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Why Accident Insurance?

Accident Insurance

Little League, other weekend 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 even the accidental deaths, which may happen during the course of a day.
Consider this information.
  • Accidental injuries were up 4 percent in 1999 compared to 1998.
  • In 1999, there were 20,800,000 accidental disabling injuries.
  • In 1999, an accidental injury happened every two seconds. This is equal to 2,370 accidents every hour, 57,000 accidents every day, and 400,000 accidents every week.

Source: Injury Facts, National Safety Council, 2000 edition

With supplemental accident insurance from Colonial, you can be better prepared for what happens next.
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Accident Insurance
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Colonial’s accident plan features a flexible plan design so that you can choose the coverage that best meets your individual needs. Coverage is available for both on and off-job accidents and several optional riders are available so you can choose any additional protection you or your family may need. The optional riders provide extra coverage and benefits for expenses resulting from hospital confinement due to a covered sickness, health screening tests, and disability due to a covered accident or a covered sickness.

Colonial’s supplemental accident plan offers the following types of benefits.

Accidental Injuries Benefits
Coverage for specific injuries and losses you may suffer in a covered accident including burns, dislocations and fractures.
 Accident Insurance

Hospital Care Benefits 
This coverage will help you with the hospital bills and expenses related to a covered accident. Such expenses include hospital admission, daily hospital confinement, intensive care, ambulance charges and emergency room expenses.

Accidental Death Benefits 
These benefits will help your family meet continuing needs in case of an accidental death. The death benefit is increased if the accidental death occurred on a common carrier such as a commercial airplane or subway system.

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© 2005 Colonial Life and Accident Insurance Company
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 Important Legal Notice
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"Colonial Supplemental Insurance" and the logo, separately and in combination, and "for what happens next" are service marks of Colonial Life & Accident Insurance Company.

Colonial Supplemental Insurance products are underwritten by Colonial Life & Accident Insurance Company. Coverage has exclusions and limitations that may affect benefits payable. Coverage may vary by state and may not be available in all states. See your representative for complete details. Colonial Supplemental Insurance is the marketing brand of Colonial Life & Accident Insurance Company.
Designed to supplement your employer-sponsored insurance coverage, accident insurance pays specific benefit amounts for covered accidents. Benefits from a supplemental 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 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
  • copayments and deductibles

This coverage may not be available in all states; product benefits vary by state. Policies have exclusions and limitations that may affect benefits payable. For cost and complete details, please see your Colonial representative.
Supplemental 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’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’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 sales representative. Applicable to policy form ACCPOL and rider forms R-SHC, R-ASD-R and R-AD, including state abbreviations where used.
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