Group Accident Insurance

Employees pick up the entire cost of the premium with voluntary accident insurance. They choose who to cover and pay the premiums through payroll deduction.

Accident insurance can help employees and their families be better prepared to handle expenses that pop up after an accidental injury. A lump-sum cash benefit is paid directly to the insured person after having a covered injury. This benefit provides cash that can be used however it’s needed.

Accident insurance helps your employees maintain financial wellness. The expenses that can result from unexpected injuries can often be overwhelming to your employees and their families. When they’re covered by accident insurance, they can breathe a sigh of relief that they’re better prepared financially just in case an accident happens.

Our accident insurance is different, offering a simplified design that’s unlike many other accident coverages. It pays an up-front, lump-sum benefit based on covered injuries received—regardless of other coverages or actual expenses. It’s not dependent on services, tests, or treatments, so employees can get paid right away with less paperwork. And there’s no guesswork about the benefit amount.

The benefit can be used any way the employee chooses, such as medical deductibles and copayments, transportation, food and lodging, child care, lost income from missing work, home healthcare needs, and more.

Accident insurance covers:

• Burns
• Comas
• Concussions
• Dental or eye injuries
• Dislocations
• Fractures
• Internal injuries
• Knee cartilage
• Ruptured disc
• Tendon/ligament/rotator cuff injuries

Our simplified product design includes these features:

• Simplified design, minimal paperwork, and quick claims
• Proof of good health is never required
• Employees can buy protection for their spouse and/or kids
• You can include an accidental death and dismemberment (AD&D) benefit, wellness, and portability

Employees and their dependents can call a free, confidential emotional health support line 24 hours a day, 7 days a week to reach licensed behavioral health clinicians who can provide emotional support, tips for healthy coping, and referrals to local resources.

Talk to our financial professionals about offering group accident insurance. And, consider combining group accident insurance with other offerings for a more comprehensive benefits package.