What is Accident insurance?

Accident insurance pays cash in case of an accident or accidental death. Employees who opt for this voluntary plan are covered for things like emergency room treatment, transportation, hospital admissions and a wide range of injuries and surgeries.

Coverage that employees can select will be based on the policy that employers make available. With this coverage, employees can remove some of the financial worry of an unexpected event and put the emphasis on getting better.

Who should consider it?

Anyone who travels, exercises, plays sports, takes on home-improvement projects or spends time in a car—in other words, just about everyone—runs some risk of having an accident. The extra protection employers make available through voluntary Accident insurance helps employees live and work with one less thing to worry about.

  • Key benefits

    Key benefits

    • Several levels of coverage may be available
    • 24-hour coverage for both on- and off-the-job accidents
    • Benefits of up to $150,000 are paid directly to the employee
    • Coverage is available to all employees, anywhere in the United States
    • Coverage is available to eligible family members
  • Additional features

    Additional features

    Accident insurance includes a wellness benefit that can be applied toward common wellness exams, such as a mammogram or colonoscopy. Employers can also add an Accidental Death & Dismemberment rider.

  • Application process

    Application process

    For information or to request a proposal for a Voluntary Accident insurance policy underwritten by USAble Life or The Hartford, please contact your Mosaic Group representative.