Accident insurance is a supplemental policy that helps you pay for those incidents that you can’t plan for. Accident insurance pays a lump sum benefit directly to you for services incurred related to a covered accident.
How it works:
- Select a plan option with premium amount to meet your needs.
- If you have an accident and receive medical attention, file a claim to receive cash benefits.
- Payment can be utilized however you see fit. Use it for things such as: additional medical bills, medical travel, or everyday household expenses.
- Plan options include physician benefit, that does not need to be accident related, and may be claimed yearly.
Meeting your needs:
- Guaranteed issue coverage
- Coverage can include your dependents.
- Benefits paid regardless of other medical or disability plan coverage.
Services covered:
This plan pays benefits for accident-related services based on a set schedule. See plan brochure for additional details. Covered spouses get 50% of the amount shown in the injury benefit schedule and children receive 25%
- Plan 1 includes benefits up to $4000 for complete dislocation/fracture, $40,000 accidental death and dismemberment, and an outpatient physician’s treatment visit of $50.
- Plan 2 includes benefit up to $6000 for complete dislocation/Fracture, $60,000 accidental death and dismemberment, and an outpatient physician’s treatment visit of $75.
Action must be taken by you if you would like to enroll in or change benefit elections during Open Enrollment (Nov. 1 – Dec. 1, 2023). Policy enrollments/changes will be effective January 1, 2024. View more information at the Virtual Benefits fair.