Accident Insurance

Accident Insurance  

Overview

Motor vehicle and other unexpected injury-related accidents cause 29 million* trips to the emergency room each year. And unanticipated—and uncovered—after-treatment ER bills average over $600.** Your major medical insurance will help with many of your expenses, but wouldn’t you feel better knowing you’ll have extra help paying some of your bill?

Accident insurance pays you benefits for specific injuries and events resulting from a covered accident. The amount paid depends on the type of injury and care received. Features of this insurance include:

  • Covers more than 50 types of injuries related to accidents.
  • Employee-discounted group rates: You pay just $8.19/per paycheck.
  • Spouse/domestic partner and children can be protected too.
  • Provided by a leading accident insurance provider.
  • Guaranteed acceptance with no medical exam if you enroll during the Enrollment Period.

 

Thanks to your employer’s group rates, you’ll pay less for this coverage than you would for individual coverage you’d find on your own. See below for your affordable rate.
 

Who is Covered Biweekly Rate
Employee $8.19
Employee and Spouse $11.70
Employee and Children $15.60
Family $19.11

 

*National Safety Council, Injury Facts ®, 2017 Edition
**CNBC, "Many get hit with surprise 'out-of-network' bill after emergency rooms: Study," viewed 6-15-17 at https://www.cnbc.com/2016/11/16/many-get-hit-with-surprise-out-of-network-bill-after-emergency-rooms-study.html

Enroll Online

Help Prepare You and Your Family For The Financial Consequences of A Serious Accident.
Contact Us

We're here to help! Please contact us in whatever manner is most convenient for you.

Program Administrator

 Address
Mercer Voluntary Benefits
12421 Meredith Drive
Urbandale, IA 50398
Phone
1-800-806-7013
Hours
M-F 9a-7p ET
Email
employerbenefitsinquiries.service@mercer.com

How it Works

FAQs

Answers about the plan, including eligibility, options, enrollment, customer service and more.

  • Who is the provider?

    Individual Accident Insurance is underwritten by Provident Life and Accident Insurance Company, Chattanooga, TN., an insuring subsidiary of Unum.

     

    Unum has been helping customers for more that 165 years and is know for breaking new ground in the business of benefits.

  • How can this help me?

    Most families don’t budget for the costs associated with accidents. When an accident does occur, the last thing on your mind is the charges accumulating while at the emergency room:

    • Ambulance ride
    • Casts
    • Use of the emergency room
    • Wheelchairs
    • Surgery and Anesthesia
    • Crutches
    • Stitches
    • Bandages


    These costs can add up fast. Most families have medical insurance that will cover a majority of the expenses. But, what about the out-of-pocket medical expenses, such as lost wages an employee or spouse/domestic partner loses when out of work or staying home to care for an injured family member? You hope that an accident never happens, but at some point you very well may take a trip to your local emergency room. If that time comes, wouldn’t it be nice to have an insurance plan that pays you a benefit regardless of any other insurance you have?

  • Who is eligible?

    You and your eligible family members just need to enroll during your enrollment period and be actively at work for your coverage to be effective. Dependents to be enrolled may not be subject to a medical restriction as set forth on the enrollment form and in the Certificate. Some states require the insured to have medical coverage.

  • When can I enroll?

    As a new hire, you can enroll during your new hire enrollment period. Outside of your new hire enrollment period, enrollment is limited to the company’s annual enrollment period.

  • What if my employment status changes?

    When you leave or retire from your current employer, you can continue your coverage without interruption, subject to applicable law and the policies' terms and conditions. Although payroll deduction will no longer be available if you retire or leave your company, you can opt for other payment methods such as direct checking or bank account deduction, credit card billing or home billing. Higher rates may apply.

  • Will my rates increase as I get older or if I file a claim?

    No, your rates will not increase due to age, health or individual claims.

  • Will I have to take a medical exam to get this coverage?

    No! For the initial Open Enrollment period and for new hires added throughout the year, this coverage is guaranteed-issue (which means you may qualify for coverage without having to submit to a medical exam or answer health questions)

  • What types of accidents and injuries am I covered for?

    Once you’re enrolled in this coverage, you’ll collect benefits for more than 50 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 as a result of a covered accident:

    • Ambulance
    • Emergency care
    • Inpatient surgery
    • Outpatient surgery
    • Medical Testing Benefits including:
      • -EEG
      • -MRIs
      • -CT or CAT scans
    • Physician follow-up visits
    • Transportation
    • Lodging
    • Therapy services including:
      • Physical, Speech and Occupational therapy

    Some variations apply with these services & treatments. The above are used for illustrative purposes. Please refer to you schedule of benefits for specific services and treatments covered in your plan.

     
  • Will I have to take a medical exam to get this coverage?

    No! Your Accident insurance is guaranteed issue, which means your acceptance is guaranteed, provided you enroll during the Enrollment Period, are actively at work and dependents to be covered are not under a medical restriction as set forth in the Certificate. There are no medical exams to take and no health questions to answer. Some states require the insured to have medical coverage.

 

THIS INSURANCE PROVIDES LIMITED BENEFITS

Underwritten by: Provident Life and Accident Insurance Company, Chattanooga, TN.

Employees must be U.S. citizens, Canadian citizens working in the U.S., or have a green card to receive coverage. Spouses and dependents must live in the U.S. to receive coverage.

This information is not intended to be a complete description of the insurance coverage available.  The policy its provisions may vary or be unavailable in some states.  The policy has exclusions and limitations which may affect any benefits payable.  For complete details of coverage and availability, please refer to Policy Form L-21762 or contact your Unum representative.

CE-13425 (5-18)

Forms

Accident Schedule of Benefits

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

 

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Mercer's Role & Compensation

Details of Mercer disclosure of the compensation.