Accident Insurance

Accident Insurance  

Overview

Motor vehicle and other unexpected injury-related accidents caused almost 39 million* trips to the emergency room in 2015. And unanticipated—and uncovered— after-treatment ER bills average over $600.** Your major medical insurance will help with many of your expenses, but wouldn’t you feel better knowing you’ll have extra help paying some of your bill?

Accident Insurance, underwritten by Transamerica Life Insurance Company, pays you a 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. Benefits include:

  • Pays benefits for multiple numerous types of injuries related to accidents.
  • Employee group rates: You pay just $11.60/per paycheck.
  • Eligible spouse/domestic partner and children can be insured too.
  • Guaranteed acceptance with no medical exam if you enroll during the Enrollment Period.

 

Thanks to your employer’s group rates, you’ll pay less for this insurance than you would for individual insurance you’d find on your own.
 

 

*Centers for Disease Control, National Hospital Ambulatory Medical Care Survey: 2015 Emergency Department Summary Tables, tables 1, 4, 15, 25, 26, viewed at https://www.cdc.gov/nchs/fastats/emergency-department.htm

** CNBC, "Many get hit with surprise 'out-of-network' bill after emergency rooms: Study," viewed 6-15-17 at http://www.cnbc.com/2016/11/16/many-get-hit-with-surprise-out-of-network-bill-after-emergency-rooms-study.html

Enroll online

Add Accident Insurance to help offset costs that may not be covered under your employer's existing medical plan. You can enroll during Annual Enrollment or as a New Hire.

FAQs

Answers about the plan, including eligibility, options, enrollment, customer service and more.

  • Who is the provider?

    This is a summary of AccidentAdvance®, Accident Insurance underwritten by Transamerica Life Insurance Company, Cedar Rapids, Iowa Policy form series CPACC100 and CCACC100. Forms and form numbers may vary. This insurance may not be available in all jurisdictions. Limitations and exclusions apply. Refer to the policy, certificate and riders for complete details.

  • How can this help me?

    Most families don’t budget for the costs associated with accidents. When an accident does occur, the last thing on your mind is the charges accumulating while at the emergency room:

    • Ambulance ride
    • Casts
    • Use of the emergency room
    • Wheelchairs
    • Surgery and Anesthesia
    • Crutches
    • Stitches
    • Bandages


    These costs can add up fast. Most families have medical insurance that will cover a majority of the expenses. But, what about the out-of-pocket medical expenses, such as lost wages an employee or 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, wouldn’t it be nice to have an insurance policy that pays you a benefit regardless of any other insurance you have? </

  • Who is eligible?

    You and your eligible family members just need to enroll during your enrollment period and be actively at work for your insurance to be effective. Some states require the insured to have medical coverage.

  • When can I enroll?

    As a new hire, you can enroll during your new hire enrollment period. Outside of your new hire enrollment period, enrollment is limited to the company’s annual enrollment period.

  • What if my employment status changes?

    When you leave or retire from your current employer, you can continue your insurance without interruption through the portability provision, subject to applicable law and the policies' terms and conditions. Although payroll deduction will no longer be available if you retire or leave your company, you can opt for other payment methods such as monthly payment through Automated Clearing House or quarterly, semi-annual or annual direct bill. Higher rates may apply.

  • Will my rates increase as I get older or if I file a claim?

    No, your rates will not increase due to age, health or individual claims.

  • Will I have to take a medical exam to get this insurance?

    No! For the initial Open Enrollment period and for new hires added throughout the year, this insurance is guaranteed-issue (which means you may qualify for insurance without having to submit to a medical exam or answer health questions).

  • What types of accidents and injuries are covered?

    Once you’re enrolled in this insurance, you’ll collect benefits for various covered events, including:

    • Fractures
    • Dislocations
    • Second and third degree burns
    • Skin grafts
    • Torn knee cartilage
    • Concussions
    • Cuts/lacerations
    • Eye injuries
    • Coma
    • Broken teeth

     

    You’ll also receive a lump-sum payment when you have these covered medical services/treatments:

    • Ambulance
    • Emergency care
    • Inpatient surgery
    • Outpatient surgery
    • Medical Testing Benefits including:
      • X-rays
      • MRIs
      • CT scans
    • Physician follow-up visits
    • Transportation
    • Home modifications
    • Therapy services including:
      • Physical and occupational therapy

[Provide full product limitations and exclusions when proposing for specific client]

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Mercer's Role & Compensation

Details of Mercer disclosure of the compensation.

Click to learn more about Accident Insurance

AccidentAdvance_Waive/Enroll Ending from Transamerica Employee Benefits on Vimeo.

Contact Us

 Address
Mercer Voluntary Benefits
12421 Meredith Drive
Urbandale, IA 50398
 Phone
1-800-626-9011
 Hours
 M-F 8a-5p CT
 Email
employerbenefitsinquiries.service@mercer.com
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