We are pleased to offer our members with outstanding worksite products through leading insurance and benefit carriers. Always growing, our list of products are setup to help you meet the needs of your clients.
Accident Insurance policies provide a chosen benefit amount for a covered accident. The benefit is activated when injuries, disability, or death is caused solely by unforeseen accidental, external, violent, and obvious events.
Consider the following:
- 23.2 million disabling injuries were reported in 2004;
- most of those were work related.
- a disabling injury occurs every second.
Source: Injury Facts, National Safety Council, 2005-2006 Edition
Benefits from an accident insurance plan can help pay the out-of-pocket expenses related to an accidental injury that traditional medical coverage wouldn’t cover.
The types of coverage normally provided under a personal accident policy include:
- Accidental death
- Permanent disablement
- Medical expenses
- Temporary total or partial disablement
- Corrective surgery
- Hospitalization benefits
- Funeral expenses
The scope of coverage and scale of benefits differ between insurance companies and should therefore be evaluated to ensure a policy which meets the particular requirements of the employee.
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