Accident Insurance

Accident Insurance  


Motor vehicle and other unexpected accidents cause 29 million trips to the emergency room each year.1 Your medical insurance will help with many of your expenses, but there is accident insurance coverage available to you that may help with the rest.

Accident insurance pays you a lump sum cash benefit to help cover your out-of-pocket expenses so you can focus more on getting well and less on the extra expenses an accident can bring.

Accident insurance covers more than 100 types of injuries, medical services, and treatments related to accidents. Generally you receive one payment for the injury itself and another payment for the type of treatment you receive.

Some common accidents and the payment you may be entitled to are listed below. For a full list of covered injuries, click here.

Type of Injury

Potential Benefit Payment

Fracture (broken bone)

$50 - $3,000 depending on the fracture and type of repair

2nd or 3rd Degree Burn

$50 - $3,000 depending on the degree of the burn and % of burnt skin

Concussion Benefit


Laceration Benefit

$25 - $200 depending on the length of the cut and type of repair


Type of Care/Treatment

Potential Benefit Payment

Emergency Care

$25 - $150 depending on location of care


Ground: $200; Air: $750

Therapy Services

(including physical therapy)

$15 - $25 depending on the type of service

Hospital Admission

$1,000 for the day of admission + $200 per day confinement (up to 31 days)

How to Enroll


Log on to myHR Benefits through the myHR portal or at from home. 

Contact Us
myHR Service Center
844-DFS-myHR (844-337-6947)
8am - 6pm Central Time, Monday through Friday, except certain holidays

How It Works

Tell Me More


Kathy’s daughter, Molly, plays soccer. During a recent game, Molly collided with an opposing player, was knocked unconscious and taken to the local emergency room by ambulance for treatment. The ER doctor diagnosed a concussion and a broken tooth. He also ordered a CT scan. After thorough evaluation, Molly was released to her primary care physician for follow-up treatment, and her dentist repaired her broken tooth with a crown.


Covered Events2

Benefit Amount3

Ambulance (ground)


Emergency Care


Physician Follow-Up


Medical Testing




Broken Tooth


Luckily Kathy has accident insurance! She would get a lump-sum payment totaling $1,350.


Below are the deductions that would be withheld from your biweekly paycheck:

You Only

You + Spouse / Domestic Partner

You + Child(ren)

You + Family





Learn More

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


Accident Outline of Coverage


Answers about the plan, including eligibility, options, enrollment and customer service.
  • How can accident insurance help me?

    Most people don’t budget for the costs associated with accidents, but they can add up fast.

    Medical insurance will cover a majority of the expenses. But, what about the out-of-pocket medical expenses, such as copays or coinsurance, or the lost wages you or your 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, accident insurance pays you a cash benefit to cover the costs associated with unexpected covered accidents.

  • Who is eligible?

    You just need to enroll during your enrollment period and be actively at work for your coverage (and your elected family member’s coverage) to be effective. Note: some states require the insured to have medical coverage.4
  • When can I enroll?

    Enrollment is limited to the annual enrollment period. Outside of annual enrollment, you may only enroll in or change this coverage if you experience a Qualified Life Event.

    If you are a new hire, you can enroll during your new hire enrollment period.

  • 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. Your accident insurance is guaranteed issue, which means your acceptance is guaranteed, provided you enroll during the enrollment period and are actively at work. There are no medical exams to take and no health questions to answer. Some states require the insured to have medical coverage.4
  • Who is the provider?






Mercer's Role & Compensation

Details of Mercer disclosure of the compensation.