ACCIDENT And DISABILITY PLANS

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Accident Insurance is a type of insurance where the policy holder is paid directly in the event of an accident resulting in injury of the insured. The insured can spend the benefit payment however they choose. Accident insurance is complementary to, not a replacement for, health insurance.

• The Accidental Death & Dismemberment insurance pays benefits in the case of a person’s accidental death or dismemberment, which is the loss—or loss of use—of body parts or functions.

• Hospital Sickness Coverage pays for one more unexpected event, hospitalization due to sickness. If you’re ill and admitted to the hospital for more than 24 hours, you’re paid a lump sum payment to help with those costs, one payment per covered person per calendar year.

• No Network Limitations, which means you are not require to stay in a network. You’re paid the same no matter what doctor or health care facility gives you care.

Benefits are paid directly to you. You receive a fixed amounts for covered services related to accidental injuries. Then you decide how best to use that money to help your situation

If you choose a plan that includes critical illness or hospital stay for sickness benefits, those benefits have a 30-day waiting period in most states.

Your benefits payments can help with those out-of-pocket costs your main health insurance doesn’t cover, and caused by unexpected accidents.