When an accident does occur, the last thing on your mind is the potential financial impact.

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 expenses, such as copays, deductibles, or even groceries or child care expense? 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 insurance coverage that pays you a benefit regardless of any other insurance you have? Accident insurance does just that, providing benefits for specific injuries and events that result from a covered accident.

You, your spouse and eligible children qualify for this coverage.  

• All active employees (a minimum hours working per week may be required).
• Your spouse*— Coverage is available only if employee coverage is elected.
• Your children— to age 26. Coverage is available only if employee coverage is elected.

*The use of “spouse” means a person insured as a spouse as described in the certificate of insurance or rider. This may include domestic partners or civil union partners as defined by the group policy. Please contact your employer for more information.

Once you’re enrolled in this coverage, you may qualify to receive benefits for items such as those listed below, as long as they are a result of a covered accident. Benefit types and amounts are determined by the type of plan selected, the circumstances of your accident and the care you receive. You may be required to seek care for your injury within a set amount of time. Note that there are some variations by state. For a complete description of your available benefits, exclusions and limitations, see your certificate of insurance and any riders.

¹Laceration benefits are a total of all lacerations per accident. Payable once per covered accident. If your injury qualifies as both a laceration and puncture wound, only one benefit in the higher amount will be payable.
²Complete separated joint that does not require a surgical repair. If you receive more than one dislocation in the same covered accident, a benefit is payable for all dislocations. However, the benefit amount will be no more than two times the benefit amount for the joint involved which pays the highest benefit amount. Other limitations and maximums may apply.
³Completely separated joint that requires surgical repair. If you receive more than one dislocation in the same covered accident, a benefit is payable for all dislocations. However, the benefit amount will be no more than two times the benefit amount for the joint involved which pays the highest benefit amount. Other limitations and maximums may apply.
⁴Fracture that does not require a surgical repair. If you receive more than one fracture in a covered accident, a benefit is payable for all fractures. However, the benefit will be no more than two times the benefit amount listed for the bone which pays the highest benefit amount.
⁵Fracture that does require surgical repair. If the doctor diagnoses the fracture as a chip fracture, the benefit will be reduced to a percentage of what would have been paid for a Non-Surgical Repair Fracture of the same bone. If you receive more than one fracture in a covered accident, a benefit is payable for all fractures. However, the benefit will be no more than 2x the benefit amount listed for the bone with pays the highest benefit amount.

Standard exclusions for the Certificate, Spouse Accident Insurance, and Children’s Accident Insurance are listed below. (These may vary by state.) For a complete description of your available benefits, exclusions and limitations, see your certificate of insurance and any riders.

Benefits are not payable for any loss caused in whole or directly by any of the following*:

• Participation or attempt to participate in a felony or illegal activity.
• An accident while the covered person is operating a motorized vehicle while intoxicated. Intoxication means the covered person’s blood alcohol content meets or exceeds the legal presumption of intoxication under the laws of the state where the accident occurred.
• Suicide, attempted suicide or any intentionally self-inflicted injury, while sane or insane.
• War or any act of war, whether declared or undeclared, other than acts of terrorism.
• Loss sustained while on active duty as a member of the armed forces of any nation. We will refund, upon written notice of such service, any premium which has been accepted for any period not covered as a result of this exclusion.
• Alcoholism, drug abuse, or misuse of alcohol or taking of drugs, other than under the direction of a doctor.
• Riding in or driving any motor-driven vehicle in a race, stunt show or speed test.
• Operating, or training to operate, or service as a crew member of, or jumping, parachuting or falling from, any aircraft or hot air balloon, including those which are not motor-driven. Flying as a fare-paying passenger is not excluded. Performing these acts as part of your employment with the employer is not excluded.
• Engaging in hang-gliding, bungee jumping, parachuting, sail gliding, parasailing, parakiting, kite surfing or any similar activities.
• Practicing for, or participating in, any semi-professional or professional competitive athletic contests for which any type of compensation or remuneration is received.
• Any sickness or declining process caused by a sickness.