Motor vehicle and other unexpected injury-related accidents cause 37 million* trips to the emergency room each year—which could cost you more than $2,000.** Your major medical insurance will help with many of your expenses, but wouldn’t you feel better knowing you’ll have extra help paying some of your bill?
Group Accident insurance pays you a lump sum cash benefit to help cover your out-of-pocket expenses so you can focus more on getting well and less on the extra expenses an accident can bring. Benefits include:
Thanks to your employer’s group rates, you’ll pay less for this coverage than you would for individual coverage you’d find on your own. See below for your affordable rate.
Employee + Spouse/Domestic Partner:
Employees + Child:
*National Hospital Ambulatory Medical Care Survey: 2013 Emergency Department Summary Tables (based on 130 million total annual ER visits).
American Hospital Association Resource Center, April 2012.
** The Washington Post, “With or without insurance, visits to emergency rooms can be very expensive,” published 8/22/16, viewed at https://www.washingtonpost.com/national/health-science/with-or-without-insurance-visits-to-emergency-rooms-can-be-very-expensive/2016/08/19/2fe6b18c-17b1-11e6-9e16-2e5a123aac62_story.html
Answers about the plan, including eligibility, options, enrollment, customer service and more.
Who is the provider?
A leading provider of employee benefits.
Allstate Benefits is the marketing name used by American Heritage Life Insurance Company (Home Office, Jacksonville, FL), a subsidiary of The Allstate Corporation.
How can this help me?
Most families don’t budget for the costs associated with accidents. When an accident does occur, the last thing on your mind is the charges accumulating while at the emergency room:
These costs can add up fast. Most families have medical insurance that will cover a majority of the expenses. But, what about the out-of-pocket medical expenses, such as lost wages an employee or spouse/domestic partner loses when out of work or staying home to care for an injured family member? You hope that an accident never happens, but at some point you very well may take a trip to your local emergency room. If that time comes, wouldn’t it be nice to have an insurance plan that pays you a benefit regardless of any other insurance you have? Group Accident insurance does just that, providing a cash benefit to cover the costs associated with unexpected trips to the emergency room.
Who is eligible?
When can I enroll?
What if my employment status changes?
When you leave or retire from your current employer, you can continue your coverage without interruption, subject to applicable law and the policies' terms and conditions. Although payroll deduction will no longer be available if you retire or leave your company, you can opt for other payment methods, if available, such as pension deduction, direct checking, bank account deduction, credit card billing, or home billing. Higher rates may apply.
Retirees turning age 65 and who currently have direct bill coverage through Alight will need to be ported to direct bill through the carrier.
Will my rates increase as I get older or if I file a claim?
Will I have to take a medical exam to get this coverage? (for all)
What types of accidents and injuries am I covered for?
Once you’re enrolled in this coverage, you’ll collect benefits for more than 150 different covered events, including
You’ll also receive a lump-sum payment when you have these covered medical services/treatments: