 Little League, backyard sports and leisure hobbies. Chores and fix-up projects around the house. Going to work everyday. These activities are a part of normal everyday life. Unfortunately, accidents are also a part of everyday life. And often, we don’t think about the accidental injuries (or deaths) that may happen during the course of a day.
Consider this information.
- In 2008, there were 26.2 accidental disabling injuries.
- On average, there are about 2,990 accidental disabling injuries every hour during the year.
With accident insurance from Colonial Life, you can be better prepared for the unexpected.
Designed to supplement your employer-sponsored insurance coverage, accident insurance pays specific benefit amounts for covered accidents. Benefits from an accident insurance plan can help pay the out-of-pocket expenses related to an accidental injury that your existing coverage wouldn’t cover.
Benefits from your Colonial Life accident plan can help you pay the following types of expenses.
- Expensive medical treatment for broken bones and dislocations, or physical therapy.
- Crutches, wheelchairs or other medical aids you may need as a result of your accident.
- Co-payments and deductibles.
Product benefits vary by state. Policies have exclusions and limitations that may affect benefits payable. For cost and complete details, please see your Colonial Life benefits representative.
Colonial Life’s accident plan offers the following types of benefits:
- Initial care, including ambulance, emergency room and initial doctor’s office visit.
- Accidental injuries which includes coverage for burns, dislocations and fractures.
- Accident ingestion of a controlled drug, either inpatient or outpatient.
- Surgical care, including surgery and blood/plasma/platelets.
- Transportation and lodging assistance if treatment is at least 100 miles away.
- Follow-up care including appliances, physical therapy and/or prosthetic devices.
- Accidental death and dismemberment.
- Catastrophic accident, which includes a lifetime benefit for catastrophic loss that it total and irrecoverable.
Colonial Life’s accident insurance is available for you, your spouse and your family. To apply for coverage you will have to answer a few eligibility questions. The premiums for Colonial Life’s accident plans are affordable and will not increase as you get older. Plus, your coverage is guaranteed renewable for life as long as premiums are paid when they are due or within the grace period. Your premium can be changed only if we change it on all policies of this kind in force in the state where the policy was issued.
Colonial Life’s accident plans are portable. This means that if you change jobs or retire, you can take your coverage with you. Benefits are paid regardless of any other insurance you may have with other insurance companies. Your benefits will be paid directly to you unless you specify otherwise.
Optional riders are available at an additional cost.
Policies have exclusions and limitations that may affect benefits payable. For cost and complete details, please see your Colonial Life benefits representative.
|
