Accident Insurance Overview

Accident Insurance has become a very popular group benefit. Accident insurance is a combination of disability insurance and supplemental accident coverage. It helps pay for deductibles and copays as well as for other treatment in addition to regular medical insurance. Many people with active lifestyles can greatly benefit from this type of additional protection. People who have children who are very active(are there any that aren't?) can also benefit. Accident coverage can cover the entire family and is a great benefit when children get those bumps and bruises playing! Also, accident insurance pays for check-ups and other wellness exams that can help prevent illness and injury. 

Accident insurance is a supplemental benefit. It can be bought stand-alone by an individual or bought through work and pre-taxed through an employer's cafeteria plan should the employee choose to adopt the program. After the premiums have been paid for on a pre-tax basis and the participants have received their wellness benefits, accident insurance typically costs the average employee very little. Further, the employer is not required to pay any part of the employees premium and it even reduces the employers FICA tax matching. Either buy it direct or Ask about it at work!

Disability Insurance Quotes