Accident Insurance

A voluntary accident plan offers coverage for accidents, injuries, ambulance services, and accidental death in addition to your primary medical insurance. It’s also available to your spouse and children — a plan that can protect your whole family and is specifically designed to help offset the out-of-pocket expenses that medical insurance does not pay, including deductibles and copays.

The list of covered injuries includes: broken bones, burns, torn ligaments, cuts repaired by stitches, coma due to a covered injury, eye injuries, ruptured discs and concussion.

Other covered expenses include: emergency room treatment, outpatient surgery facility, doctor office visit, hospitalization, occupational therapy, speech therapy, physical therapy and chiropractic visits.

The schedule of benefits includes a full list of covered injuries and expenses. Coverage begins on the first of the month in which you have your first payroll deduction for premiums.