WorkingAmericanBenefits™         

Accident Insurance

To pay the expenses resulting from an accident that your Major Medical doesn't pay!

 Pays for treatment and recovery from an accident! Pays in addition to any other insurance you have!

Pays you directly!

Accidents are unplanned!  That is a fact of life.  And because they are unplanned, occurring suddenly and when least expected, the possibility of being unprepared to meet the expenses brought on by an accident is only too real.  Accident insurance helps by providing specified benefits for emergency room care, hospitalization, surgery, therapy and more.  Basically, Accident insurance pays for those things your Major Medical insurance does not pay for.

Millions of Americans are seriously hurt in accidents each year, and some are even dismembered or die. Many of them thought that an accident would not happen to them, so they died leaving their families with huge bills and no money.  When the deceased is the major bread winner in the family, without a legacy provided by the benefits of an insurance policy, the family is left facing huge economical difficulties.  A severely dismembered bread winner presents even more problems because in addition to the usual bills that now can't be paid, there is the additional cost of treatment and recovery that he/she is incurring.

The cost of recovery from a serious accident can be astronomical, requiring far more money monthly than the average bread winner earns.  Yet many Americans are not prepared financially to pay any of this expense that their Major Medical will not be paying.  That's why for many of Americans, having Accident Insurance is an absolute necessity for taking care of themselves and their families.  Accident insurance provides a policy owner and his/her family with these benefits:

• Immediate Coverage upon issuance - no waiting

• Benefits (cash) are paid directly to the Policy Owner

• Protection 24 hours per day, every day of the year, on or off the job

• Benefits are never reduced regardless of the number of  claims made in a year

• Disability (cash) benefits from policies having this feature.

• Accidental death benefit.

Benefits differ from company to company, but there are many common benefits.  Common medical benefits are as follows:

• Dismemberment benefit

• Emergency Room treatment for injuries from accidents

• In-hospital treatment for injuries caused by accidents

• Out-Patient treatment for injuries resulting from accidents

• Necessary therapy to support the recovery of a covered insured from an accident

• Reasonable traveling expense for the policy owner and a family member for treatment at the nearest medical facility more than a set number of miles away from home.

• Lodging expense for a family member that has to travel with a covered insured to a facility more than a set number of miles away from home.

Millions of Americans need Accident insurance to cover the cost of treatment and recovery from an accident, as well as to provide money to pay bills and pay for expenses that their Major Medical won't pay.  In addition, disability income payments may be necessary to replace the income lost by the major bread winner.  Many Accident insurance policies have disability income benefits included for the major bread winner, and sometimes for the spouse as well.
 

* National Safety Council: Accident statistics and Injury facts, 2005.
** Source: Accident statistics from national Safety Council, Injury Facts, 2003