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Product Highlights
pays benefits directly to employees
additional benefits available1
payroll-deducted premiums
easy enrollment process

Rick wants to offer employees at his car dealership a fantastic benefits package to attract the most productive salespeople and reduce turnover. He learns that high deductible medical insurance is a cost-effective option but can leave the insured with expenses such as copays and missed work income. He decides to offer accident insurance as a way to help employees protect their finances.

Employees get benefits to spend on what they need.

George, Rick's top salesman, breaks his foot at home a few weeks after signing up for accident insurance. His insurance pays specific benefits for his ER visit, an orthopedist consult and his cast. The money helps with costs like his deductible, missed work income and driving 50 miles to the orthopedist's office.

Attract and keep employees with great benefits.

The base policy offers employees like George the following included benefits:

  • Accident emergency treatment: X-rays and a doctor's care received in a hospital or doctor's office within 96 hours of an accident
  • Follow-up visits and physical therapy: follow-up treatment visits within 30 days of the original accident (within 120 for physical therapy) if the original treatment was given within 96 hours
  • Initial accident hospitalization: ambulance service, hospital admission and ICU care within 96 hours

Insurance is available to employees and spouses after age 18 and to eligible children through age 25.

Decide which type of accident insurance to offer.

You have the option to provide 24-hour or off-the-job-only insurance. You can also customize the amount of different types of benefits to best work with your major medical plan. For example, you could offer an emergency room benefit equal to your emergency room copay.

Choose an insurance company that wants to help.

Easy enrollment, friendly account executives and payroll deduction options for employee and dependent insurance premiums make integration with the human resources department convenient and hassle-free.

Offer the additional benefits best for your workforce.

You may also choose to offer employees a variety of optional riders (additional policy benefits), including:

  • Accident Hospital and ICU Income Rider (benefits for in-hospital treatment of injuries within 30 days of a covered accident for up to a year and for ICU treatment for up to 15 days)
  • Accidental Death and Dismemberment Rider (additional benefits if the insured dies of an accident within 90 days, 25-100% of the benefit amount payable for specific dismemberments and additional benefits for child education, daycare and spouse career enrichment)
  • Expanded Benefits Rider (expanded benefits for specific injuries and treatments)
  • Wellness Benefit Rider (pays for an annual health screening for employee and insured spouse after 30 days after getting the policy)
  • Disability Income Riders (riders with monthly benefit payments in the event of accident only, sickness only or spouse off-the job accident only)1

Limitations and Exclusions

Limitations and exclusions may vary by jurisdiction. See policy, certificate and riders for complete information. We will not pay benefits for losses caused by or as a result of a covered person:

  • Driving any taxi for wage, compensation or profit;
  • Mountaineering, parachuting or hang gliding;
  • Voluntarily taking, administering, absorbing, or inhaling poison, gas or fumes;
  • Alcoholism or drug addiction;
  • Participating in any sport or sporting activity for wage, compensation, profit, or racing any type of vehicle in an organized event;
  • Traveling in or descending from any vehicle or device for aerial navigation, except as a fare-paying passenger in an aircraft operated by a commercial airline (other than a charter airline) on a regularly scheduled passenger trip;
  • War, or any act of war, whether declared or undeclared;
  • Participating in any activity or event, including the operation of a vehicle, while intoxicated or under the influence according to the laws of the jurisdiction in which the accident occurred;
  • Participating in a riot, civil commotion, civil disobedience, or unlawful assembly;
  • Committing, attempting to commit, or taking part in a felony or assault, or engaging in an illegal occupation;
  • Intentionally self-inflicting bodily injury or attempting suicide while sane or insane;
  • Any loss incurred while on active duty status in the armed forces. If you notify us of such active duty, we will refund any premiums paid for any period for which no coverage is provided as a result of this exception.
  • Injuries that occur in the workplace or during the course of any employment for pay, benefit, or profit (this applies to the off-the-job-only coverage option)

Choose a company you can trust.

We will not pay benefits for a disability that is caused by or occurs as the result of childbirth or charges related to normal pregnancy occurring within the first 10 months of the effective date of this rider. Complications of pregnancy will be covered to the same extent as any other sickness.

All Disability Income Riders

We will not pay benefits for a disability that is caused by or occurs as the result of one of the following events:

  • Disability treatments outside the territorial limits of the United States or, if outside of the United States the territorial limits of the place where this rider was issued.
  • Any disability which begins after termination of coverage. This will not be considered a continuation of a previous disability and will not be covered under the contract.

Termination of Insurance

Subject to the Portability Option, insurance coverage on a employee/member will end on the earliest of:

  • The date of his or her death;
  • The date he or she ceases to be eligible for coverage;
  • The last date for which premium payment has been made to us, subject to the grace period;
  • The date he or she terminates employment/membership;
  • The date the group master policy terminates;
  • The date he or she sends us a written notice to cancel coverage.

The insurance coverage on a dependent will cease on the earliest of:

  • The date of the employee/member's death;
  • The date the employee/member's coverage terminates;
  • The last date for which premium payment has been made to us, subject to the grace period;
  • The date the dependent no longer meets the definition of dependent;
  • The date the certificate is modified so as to exclude dependent coverage;
  • The date the employee/member sends us a written notice to cancel coverage on a dependent.

Extension of Benefits

Whenever termination of coverage under this section occurs due to termination of employment/membership, such termination will be without prejudice to:

  • Any hospital confinement which began while coverage was in force; or
  • Any covered treatment or service for which benefits would be provided and which began while coverage was in force; provided, however that a covered person is and continues to be hospital confined or receiving treatment.

Such extension of benefits will continue for up to the earlier of:

  • 30 days; or
  • The date on which a covered person is no longer hospitalized or receiving treatment.

Portability

AccidentAdvance is fully portable, however, it is subject to change in premium rate due to increased administrative costs for direct billing. Portability must be initiated by the employee/certificate holder within 30 days of leaving employment or cancellation of group contract.

 

1 For these riders, acceptance will be based on answers to application questions.
CAV01B-1115

This is a brief summary of AccidentAdvance® Insurance. Policy form series CPACC100 and CCACC100. Forms and form numbers may vary. This insurance may not be available in all jurisdictions. Limitations and exclusion apply. Refer to the policy, certificate and riders for complete details.