supplementalbenefits.com

26.2 million disabling injuries were reported in 2006; and 3.7 million of those were work related.

Most people think that the majority of accidents happen on the job.  Workers’ compensation picks up the tab for medical expenses as well as lost wages, but 80 percent of accidents occur off the job, and  most employees don’t have coverage. Accident insurance can provide just off the job coverage or, both on- and off-the-job.

Follow-up care –  Pays the insured for accident follow-up treatments such as physical therapy, doctor’s office visits, and prosthetic devices.

Hospital Care—Pays an insured when they are confined to a hospital for treatment of injuries received in an covered accident. Double benefits may be paid while in hospital Intensive Care.

Surgery Care- Pays the insured a scheduled benefit for a specific list of surgeries as a result of injuries sustained in a covered accident. May include Blood, and Plasma.

Transportation/Lodging Assistance-may be afforded an insured if the covered accident is sustained 100 miles or more from home. May include coverage for family members lodging and a per trip additional benefit for the insured.

Waiver of Premium Benefit—Waives the premium if the insured becomes disabled (as defined in the policy), as a result of injuries received in a covered accident, for as long as the insured is disabled or to a specific age.