Accident Insurance is a valuable financial resource if a covered accident takes place.

No one plans to be injured in an accident – they always happen without warning. You can, however, be prepared by enrolling in Accident Insurance. Once you’re enrolled, you’ll be better prepared with an added cushion of financial security that’s specifically designed to help with accident-related bills. 

• Pays a benefit for you to use however you want
• The cash payment is made directly to you
• It can help pay out-of-pocket expenses related to medical care associated with covered accidents
• In addition to medical care, you may use it to pay for things like childcare, lodging, or over-the-counter medication

You can collect this benefit in addition to other coverage you have, including your employer’s major medical plan, any other type of medical coverage, disability insurance, or other benefits you may be eligible to collect. However, it is NOT health insurance and does not satisfy the requirement of minimum essential coverage under federal law.

Recovering from an accidental injury can be costly in two ways:

• Bills. Accidents may have unexpected out-of-pocket costs. The list includes deductibles, copays, coinsurance and any expenses that aren’t covered at all. All of these could affect your finances.  
• Lost wages. Your accident recovery could mean taking time off of work – either a little or a lot, depending on your needs. Or a family member might need to take time off to drive you to medical appointments or assist you in other ways. Either may affect the paycheck your family may rely on to keep everything on track.

You may use your Accident Insurance payment any way you choose. It’s 100% your call how to spend the money you receive, without limitations or approvals from your major medical insurance. You can use it to help pay for medical expenses or non-medical expenses.

With Accident Insurance from Allstate Benefits, you can gain the advantage of financial support, thanks to the cash benefits paid directly to you. You also gain the financial empowerment to seek the treatment you need.

You are eligible to enroll in Accident Insurance during the following times:

• Within your new hire enrollment period 
• If you have a qualifying life event (you get married, have a baby, etc.)
• During your employer’s annual enrollment 

Check with your employer’s human resources/benefits team for specifics about these timeframes.

These form(s) are in Adobe Acrobat Reader (PDF) format and are available for downloading and printing. Refer to the Accident Insurance Brochure for rates. Thanks to your employer's group rates you could pay less for insurance than you would for individual insurance you'd find on your own. 

Accident Insurance Brochure (Spanish)

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