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Group Accident Insurance

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Every day, workers encounter unexpected risks of injury or illness on the job. Protecting your employees and their families with accident insurance ensures they’re covered before the unforeseen occurs.

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401-500-5026

EMAIL ADDRESS

danielle@insurance-legacy.com

What is Group Accident Insurance?

Accident insurance provides a cash benefit if an employee or their insured dependent such as a spouse or domestic partner is injured in a covered accident. Offered through the employer, employees pay premiums via easy paycheck deductions. Benefits are paid as lump sums, giving employees flexible funds to cover medical costs, replace lost income, or use as they see fit.

What Does Group Accident Insurance Cover?

Common benefits covered by group accident insurance include:

Injuries like fractures, dislocations, concussions, lacerations, eye injuries, torn cartilage, ruptured discs, and severe burns.
Medical services such as ambulance rides, emergency care, therapy, diagnostic tests (X-rays, MRIs, CT scans), medical equipment, and certain surgeries.
Hospitalization costs including admission, confinement, and inpatient rehabilitation.
Additional coverage like accidental death, dismemberment, paralysis, and lodging expenses.

Benefits of Group Accident Insurance

As health coverage costs rise with higher co-pays, premiums, and deductibles accident insurance offers an affordable way to cover extra expenses that your health and disability plans may miss, like x-rays, ambulance rides, deductibles, or even everyday bills like rent and groceries.

Each year, over 40 million Americans seek treatment for injuries, often facing unexpected costs. Unlike health or disability insurance, accident insurance helps protect against these surprise expenses, serving as a valuable supplemental coverage.

Providing this protection to employees isn’t just smart it’s compassionate and responsible. Let’s work together to safeguard your team. Contact us to learn more!