What Is Accident Insurance?

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Home > Benefits > Supplemental Insurance (Life, Long & Short Term Disability, Accident, Etc.) > What Is Accident Insurance?

Quick Answer
Accident insurance pays fixed cash benefits for covered injuries and accident-related services.

How It Works

Pays set dollar amounts based on services received.
Includes a $50 annual wellness benefit.
Payments can be used for any purpose, including medical bills, transportation, or lost income.

Common Uses

Emergency room visits
Fractures or dislocations
Follow-up care and recovery expenses

Important Plan Information

This article provides a general overview for educational purposes only. Official benefit definitions, eligibility requirements, coverage limits, exclusions, enrollment rules, and approval determinations are governed by the applicable insurance policy and plan documents. In the event of any discrepancy, the official plan documents and insurance carrier determinations control.

Disclaimer:
This article provides general information and guidance and may not address every situation or state-specific requirement. It does not create a contract, guarantee, or promise of any specific outcome. Company policies, practices, and legal requirements may vary by state and may change over time. This article does not replace or supersede applicable laws or official Company policies, handbooks, manuals, or training materials.

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