Accident Insurance

Accident Insurance
Each year, more than 10% of people sought medical attention or suffered at least one day of activity restriction because of an injury. On average every hour, there are 11 unintentional-injury deaths and about 2.3 disabling injuries.

Accident insurance pays a lump sum benefit on or off the job accidental injuries, plus some medical benefits.

Accident policies offer benefits that pay on a cash basis directly to the insured and are available either individually or through an employer. These policies provide peace of mind, knowing that benefits are paid directly to you the insured and paid regardless of other coverage.

Because accident insurance is supplemental, it works in addition to other insurance so it can be used on its own or to fill a gap left by other coverage.
There are three benefit levels and have options of adding a Sickness Disability Income Rider Benefit, Benefit Enhancement Rider Benefit, and Wellness Plus Rider Benefit.

The policy includes benefits for:

• Dislocation or Fracture

• Loss of Life and Limbs

• Medical Expenses

• Ambulance

• Hospitalization Benefits

• Disability (Primary Insured Only)

Benefit Enhancement Rider Benefits Include:

• Lacerations Benefit

• Eye Surgery Benefit

• Skin Graft Benefit

• Blood and Plasma Benefit

• Paralysis Benefit

• Physical Therapy Benefit

• Brain Injury Benefit

• Burns Benefit

• Plus many others

If you are interested in your employer offering these benefits, contact us and we will help walk you through the process.