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 |
$200 |
Laceration Benefit |
$25 - $200 depending on the length of the cut and type of repair |
PLUS |
|
Type of Care/Treatment |
Potential Benefit Payment |
Emergency Care |
$25 - $150 depending on location of care |
Ambulance |
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) |
Web: Log on to myHR Benefits through the myHR portal or at digital.alight.com/discover from home. |
Phone: myHR Service Center 844-DFS-myHR (844-337-6947) |
Hours 8am - 6pm Central Time, Monday through Friday, except certain holidays |
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Example
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) |
$300 |
Emergency Care |
$100 |
Physician Follow-Up |
$150 |
Medical Testing |
$200 |
Concussion |
$400 |
Broken Tooth |
$200 |
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 |
$2.05 |
$4.11 |
$4.68 |
$5.79 |
These form(s) are in Adobe Acrobat Reader (PDF) format and are available for downloading and printing.
Accident Outline of Coverage |
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?
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?
Will I have to take a medical exam to get this coverage?
Who is the provider?