Dad and son on camping trip.

Accident insurance

Accidents can happen at any time, leaving employees with unexpected expenses. Our accident insurance provides a cash benefit to help take care of expenses — anything from high deductibles to copayments to everyday bills.

Cash benefits

Employees get cash in their pockets when it’s needed most, even if they have other insurance benefits. And employers can choose to offer this benefit as an employer-paid core coverage or an employee-paid option — whichever fits their business’ and employees’ needs best.

  • Pays a lump-sum cash benefit directly to the employee for each covered accidental injury, including multiple injuries sustained in a single accident.
  • Provides simple, modular plan designs that flexibly cover each employer’s needs and their employees’ price points.
  • Focuses on family needs, including safety, accident prevention, and child-specific benefits.
  • Offers spouse and child coverage.

Easy to get, easy to keep, easy to administer​

  • No medical questions are required to receive coverage.
  • Coverage is portable for employees leaving the company.
  • Technology platform is built to provide end-to-end administration, flexible billing options and self-service capabilities.1

Flexible rider options

  • Employers can select which riders to add to their employees’ base plans.
  • Five riders make it easy to customize coverage — the Health Assessment Benefit,2 Sickness Hospital Confinement Benefit3, Moving Vehicle Benefit4, Child Sports Injury Benefit5 and Accident Death and Dismemberment Benefit.

1 New technology platform will be available in 2019.
2 Not available in CT, IN, KS, MI, MN, MO, ND, NE, NH, NJ, NM, NY, VT and WA.
3 Available on an employee choice basis. Not available in CO, CT, IN, KS, MA, MD, MI, MN, MO, ND, NH, NJ, NM, NY, TN, VT and WA.
4 Not available in IN and NY.
5 Not available in NY.

Some benefits have limits on the number of services provided or limit the time frame in which the services must be rendered. See your certificate booklet or policy for more information. This insurance product does not satisfy the requirement of minimum essential coverage under the Affordable Care Act.

Insurance products (policy series GL401) are issued by The Lincoln National Life Insurance Company (Fort Wayne, IN), which does not solicit business in New York, nor is it licensed to do so. In New York, insurance products (policy series GL401) are issued by Lincoln Life & Annuity Company of New York (Syracuse, NY). Both are Lincoln Financial Group companies. Product availability and/or features may vary by state. Limitations and exclusions apply.

Lincoln Financial Group is the marketing name for Lincoln National Corporation and its affiliates. Affiliates are separately responsible for their own financial and contractual obligations.

Not for use in Washington.