Group Accident Insurance

Group Accident Insurance Provided By Our Agency

Every day, the average worker faces an unknown risk of injury or illness on their job. To protect against these hidden dangers, it is essential to have accident insurance for employees and their families in place before anything happens.

What is Group Accident Insurance?

Accident insurance pays a cash benefit if the employee or an insured dependent (including the employee’s spouse or domestic partner) is unexpectedly injured in a covered accident. This is coverage offered by the employer, which the employee pays for through convenient deductions from the paycheck. The benefits are paid in lump sum amounts and can serve as a source of cash to use as the employee wishes, whether to help pay for health care expenses not covered by the health plan, help replace income lost while not working or however the employee chooses.

What does Group Accident Insurance cover?

Some of the common benefits covered under group accident insurance are

Injuries: such as fractures, dislocations, concussions, lacerations, eye injuries, torn knee cartilage, ruptured discs, and severe burns.
Medical Services and Treatments: such as ambulance, emergency care, therapy services, medical testing (including X-rays, MRIs, CT scans), medical appliances, and certain types of surgeries.
Hospitalization: hospital admission, confinement, and inpatient rehab after an accident.
Additional Benefits: such as accidental death, dismemberment, loss, paralysis, a supplemental benefit for lodging.

Check with us to find various options that suit your business and employees.

Benefits of Group Accident Insurance

With health coverage becoming more expensive with higher co-pays, premiums, and deductibles, accident insurance can be a great, affordable way to supplement and cover the additional expenses your health and disability insurance doesn’t cover. These can include x-rays, ambulance services, deductibles, and even things like rent or groceries.

Over 40 million Americans receive treatment for an injury each year. But unfortunately, these accidents often lead to unexpected expenses that can hurt your wallet. Accident insurance is different from health and disability insurance because it helps protect you from the unexpected costs those types don’t cover and can be considered supplemental insurance.

Helping protect employees against worst-case scenarios is not only smart but also a caring and responsible thing. So, let us partner with you to do the right thing; connect with us to learn more.

Already have Group Accident Insurance? Switching is easy

It might be time to switch insurers whenever the service that your existing insurer provides doesn’t meet your needs. For example, if you have a poor claims experience or an unexplained rate increase, it might be time to consider other options

If you cancel a previous policy before a new policy is effective, you could run into some serious financial problems.