Accident Insurance | The Standard

Accident Insurance | The Standard
X
X

Accident Insurance

Can help ease the financial impact that comes with unexpected accident expenses.
Enroll

Here's what you need to know

Accident Insurance is a valuable financial resource if a covered accident takes you (and your budget) by surprise.

 

No one plans to be injured in an accident – they always happen without warning. You can, however, be prepared for the unexpected expenses associated with an accident 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 take the sting from your accident-related bills.

 

  • Pays a benefit for you to use however you want
  • The 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 the Affordable Care Act.

Healing from an accident injury can be costly to your budget in 2 ways:

 

  • Bills. Accidents may have unexpected out-of-pocket costs that take you by surprise. The list includes deductibles, copays, and any expenses that aren’t covered at all. All of these can put a serious dent in your savings.  
  • Lost wages. Your accident recovery could mean taking time out 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 could impact the paycheck your family may rely on to keep everything on track. No one wants to struggle to pay regular bills with a reduced income while on the mend.

 

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 – anything that becomes a financial concern if you lose income while you’re out of work.

 

Access to this insurance can help you financially while you recover from your accident. Having less financial worry can mean a more positive mindset for focusing on your recovery.

These are the periods when you are eligible to enroll for Accident Insurance:

 

  • 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.

 

Keep in mind: If you enroll during these timeframes, you have what is called "guaranteed issue," which means no medical questions or tests are required to enroll. Pre-existing condition limitations may apply.

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

 

Accident Insurance Summary

 

Accident Insurance Flyer

 

Health Maintenance Screening Benefit

 

How To File A Claim

How It Works

Number one Enroll now icon

You enroll in Accident Insurance

Number two Ambulance icon

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

Number three Giving money icon

Receive a benefit payment

Number four moneybag icon

Use your money however you want

You are injured in a covered accident.

View More
Close X

That’s when Accident Insurance comes in.

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

Frequently Asked Questions

    Handshake Icon

  • Who is the provider?

    Standard Insurance Company

     

    For more than 100 years, we have been dedicated to our core purpose: to help people achieve financial well-being and peace of mind. Headquartered in Portland, Oregon, The Standard is a nationally recognized provider of group employee benefits. to learn more about products from The standard, visit us at www.standard.com. 

     

    The Standard is a marketing name from StandCorp Financial Group, Inc. and subsidiaries. Insurance products are offered by Standard Insurance Company of Portland, Oregon, in all states except New York. Product features and availability vary by state and are solely the responsibility of Standard Insurance Company. 

    • money paper icon

  • When is a benefit paid under the plan?
    Once your insurance is effective, you’ll receive benefits for a covered accident. These benefits vary by state and may have other limitations and exclusions that may affect what’s payable. This plan provides protection for covered events experienced while off the job only. See your disclosure statement or outline of coverage/disclosure document for full details on your coverage.
    • people icon

  • Who in my family is eligible for this program?

    Members of your family who are considered eligible to enroll for 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.  

     

    *Legal spouse age 18 to 99.

    • hand coin icon

  • How much does this insurance cost?

    This is group insurance offered at group rates. Refer to the policy documents for complete details. 
    • Medicine icon

  • What types of accidents and injuries are covered?

    Once you’re enrolled in this coverage, you’ll collect benefits for more than 150 different covered events, including

     

    • Fractures
    • Dislocations
    • Second and third degree burns
    • Skin grafts
    • Torn knee cartilage
    • Concussions
    • Cuts/lacerations
    • Eye injuries
    • Coma
    • Broken teeth

     

    You’ll also receive a lump-sum payment when you have these covered medical services/treatments:

     

    • Ambulance
    • Emergency care
    • Inpatient surgery
    • Outpatient surgery
    • Medical Testing Benefits including:
      • X-rays
      • MRIs
      • CT scans
    • Physician follow-up visits
    • Transportation
    • Home modifications
    • Therapy services including:
      • Physical and occupational therapy
    medical-clipboard icon

  • Do I have to answer health questions or take a medical exam?
    No, you don’t. Your Accident Insurance is guaranteed issue, which means no medical questions or tests are required to enroll in this coverage. Pre-existing condition limitations may apply.
    • transition circle icon

  • What if my employment status changes?

    Good news! If you leave or retire from your current employer, you can 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. Higher rates may apply. 
    • calendar icon

  • When would my coverage start?

    Coverage is effective on the 1st of the month after coverage is approved.
    • wallet money icon

  • 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 with extra cash when one catches you off guard. 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.

    • Add circle icon

  • What does the Wellness Benefit cover?
    The Wellness Benefit pays a $50 annual benefit when you receive one of the following: Biopsy for skin cancer; Bone Marrow Testing; Blood tests for triglycerides, CA15-3 (breast cancer), CA125 (ovarian cancer), CEA (colon cancer), PSA (prostate cancer); Chest X-ray; Colonoscopy; Doppler screening for carotids or peripheral vascular disease; Echocardiogram; EKG; Flexible sigmoidoscopy; Hemoccult stool analysis; HPV (Human Papillomavirus) Vaccination; Lipid panel (total cholesterol count); Mammography, including Breast Ultrasound; Pap Smear, including ThinPrep Pap Test; Serum Protein Electrophoresis (test for myeloma); Stress test on bike or treadmill; Thermography; Ultrasound screening for abdominal aortic aneurysms.

Are you ready To Enroll?

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

Do You Need Help?

Our team is ready

M-F 8a-5p CT

Phone Number: 1-800-000-0000

 

 

 

 

  • Legal Disclaimers

    The Accident, Critical Illness, and Indemnity Medical Insurance coverage is provided by policy forms GVAP6, GVCIP4, and GVSP2, or state variations thereof. 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 (Home Office, Jacksonville, FL), a subsidiary of The Allstate Corporation. 


    HMS is not available in all states or on all products. 


    Not all tests are available in all states or on all products. Please reference you certificate Group Accident, Critical Illness and Hospital Indemnity insurance are limited benefits polices. Group insurance is called Specific Disease insurance in New York and Vermont. Hospital Indemnity insurance is not available in all states. 


    The Standard is a marketing name from StandCorp Financial Group, Inc. and subsidiaries. Insurance products are offered by Standard Insurance Company of Portland, Oregon, in all states except New York. Product features and availability vary by state and are solely the responsibility of Standard Insurance Company. 

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