The Financial Impact of Unexpected Accidents
When accidents happen, the financial burden extends far beyond medical bills. Even with health insurance, employees face significant out-of-pocket costs that can create financial stress and impact productivity.
- High deductibles and copays with standard health insurance
- Lost wages during recovery from serious injuries
- Transportation costs for medical appointments and treatments
- Childcare and household help during recovery
- Home modifications needed after serious injuries
- Out-of-network providers and services not covered by insurance
These unexpected expenses can derail financial stability and create stress that hinders recovery and return to work.
Financial Protection When Accidents Happen
Group Accident Insurance provides cash benefits directly to employees to help cover out-of-pocket expenses when accidents occur – whether at work, at home, or during leisure activities.
Cash Benefits
Direct payments to employees for covered accidents, regardless of other insurance.
24/7 Protection
Coverage applies anywhere, anytime – at work, at home, or during travel.
Family Coverage
Optional coverage for spouses and children at affordable group rates.
Simple Claims
Straightforward claims process with benefits paid directly to employees.
Comprehensive Accident Coverage
Financial protection for a wide range of accidental injuries
Emergency Accident
Benefits for emergency treatment following covered accidents.
- ER visit benefits
- Hospital admission benefits
- Ambulance service coverage
- Emergency physician services
- Urgent care facility visits
Specific Injury
Scheduled benefits for specific types of injuries.
- Fracture benefits
- Dislocation benefits
- Laceration benefits
- Burn injury benefits
- Concussion benefits
AD&D Protection
Financial protection for the most serious accident outcomes.
- Accidental death benefits
- Loss of limb benefits
- Loss of sight benefits
- Loss of speech/hearing benefits
- Paralysis benefits
The All Assured Advantage for Group Accident Insurance
Our Group Accident Insurance comes with the All Assured Advantage – specialized features and services that provide comprehensive protection and support.
- Customized Coverage Levels: Flexible benefit amounts to match your workforce needs and budget
- Voluntary Benefits: Employee-paid coverage with convenient payroll deduction
- Wellness Incentives: Premium discounts for safety training and wellness program participation
- Claims Advocacy: Dedicated support to ensure fast, fair claims processing
- Safety Resources: Educational materials and tools to help prevent accidents
Comprehensive Injury Coverage
Our Group Accident Insurance provides scheduled benefits for a wide range of injuries, giving employees financial support when they need it most.
- Fractures: Arm, leg, wrist, ankle, rib, and other bone fractures
- Dislocations: Shoulder, elbow, hip, knee, and other joint dislocations
- Lacerations: Cuts requiring stitches or surgical repair
- Burns: First, second, and third-degree burns
- Concussions: Traumatic brain injuries from accidents
- Sprains & Strains: Serious ligament and muscle injuries
- Dental Injuries: Accidental damage to natural teeth
- Eye Injuries: Corneal abrasions, retinal damage, and other eye trauma
How Group Accident Insurance Works
Simple enrollment and straightforward claims process
Employer Enrollment
Employer selects coverage options and benefit levels for their workforce.
Employee Participation
Employer selects coverage options and benefit levels for their workforce.
Accident Occurs
Employee experiences a covered accident and receives medical treatment.
Claim Submission
Employee submits simple claim form with supporting documentation.
Benefit Payment
Claim is processed and benefit payment is issued directly to employee.
Protect Your Team from Unexpected Accidents
Accidents can happen anytime, on or off the job. Group Accident Insurance helps provide financial support for employees in the event of accidental injuries, offering added protection and peace of mind.