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Accident insurance

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

Full benefits

Employees get cash in their pockets when it’s needed most, even if they have other insurance benefits. And employers can expand their benefits package without busting their budget.

  • Lump sum cash benefits for employees to use however they wish
  • Benefits for multiple covered injuries from the same accident
  • No exclusions for pre-existing injuries
  • Guaranteed renewable; coverage can never be cancelled as long as the premium is paid in full
  • Offered on an employee-paid basis
  • Full portability lets employees keep their coverage even if they retire or leave the company.
  • Coverage for more than 70 injury expenses and treatments.  Cash benefits for emergency room visits, hospitalization, surgeries, ambulance transportation, fractures and dislocations, and lacerations.

Flexible options

  • Four plan design choices with a variety of cash benefit and premium levels
  • Employer choice of on- and off-the-job coverage or off-the-job coverage only
  • Riders including additional coverage for injuries occurring during motor vehicle accidents, sickness, hospital confinement and annual health screenings
  • Employee, spouse, children and family coverage available

Added value

  • Medical expenses from accidental injuries cost an average of $4,414 per injured person.1 Accident EAP provides employees who’ve suffered an accident with telephone and online confidential counseling for personal matters
  • Travel assistance services provide employees with a wealth of services when traveling more than 100 miles from home for business or pleasure, including emergency medical assistance, lost travel document help or even weather forecasts
     

1 Injury Facts®, National Safety Council, 2012.

Accident EAP services are provided by ComPsych® Corporation, Chicago, IL. TravelConnectSM travel assistance services are provided by UnitedHealthcare Global, Baltimore, MD. The TravelConnectSM program is not available to insured employees and dependents of policies issued in the state of New York. ComPsych® and UnitedHealthcare Global are not Lincoln Financial Group® companies. Coverage is subject to actual contract language. Each independent company is solely responsible for its own obligations.

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 GL41, WIND) 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 WIND) are issued by Lincoln Life & Annuity Company of New York (Syracuse, NY). 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.