Voluntary Benefits Coverage
Accident Insurance
Cover unexpected costs from accidents with benefits paid directly to employees for covered injuries and treatment.
Basic overview
Accident insurance pays cash benefits directly to employees when they experience a covered accident such as a fracture, dislocation, cut, burn, or concussion. The money can be used for emergency room visits, X-rays, ambulance rides, follow-up care, or even everyday expenses like groceries and childcare while recovering. It is a simple way to supplement a major medical plan.
What this coverage typically includes
- Fractures, dislocations, cuts, and burns
- Emergency room and urgent care visits
- Ambulance and transportation costs
- Follow-up treatment and physical therapy
- Lump-sum payments for covered injuries
Why it matters for your team
Accidents can bring unexpected out-of-pocket costs even with good health insurance. Accident insurance helps employees handle those bills without dipping into savings.
Best for
- Employees with active lifestyles or children
- Workplaces with higher accident risk
- Anyone who wants extra protection beyond health insurance
Frequently asked questions
Common questions about accident insurance for Arkansas employers and employees.
How does accident insurance work with regular health insurance?
Accident insurance is supplemental. It pays cash benefits directly to the employee for covered accidents, regardless of what their health insurance pays. The money can be used for deductibles, copays, or any other expense.
Are benefits paid directly to the employee?
Yes. Benefits are paid directly to the employee, not to doctors or hospitals, so they can use the money where it is needed most.
What kinds of injuries are covered?
Covered injuries commonly include fractures, dislocations, cuts, burns, concussions, and other injuries resulting from covered accidents. Specific benefit amounts are listed in the plan schedule.
Does it cover treatment like ER visits and X-rays?
Yes. Many plans pay specific benefits for emergency room visits, urgent care visits, ambulance rides, X-rays, and follow-up treatments related to a covered accident.
Is this a good fit for families with children?
Accident insurance is very popular with families because children are more likely to experience accidental injuries. The benefits can help with sports injuries, falls, and other common mishaps.
Do employees have to answer health questions?
Accident insurance is usually guaranteed issue, meaning employees can enroll without answering health questions or taking a medical exam.
Ready to learn more?
Dogwood Benefit Solutions works with employers across Central and Southern Arkansas to design voluntary benefits packages that fit your workforce and budget.