Everyday, the average worker faces an unknown risk of injury or illness on their job. To protect against these hidden dangers, it is important to have accident insurance for employees and their families in place before anything happens.

Accident insurance pays a cash benefit if the employee or an insured dependent (including employee’s spouse or domestic partner) is unexpectedly injured in a covered accident. This is coverage offered by the employer which the employee pays for through convenient deductions from the paycheck. The benefits are paid in lump sum amounts and can serve as a source of cash to use as the employee wishes, whether to help pay for health care expenses not covered by the health plan, help replace income lost while not working, or however the employee chooses.

Some of the common benefits covered under group accident insurance are

With health coverage becoming more expensive with higher co-pays, premiums, and deductibles, accident insurance can be a great, affordable way to supplement and cover the additional expenses your health and disability insurance doesn’t cover, including x-rays, ambulance services, deductibles, and even things like rent or groceries.

Over 40 million Americans receive treatment for an injury each year. These accidents often lead to unexpected expenses that can hurt your wallet. Accident insurance is different from health and disability insurance because it helps protect you from the unexpected costs those types don’t cover and can be considered supplemental insurance.

Helping protect employees against worst-case scenarios is not only smart, but also a caring and responsible thing. Let us partner with you to do the right thing; connect with us to know more.

It might be time to switch insurers whenever the service that your existing insurer provides doesn’t meet your needs. For example, if you have a poor claims experience or an unexplained rate increase, it might be time to consider other options

If you cancel a previous policy before a new policy is effective, you could run into some serious financial problems.

Contact us today to help you with multiple options to choose from.