Accident Insurance | Allstate

Accident Insurance | Allstate
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Accident Insurance

Can help with unexpected accident-related expenses.
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Here's what you need to know

Accident Insurance is a valuable financial resource if a covered accident takes place.

No one plans to be injured in an accident – they always happen without warning. You can, however, be prepared by enrolling in Accident Insurance. Once you’re enrolled, you’ll be better prepared with an added cushion of financial security that’s specifically designed to help with accident-related bills. 

 

  • Pays a benefit for you to use however you want
  • The cash payment is made directly to you
  • It can help pay out-of-pocket expenses related to medical care associated with covered accidents
  • In addition to medical care, you may use it to pay for things like childcare, lodging, or over-the-counter medication

 

You can collect this benefit in addition to other coverage you have, including your employer’s major medical plan, any other type of medical coverage, disability insurance, or other benefits you may be eligible to collect. However, it is NOT health insurance and does not satisfy the requirement of minimum essential coverage under federal law.

Recovering from an accidental injury can be costly in two ways:

 

  • Bills. Accidents may have unexpected out-of-pocket costs. The list includes deductibles, copays, coinsurance and any expenses that aren’t covered at all. All of these could affect your finances.  
  • Lost wages. Your accident recovery could mean taking time off of work – either a little or a lot, depending on your needs. Or a family member might need to take time off to drive you to medical appointments or assist you in other ways. Either may affect the paycheck your family may rely on to keep everything on track.

 

You may use your Accident Insurance payment any way you choose. It’s 100% your call how to spend the money you receive, without limitations or approvals from your major medical insurance. You can use it to help pay for medical expenses or non-medical expenses.

 

With Accident Insurance from Allstate Benefits, you can gain the advantage of financial support, thanks to the cash benefits paid directly to you. You also gain the financial empowerment to seek the treatment you need.

You are eligible to enroll in Accident Insurance during the following times:

  • Within your new hire enrollment period 
  • If you have a qualifying life event (you get married, have a baby, etc.)
  • During your employer’s annual enrollment 

 

Check with your employer’s human resources/benefits team for specifics about these timeframes.

These form(s) are in Adobe Acrobat Reader (PDF) format and are available for downloading and printing.

 

Add brochures or plan overviews here if provided.

How It Works

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Someone enrolls in 

Accident Insurance

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After it’s in effect, they are injured in a covered accident 

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They receive a benefit payment

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They use the money however they choose

Someone is injured in a covered accident.

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That’s when Accident Insurance comes in.

Because they have Accident Insurance, they get a cash benefit payment they can use for out-of-pocket expenses – or even put toward regular monthly bills.

Frequently Asked Questions

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  • Who is the provider?

    Allstate Benefits

     

    Allstate Benefits is a leading provider of supplemental insurance coverage to over 50,000 groups and insures more than four million people nationwide. For more than six decades, Allstate Benefits has delivered superior products and services with cutting-edge technology, exceptional customer service and compassionate claims administration.

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  • When is a benefit paid under the plan?
    Once your insurance is effective, you’ll receive benefits for covered accidents. These benefits vary by state and may have other limitations and exclusions that may affect what’s payable. See your disclosure statement or outline of coverage/disclosure document for full details on your coverage.
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  • Who in my family is eligible for this program?

    Members of your family who are considered eligible to enroll in this insurance include:

    • You – if you are an active employee
    • Your legal spouse
    • Your eligible dependent children

     

    You must be enrolled in coverage for members of your family to also enroll.  

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  • How much does this insurance cost?

    This is group insurance offered at group rates. Refer to the policy documents for complete details. 
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  • What if my employment status changes?

    Good news! If you leave or retire from your current employer, you may be able to continue your Accident Insurance without interruption (subject to applicable law and the policy’s terms and conditions). Although payroll deduction will no longer be available, you can opt for other payment methods such as direct bank account deduction, credit card billing or home billing. Coverage and premiums are not affected by you leaving the group
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  • When would my coverage start?

    Coverage is effective on the 1st of the month it is approved by Allstate Benefits.
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  • Am I really free to use the payment any way I choose?

    Yes, you are! There are no restrictions or requirements about how you can use your accident cash benefit. Accidents aren’t something you can plan for – but you can be prepared. You’re free to use this money on anything you choose, including out-of-pocket medical expenses and/or non-medical expenses. It can feel empowering to have this kind of flexibility.

Are you ready To Enroll?

Act now to elect Accident Insurance to help offset expenses that may not be covered by other insurance.
Enroll Here

Do You Need Help?

Our team is ready

M-F 8a-5p CT

Phone Number: 1-800-000-0000

 

 

 

 

  • Legal Disclaimers

    The coverage provided is limited benefit supplemental accident insurance underwritten by American Heritage Life Insurance Company, Home Office, Jacksonville, FL. This is a brief overview of the benefits available. Details of the coverage, including exclusions and other limitations are included in the certificates issued.

     

    Allstate Benefits is the marketing name used by American Heritage Life Insurance Company, a subsidiary of The Allstate Corporation.

  • Mercer's Role & Compensation
    View details of Mercer's disclosure of compensation