Accident Insurance

Accident Insurance  

Overview

Motor vehicle and other unexpected injury-related accidents cause 37 million* trips to the emergency room each year—which could cost you more than $2,000.** 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?

Group Accident insurance pays you a lump sum cash 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:

  • Covers more than 150 types of injuries related to accidents.
  • Affordable group rates priced to fit most budgets: You pay just $1.88 per week.
  • Spouse/domestic partner and children can be protected too.
  • Guaranteed-issue with no medical exam if you enroll during the Enrollment Period.

 

Thanks to your employer’s group rates, you’ll pay less for this coverage than you would for individual coverage you’d find on your own. See below for your affordable rate.
 

Employee:

$1.88 weekly

Employee + Spouse/Domestic Partner:

$2.74 weekly

Employees + Child:

$4.31 weekly

Family:

$5.39 weekly

 

*National Hospital Ambulatory Medical Care Survey: 2013 Emergency Department Summary Tables (based on 130 million total annual ER visits).
American Hospital Association Resource Center, April 2012.

** The Washington Post, “With or without insurance, visits to emergency rooms can be very expensive,” published 8/22/16, viewed at https://www.washingtonpost.com/national/health-science/with-or-without-insurance-visits-to-emergency-rooms-can-be-very-expensive/2016/08/19/2fe6b18c-17b1-11e6-9e16-2e5a123aac62_story.html

Enrollment

The coverage has limitations and exclusions. For full details, and to learn more about Group Accident Insurance
Click here or call 1-877-294-8948.


Enroll Now


NOTE: First time users must use their Employee ID as the username and their 5-digit zip code as the PIN.

TELL ME MORE

As a retiree, you have the opportunity to pay your premiums via pension deduction.
 

 

Contact Us

Address
Mercer Voluntary Benefits
12421 Meredith Drive
Urbandale, IA 50398
Phone
1-877-294-8948
Hours
M-F 8a-5p CT
Email
employerbenefitsinquiries.service@mercer.com

How It Works



FAQs

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

  • Who is the provider?

    Allstate Benefits

    A leading provider of employee benefits.

     

    Allstate Benefits is the marketing name used by American Heritage Life Insurance Company (Home Office, Jacksonville, FL), a subsidiary of The Allstate Corporation.

  • 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 plan that pays you a benefit regardless of any other insurance you have? Group Accident insurance does just that, providing a cash benefit to cover the costs associated with unexpected trips to the emergency room.

  • Who is eligible?

    You and your eligible family members just need to enroll during your enrollment period and be actively at work for your coverage to be effective. Dependents to be enrolled may not be subject to a medical restriction as set forth on the enrollment form and in the Certificate. 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 coverage without interruption, 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 pension deduction, direct checking, bank account deduction, credit card billing, or home billing. 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 coverage?

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

  • What types of accidents and injuries am I covered for?

    Once you’re enrolled in this coverage, you’ll collect benefits for more than 150 different 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
     

Mercer's Role & Compensation

Details of Mercer disclosure of the compensation.