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man sitting in chair with hurt ankle and crutchesAccidents happen; that’s why they’re called accidents. And they can happen to anyone at any time, resulting in everything from a broken arm to a broken back – or worse. While you make a 10-minute safety speech, two people in the United States will be killed and about 753 will suffer an injury severe enough to require a consultation with a medical professional.1

After a serious injury occurs, most people immediately focus on treatment and recovery. However, once the initial shock wears off, their thoughts may turn to finances. While major medical insurance may pay some doctor, lab, pharmacy and hospital costs, most people are left with out-of-pocket expenses. These may include expenses that aren’t covered by major medical insurance and bills stemming from a temporary loss of income. Fortunately, accident insurance can help fill the financial void.

What is accident insurance?

Voluntary accident insurance helps employees cope with out-of-pocket costs associated with serious accidents or illnesses — costs major medical insurance was never intended to pay. In the event of a covered incident, accident insurance provides cash benefits that can be used in any way they see fit (unless otherwise assigned). It helps workers and their families stay ahead of the medical and out-of-pocket expenses that add up so quickly after an injury, including treatment related costs and everyday bills that continue to roll in. Depending upon the policy, accident insurance pays a specific benefit amount for:

  • Emergency room treatment, X-rays, diagnostic exams, physical therapy and follow-up treatment.
  • Ground or air ambulance to a hospital.
  • Each day the policyholder is confined in a hospital due to injuries sustained in a covered accident.

In addition, some policyholders may select an optional accidental death benefit rider, which pays a lump-sum death benefit for covered common-carrier accidents and other accidents.

It’s important to note that health exams aren’t required to qualify for voluntary accident insurance. If an employer offers a voluntary accident plan, workers may receive payroll rates and have premiums deducted from their paychecks. Who needs accident insurance?

Who needs accident insurance?

Unlike some insurance policies that may be more appropriate for certain age groups or at-risk individuals, voluntary accident coverage may be beneficial to most employees because it helps provide financial protection from accidents they can’t afford. Why provide employees the opportunity to apply for accident insurance?

Why provide employees the opportunity to apply for accident insurance?

Voluntary accident coverage helps provide financial confidence for workers and their families. Even those with comprehensive major medical plans in place will find that out-of-pocket costs stemming from an accidental injury can be substantial. In fact, 56 percent of workers would need to borrow from a 401(k) and/or use a credit card to cover expenses associated with an unexpected serious illness or accident.2

Even the most minor of accidents, such as a broken arm, can lead to temporary loss of income and inability to pay normal living expenses. Regular bills, including the mortgage or rent, car payments and utility bills, don’t stop when an individual is laid up after an injury. The protection accident insurance helps provide allows policyholders and their families to focus on recovery – not on finances.

A real-life experience

Accidents happen, and aside from making the first visit to Concentra after each incident, I just went through the motions of doing what I had to do to get better. In 2013, I fell in a general education classroom while trying to escort a child in a meltdown state out of there into the more “dignified” space of the AS room and hurt my back and hip right before the holidays. Soon after, another child, a general education student, in a fit of intense anger, shoved the door so that the handle hit me right in the injured hip. Another incident occurred when a student I was working with pulled me to the ground by my hair in a quick flash. However, I never filed claims.

Frustrated and always seeming to be on the mend, I finally contacted my Aflac insurance agent. It had been nearly two years since my first accident, with the others following.

I didn’t know if I could go back that far, but he was wonderful. He worked tirelessly and expeditiously to help me file all of my claims, including those three work injuries as well as my wellness visits that were just part of my routine health care. Aflac paid me for initial visits to the ER/doctor, follow-up appointments with specialists, MRls, X-rays and physical therapy appointments.

The Aflac benefit checks helped me to pay my out-of-pocket expenses for everything from the gas to get to all of the appointments, parking fees and copays to the general expenses that just seem to catch up when you’re not at your best.

Thank you, Aflac!

Lois Hellegas, Pennsylvania
Testimonial valid through 11/15/17