Accident Insurance for Employees

Accident Insurance for Employees

The value of accident insurance

Although accidents are unexpected and usually come without warning, employees don’t have to let an injury catch them off guard. They can be prepared to handle the accompanying medical expenses with the help of an accident insurance policy.

How accident insurance works

Accident insurance pays a lump-sum cash benefit for covered injuries employees or an insured family member sustains as a result of an accident (as defined by the policy). Because accident insurance is supplemental, it works in addition to other insurance employees may have.

The cash benefit from accident insurance can be used to:

  • Pay for out-of-pocket medical expenses
  • Supplement daily living expenses
  • Cover lost income from unpaid time off

Designed with employers and employees in mind

Employer Benefits 

  • Available with voluntary, non-contributory and contributory options
  • Standard schedules, with flexible category and benefit levels
  • Complements a high-deductible health plan or disability plan
  • Can be packaged with other group insurance products on one bill

Employee Benefits

  • Easy to understand benefits
  • Pays lump-sum cash benefit paid directly to the insured – regardless of other insurance coverage
  • Coverage for most common injuries due to accidents
  • Optional express benefit paid upon notification of accident, without proof required for full claim
  • If portability* is included, coverage is fully portable

Optional Features and Services*

  • Annual benefit maximum (ABM)
  • 24-hour and off-job coverage
  • Family care benefits that provide payouts for child care, transportation and lodging
  • Catastrophic benefits that offers protection for death, dismemberment, paralysis, coma, reasonable modifications following a catastrophic loss and transport/repatriation of remains
  • Health screening benefit
  • Coverage options for spouse and/or child(ren)

        * Additional premium may apply.

Enrollment made easy

We provide a streamlined strategy to educate employees and keep the cost of enrollment low. We will work with you to help consult, plan and execute enrollment.

We provide:

  • Pre-enrollment strategy and planning meeting
  • Pre-enrollment communication materials (postcards, emails, videos)
  • Personalized enrollment forms and simple needs-based benefit communications
  • On-site group meetings
  • Professional enrollment representatives (bilingual)
  • Partnership with trusted third-party enrollment resources that specialize in group benefits

Get more with Mutual SolutionsSM

Our value added services are designed to help employers manage productivity, while helping employees manage life challenges so they continue to stay productive at work.

  • Employee Assistance Program**

    Support for personal and workplace issues.
  • AbsencePro℠ (FMLA)**

    Manage Family and Medical Leave Act (FMLA) and Americans with Disabilities Act (ADA) related leaves of absence.
  • Hearing Discount Program

    Hearing aid and hearing screening services.
  • Travel Assistance**

    Travel and identity theft solution.

We are here for you