Accident Insurance
You can’t always avoid accidents — but you can help protect yourself from accident-related costs that can strain your budget. Accident insurance supplements your primary medical plan and disability programs by providing cash benefits in cases of accidental injuries.
You can use this money to help pay for uncovered medical expenses, such as your deductible or coinsurance, or for ongoing living expenses, such as your mortgage or rent. Benefits are paid directly to you — unless assigned to someone else — and are also paid in addition to other coverages you may have, such as medical or an AD&D plan.
*If you are enrolled in the HDHP Medical plan, you will be automatically enrolled in the same tier for Accident at no cost to you*
Accident Insurance pays a benefit for a wide array of events, medical services and treatments. The plan provides a lump-sum payment for many covered events such as:
- Fractures
- Dislocations
- Cuts or lacerations
- Coma and more
You’ll receive a lump-sum payment when you have these covered medical services/treatments:
- Ambulance
- Emergency care
- Inpatient surgery
- Outpatient surgery
- Physician follow-up visits
- Transportation
- Home modifications
- Medical Testing Benefits (includes x-rays, MRIs and CT Scans)
- Therapy services (including physical and occupational therapy)
This plan provides protection for covered events experienced while off the job only.
View your Accident Insurance Benefits (English)
View your Accident Insurance Benefits (Spanish)