Accident Insurance for Federal Employees
Accidents can happen anytime—at home, at work, or while traveling—and the financial impact can add up quickly. A slip, fall, or sudden injury often leads to unexpected medical bills and out‑of‑pocket expenses that traditional health insurance may not fully cover. Accident Insurance provides an extra layer of financial protection by paying cash benefits directly to you when a covered accident occurs—helping you focus on recovery instead of costs.
Key Benefits of Accident Insurance
Accident Insurance offers several valuable features that make it an effective and affordable supplement to your federal benefits:
- Cash benefits paid directly to you
- Benefits paid in addition to other medical insurance
- Coverage for a wide range of accidental injuries
- 24‑hour coverage, on and off the job
- Guaranteed issue, with no health questions
- Fast claims processing
- Portable coverage that can move with you if you change jobs or retire
- Coverage available for your spouse and dependents
These benefits provide predictable financial support when unexpected injuries occur.
How Accident Insurance Helps Federal Employees
Federal health plans offer strong coverage, but they often leave employees responsible for deductibles, copays, coinsurance, and non‑medical expenses. After an accident, costs such as emergency transportation, diagnostic tests, follow‑up care, and time away from work can strain savings and disrupt your financial plan.
Accident Insurance helps reduce that burden by providing cash benefits that can be used to cover both medical and everyday expenses—without restrictions. This added protection helps federal employees preserve savings, avoid debt, and recover with greater financial confidence.
Covered Injuries and Services
Accident Insurance pays benefits for a broad range of covered accidental injuries and treatments, including:
- Fractures and dislocations
- Burns, lacerations, and concussions
- Emergency room and urgent care visits
- X‑rays and major diagnostic exams (MRI, CT scans)
- Ambulance and air ambulance transportation
- Hospital admission and confinement
- Physical therapy and follow‑up treatment
- Medical appliances such as crutches or braces
- Travel and lodging related to treatment
Because benefits are paid directly to you, you decide how the funds are used.
Flexibility When Expenses Add Up
One of the greatest advantages of Accident Insurance is flexibility. Benefits are not tied to specific bills or providers, allowing you to use the money where it’s needed most. Whether you’re covering medical costs, replacing lost income from unpaid leave, paying household bills, or covering transportation expenses, Accident Insurance gives you control during recovery.
This flexibility makes accident coverage especially valuable for active individuals, families, and anyone who wants added protection against everyday risks.
Coverage That Fits Your Life
This Accident Insurance plan offers 24‑hour coverage, meaning you’re protected whether an accident occurs at work, at home, or on the road. Coverage is available for you, your spouse, and dependent children, helping protect your entire household.
With guaranteed issue, there are no medical exams or health questions required to enroll. The plan is also portable, allowing you to keep your coverage even if you change employers or retire—providing continuity and long‑term peace of mind.
How Accident Insurance Complements Other Benefits
Accident Insurance works alongside your existing coverage to create a more complete financial safety net:
- Health insurance covers medical treatment
- Disability insurance helps replace income if you can’t work
- Accident insurance helps cover out‑of‑pocket and related expenses
Together, these benefits help protect your finances from multiple angles when an unexpected injury occurs.
Extra Protection for Life's Unexpected Moments
Accidents are unpredictable, but their financial impact doesn’t have to be. Accident Insurance provides federal employees with a simple, affordable way to strengthen their benefits and reduce financial risk from sudden injuries.
We help federal employees understand their supplemental insurance options and choose Accident Insurance coverage that fits their lifestyle and budget. With the right plan in place, you can move forward confidently—knowing you’re better prepared for whatever life brings.
