Accident Insurance

As a result of higher deductibles, co-payments and maximum out-of-pocket costs with health insurance, accidents and injuries can be expensive. Accident insurance pays money directly to employees based upon the medical services required as a result of an accident or injury. There is a pre-determined schedule of payments paid to the employee based upon the services required (ambulance, emergency room, stitches, broken bones, etc.).

Employees are eligible to enroll in the benefit regardless of whether the employee has health insurance through the employer, spouse, privately or does not have health insurance. Employees may enroll just themselves or other family members (spouse, children) should they choose to do so. Employees own the benefit and can take it with them at the same rate should they leave the company or retire.