Accident Insurance

Accident Insurance

MIT provides an accidental death & dismemberment insurance plan with coverage up to $100,000, depending on your age and other limitations. Enrollment is automatic. MIT pays the full cost of accidental death & dismemberment insurance. 


You are eligible for MIT's Accidental Death & Dismemberment Insurance if you are paid by MIT, are appointed to work at MIT for at least three months, and work at least 50% of the normal full-time work schedule.

Next Steps

  1. Confirm your eligibility
  2. Designate or update your beneficiary (below)

Your MIT Accidental Death & Dismemberment Insurance Coverage

In the event of your dismemberment or death in a covered accident — work-related or not — the MIT Accidental Death & Dismemberment Insurance policy pays the full amount of your coverage to you or your designated beneficiary in a single payment.

Reductions in coverage as you age

As described in the table below, the amount of coverage provided by the MIT Accidental Death & Dismemberment Insurance policy decreases every five years after you reach 65 until you reach 95.

Age as of July 1 following your birthday Amount of your coverage
at least 65 but less than 70 $66,000
at least 70 but less than 75 $44,000
at least 75 but less than 80 $34,000
at least 80 but less than 85 $26,000
at least 85 but less than 90 $20,000
at least 90 but less than 95 $16,000
95 or older $12,000

More on Eligibility

Who is eligible

  • you have been appointed — and are currently employed — to work at MIT for at least three months
  • you work at least 50% of the normal full-time work schedule
  • you are paid by MIT

Who is NOT eligible

  • visitor
  • contractor
  • affiliate
  • teaching or research assistant
  • honorary lecturer
  • summer appointment
  • non-MIT student program worker
  • international visiting student
  • post-doctoral fellow
  • paid by MITemps
  • student in a work-study program
  • family member who is not employed by MIT
  • member of the armed services assigned to MIT

Members of collective bargaining units

All the plan provisions are subject to the terms of your collective bargaining agreement.

Business Travel Accident Insurance

MIT's Business Travel Accident Insurance provides benefits to eligible employees traveling to domestic and international locations on Institute business. Benefits are for emergency medical evacuation, accidental death, dismemberment, and repatriation expenses. The plan covers five times base annual salary, with a $250,000 minimum and $1 million maximum. MIT pays the full cost of this coverage. Learn more about business travel accident insurance or find out what to do in case of an accident or mishap while traveling on business.

Forms & Publications

Accident Insurance Related Forms & Publications

Life Insurance Beneficiary Designation Formpdf
Business Travel Accident Insurance Summary Annual Reportpdf