Accident Insurance | The Hartford

Accident Insurance | The Hartford
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Group Accident Insurance

Can help ease the financial impact that comes with unexpected accident expenses.
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Here's what you need to know

Group Accident Insurance is a valuable financial resource if a covered accident takes you (and your budget) by surprise.

 

No one plans to be injured in an accident. You can, however, be prepared for the unexpected expenses associated with an accident by enrolling in Group Accident Insurance. Once you’re enrolled, you’ll be better prepared with an added cushion of financial security that’s specifically designed to help take the sting from your accident-related bills.

 

  • Pays a benefit for you to use however you want
  • The 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 the Affordable Care Act.

Healing from an accident injury can be costly to your budget in two ways:

 

  • Bills. Accidents may have unexpected out-of-pocket costs that take you by surprise like deductibles, copays, and uncovered expenses. The list includes deductibles, copays, and any expenses that aren’t covered at all. All of these can put a serious dent in your savings.  
  • Lost wages. Your accident recovery could mean taking time out of work. Or a family member might need to take time off to drive you to medical appointments or assist you in other ways. Either could impact the paycheck your family may rely on to keep everything on track. No one wants to struggle to pay regular bills with a reduced income while on the mend.

 

You may use your Group Accident Insurance payment any way you choose. Without limitations or approvals from your major medical insurance. You can use it to help pay for medical expenses or non-medical expenses – anything that becomes a financial concern if you lose income while you’re out of work.

 

Access to this insurance can help you financially while you recover from your accident. Having less financial worry can mean a more positive mindset for focusing on your recovery.

You are eligible to enroll for Group Accident Insurance:

 

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

 

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

 

Keep in mind: If you enroll during these timeframes, you have what is called "guaranteed issue," which means no medical questions or tests are required to enroll. Pre-existing condition limitations may apply.

These form(s) are in Adobe Acrobat Reader (PDF) format and are available for downloading and printing.

 

Accident 2024 Plan Highlights

 

Accident Insurance Educational Flyer

 

Premium Sheet

 

How to File a Claim

 

Portability Form

 

LifeLime Financial Wellness Blog

How It Works

Number one Enroll now icon

You enroll in Group Accident Insurance

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After it’s in effect, you are injured in a covered accident 

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Receive a benefit payment

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Use your money however you want

You are injured in a covered accident.

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That’s when Group Accident Insurance comes in.

Because you have Group Accident Insurance, you get a cash benefit payment you can use for out-of-pocket expenses – or even put toward regular monthly bills.

Frequently Asked Questions

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  • Who is the provider?
    The Hartford is a leader in property and casualty insurance, group benefits and mutual funds. With more than 200 years of expertise, The Hartford is widely recognized for its service excellence, sustainability practices, trust and integrity.
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  • When is a benefit paid under the plan?
    Once your insurance is effective, you’ll receive benefits for a covered accident. These benefits vary by state and may have other limitations and exclusions that may affect what’s payable. This plan provides protection for covered events experienced while off the job only. See your disclosure statement or outline of coverage/disclosure document for full details on your coverage.
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  • Who in my family is eligible for this program?

    Members of your family who are considered eligible to enroll for this insurance include:

    • You – if you are an active employee
    • Your legal spouse – under age 70
    • Your eligible dependent children

     

    You must be enrolled in coverage for members of your family to also enroll.  

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  • How much does this insurance cost?

    This is group insurance offered at group rates. Refer to the policy documents above for complete details.
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  • Do I have to answer health questions or take a medical exam?
    No, you don’t. Your Group Accident Insurance is guaranteed issue, which means no medical questions or tests are required to enroll in this coverage. Pre-existing condition limitations may apply.
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  • What if my employment status changes?

    Good news! If you leave or retire from your current employer, you can continue your Group Accident Insurance without interruption (subject to applicable law and the policy’s terms and conditions). Although payroll deduction will no longer be available, you can opt for other payment methods such as direct bank account deduction, credit card billing or home billing. Higher rates may apply. 
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  • When would my coverage start?

    Coverage is effective on the 1st of the month after coverage is approved.
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  • Am I really free to use the payment any way I choose?

    Yes, you are! There are no restrictions or requirements about how you can use your accident cash benefit. Accidents aren’t something you can plan for – but you can be prepared with extra cash when one catches you off guard. You’re free to use this money on anything you choose, including out-of-pocket medical expenses and/or non-medical expenses. It can feel empowering to have this kind of flexibility.

Are you ready To Enroll?

Act now to elect Group Accident Insurance to help offset expenses that may not be covered by other insurance.

 

NOTE: When you sign up, you are enrolling for the full plan year and must remain in the plan until the next open enrollment period. You may only cancel your Group Accident Insurance during open enrollment or with a qualifying life event. To cancel, please call the employee service center at
1-800-609-8504.

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Do You Need Help?

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Phone Number: 1-800-609-8504

  • Legal Disclaimers

    Blue Shield of California is an independent member of the Blue Shield Association.

     

    Blue Shield and the Shield symbol are registered marks of the BlueCross BlueShield Association, an association of independent Blue Cross and Blue Shield plans.

     

    Mercer makes no recommendation regarding your decision whether to purchase this insurance, and we are not acting as a fiduciary investment adviser to you. Mercer may provide information that is developed by Mercer, an insurance carrier or other party to educate you regarding the insurance. You should not construe Mercer’s sharing of this information as a recommendation by, or advice from, Mercer regarding your decision. You may wish to seek the advice of your own financial or investment adviser when deciding whether to purchase this insurance and with respect to any investment component in the insurance.

  • Mercer's Role & Compensation
    View details of Mercer's disclosure of compensation