A few years ago, on a whim, I took a day trip with my husband to a little Midwestern ski resort. The slopes were tiny, and I’m a good skier, so it never occurred to me that I might get hurt — until I hit an icy patch, fell backwards and landed on my head. In the end I was okay, but couldn’t help but wonder — what if it had been more serious?

If a serious injury or illness happens to you, it could keep you in bed for months, which means no work, no paycheck, and no one to watch the kids while you lie in bed recovering. Could you afford that? Most people would say no, which is where accident and critical illness insurance come in. They help cover extra expenses — like food, daycare, and bills — that you incur when you are knocked out of commission.

The video above explains how these products work, why you should have them, and how to find out if these benefit options are available through your workplace. Give it a watch, then check out MetLife’s YouTube Learning Center for more information about this and other insurance options to help ensure that you and your family are protected.

Sarah Fister Gale is a freelance business writer based in Chicago.