Most families don’t budget for the costs associated with accidents. When an accident does occur, the last thing on your mind is the charges accumulating while at the emergency room:

• Ambulance ride
• Casts
• Use of the emergency room
• Wheelchairs
• Surgery and Anesthesia
• Crutches
• Stitches
• Bandages

These costs can add up fast. Most families have medical insurance that will cover a majority of the expenses. But, what about the out-of-pocket medical expenses, such as lost wages an employee or spouse/domestic partner loses when out of work or staying home to care for an injured family member? You hope that an accident never happens, but at some point you very well may take a trip to your local emergency room. If that time comes, wouldn’t it be nice to have an insurance plan that pays you a benefit regardless of any other insurance you have? Accident insurance does just that, providing benefits to cover the costs associated with unexpected accidents. 

You, your spouse and eligible children qualify for this coverage.  

• All active employees (a minimum hours working per week requirement may be required).
• Your spouse.* Coverage is available only if employee coverage is elected.
• Your children— to age 26. Coverage is available only if employee coverage is elected.

*The use of “spouse” means a person insured as a spouse as described in the certificate of insurance or rider. This may include domestic partners or civil union partners as defined by the group policy. Please contact your employer for more information.

Once you’re enrolled in this coverage, you may qualify to receive benefits for items such as those listed below, as long as they are a result of a covered accident. Benefit types and amounts are determined by the type of plan selected, the circumstances of your accident and the care you receive. You may be required to seek care for your injury within a set amount of time.  Note that there are some variations by state.  For a complete description of your available benefits, exclusions and limitations, see your certificate of insurance and any riders.

*This option may not be included. Please review your certificate of coverage for details.

To keep your rates affordable, benefits are not payable for any loss caused or contributed to by any of the following:

• Participation or attempt to participate in a felony or illegal activity.
• An accident while the covered person is operating a motorized vehicle while intoxicated. Intoxication means the covered person’s blood alcohol content meets or exceeds the legal presumption of intoxication under the laws of the state where the accident occurred.
• Suicide, attempted suicide or any intentionally self-inflicted injury, while sane or insane.
• War or any act of war, whether declared or undeclared, other than acts of terrorism.
• Loss sustained while on active duty as a member of the armed forces of any nation. We will refund, upon written notice of such service, any premium which has been accepted for any period not covered as a result of this exclusion.
• Alcoholism, drug abuse, or misuse of alcohol or taking of drugs, other than under the direction of a doctor.
• Riding in or driving any motor-driven vehicle in a race, stunt show or speed test.
• Operating, or training to operate, or service as a crew member of, or jumping, parachuting or falling from, any aircraft or hot air balloon, including those which are not motor-driven. Flying as a fare-paying passenger is not excluded.
• Engaging in hang-gliding, bungee jumping, parachuting, sail gliding, parasailing, parakiting, kite surfing or any similar activities.
• Practicing for, or participating in, any semiprofessional or professional competitive athletic contests for which any type of compensation or remuneration is received.
• Any sickness or declining process caused by a sickness.
• Work for pay, profit or gain, if your employer elects to exclude work-related sicknesses or accidents under the policy.

*Exclusions and limitations may vary by state. Consult your certificate of insurance for exact language.