Accident Insurance

Accident insurance is a supplemental policy designed to help cover unexpected costs from accidents. It provides a lump sum payment directly to you for expenses related to a covered accident. See plan brochure for additional details.

How It Works:

• Choose Your Plan: Select a plan and premium that suits your needs.
• File a Claim: If you experience an accident and receive medical care, submit a claim to get cash benefits.
• Use Funds as Needed: The payment can be used for medical bills, travel, or everyday expenses.

Plan Features:

• Guaranteed Coverage: Includes dependents and pays out regardless of other medical or disability coverage.
• Annual Physician Benefit: Provides a yearly benefit for physician visits, even if not accident related.
• Benefits paid regardless of other medical or disability plan coverage.

Benefits:

• Plan 1: Up to $4,000 for dislocations/fractures, $40,000 for accidental death and dismemberment, and $50 for outpatient physician visits.
• Plan 2: Up to $6,000 for dislocations/fractures, $60,000 for accidental death and dismemberment, and $75 for outpatient physician visits.
• Covered spouses get 50% of the amount shown in the injury benefit schedule and children receive 25%

Enrollment Information:

• Open Enrollment (Nov. 1 – Dec.1) Changes take effect January 1, 2025.
• Learn More: Visit the Virtual Benefits Fair for additional details.

Stay Informed:

• HR Updates: Follow the HR Blog for news, benefits insights, and professional development opportunities.
• Wellness News: Stay updated by following the Wellness Blog.