Accident Insurance Choosing to expect the unexpected
Have you ever thought about what you would do if you or a family member were accidentally injured or died as a result of an accident? Accidents are unexpected and can strike any member of your family. The costs associated with treatment can mount quickly. • One in six U.S. residents require medical treatment from an injury each year. 1 • Over 40 million Americans visit a physician’s office for unintentional injuries each year. 2 • The 2007 national economic impact of unintentional injuries mounted to $684.4 billion. 2 How can accident insurance help? For covered accidental injuries, fixed benefits are paid directly to you regardless of any other coverage you may have and you can spend it any way you choose. Benefits are paid according to a fixed schedule that includes benefits for hospitalization, fractures and dislocations, emergency room visits, major diagnostic exams, physical therapy and more. If you or a covered dependent should die as a result of an accidental injury within 365 days while the coverage remains in force, a death benefit is payable. How do I know if I’m eligible to participate in this plan? You are eligible to participate if you are an active full-time employee as defined by your employer and meet any other policyholder defined eligibility requirements. This product is inappropriate for those persons who are eligible for Medicaid coverage.
Key Advantages of This Plan
• Provides coverage for off-the-job accidents. • Benefits are payable directly to you to be spent any way you choose. • Pays in addition to any other coverage you may have. • No health questions or pre-existing conditions limitations. • Fast and accurate claims service. • Coverage is fully portable – if you change jobs you can take your coverage with you.
1 Center for Disease Control, Congressional Testimony, May 1, 2008 2 National Safety Council, “Injury Facts” 2008
Sources:
This is an accident only insurance policy. It provides limited benefits and has some specific benefit limits. It does not pay benefits for sickness or loss from any other cause and is not a policy of Workers’ Compensation. Please refer to the issued insurance policy for complete details and all benefit requirements including all limitations, exclusions and restrictions. We reserve the right to cancel the policy with advance written notice to the policyholder. Insurance policies and certain policy benefits are subject to state variations and may not be available in all states. Issued insurance contracts determine all plan features and benefits.
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