated 494,000 emergency department visits due to bicycle-related injuries.3
  • 32.8% of respondents to a survey from Federal Reserve Bank of New York may be unable to pay for a unexpected $2,000 expense.4

1 Portability is not available in all states.

2 Centers for Disease Control Emergency department visits. Retrieved from http://www.cdc.gov/nchs/fastasts/emergency-department.htm

3 Centers for Disease Control. Injury prevention & control. Motor vehicle safety. Retrieved from http://www.cdc.gov/motorvehiclesafety/bicycle/index.html

4 Federal Reserve Bank of New York: SCE Credit Access Survey, February 2017

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