Accident Insurance pays you benefits for specific injuries and events resulting from a covered accident. See the product brochure, certificate of coverage and any applicable riders for a complete list of covered injuries and events, along with complete provisions, exclusions and limitations.

No one plans to be injured in an accident – they always happen without warning. You can, however, be prepared for the unexpected expenses associated with an accident by enrolling in Accident Insurance. Once you're enrolled, you'll be better prepared to lessen the financial impact of a covered accident.

• Pays a benefit directly to you to use however you want
• The payment is made directly to you
• It provides benefits that can help you pay for out-of-pocket medical expenses you may experience after a covered accident
• In addition to medical care, you may use it to pay for things like childcare, lodging, or over-the-counter medication

You can collect this benefit in addition to other coverage you have, including your employer’s major medical plan, any other type of medical coverage, disability insurance, or other benefits you may be eligible to collect. Accident Insurance is a limited benefit. It is not health insurance and does not satisfy the requirement of minimum essential coverage under the Affordable Care Act.

Healing from an accidental injury can be costly to your budget. Accidents may have unexpected out-of-pocket costs that take you by surprise. The list includes deductibles, copays, and any expenses that aren’t covered at all.

You may use your Accident Insurance payment any way you choose. It’s 100% your call how to spend the money you receive, without limitations or approvals from your major medical insurance. You can use it to help pay for out-of-pocket medical expenses or non-medical expenses – anything that becomes a financial concern.

Accident Insurance can help minimize the financial impact of an accident.

These are the periods when you are eligible to enroll for Accident Insurance:

• Within your new hire enrollment period 
• If you have a qualifying life event (you get married, have a baby, etc.)
• During your employer’s annual enrollment 

Check with your employer’s human resources/benefits team for specifics about these timeframes.

Keep in mind: Accident Insurance is guaranteed issue coverage meaning you do not need to answer health questions in order to enroll. Certain riders may include pre-existing condition limitations.

These form(s) are in Adobe Acrobat Reader (PDF) format and are available for downloading and printing.

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