Motor vehicle and other unexpected injury-related accidents cause 37 million trips to the emergency room each year—which could cost you more than $2,000.1,2 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 bills?
Accident insurance pays you cash benefits 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:
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.
1National 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.
2The 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
Add accident insurance coverage to help offset costs that may not be covered under your employer's existing medical plan.
To create an account:
Enter the account info (SSN, Zip Code and Birth Date are required)
Create your account by choosing your User ID and Password
Choose security questions – Allstate Benefits will ask you two questions for User ID retrieval and password reset
Phone 1-855-429-8930 |
Hours M-F 8a-5p CT |
---|
Email employerbenefitsinquiries.service@mercer.com |
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:
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?
When can I enroll?
What if my employment status changes?
Will my rates increase as I get older or if I file a claim?
Will I have to take a medical exam to get this coverage?
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
|
|
You’ll also receive a lump-sum payment when you have these covered medical services/treatments:
|
|
The Accident, Critical Illness, and Indemnity Medical Insurance coverage is provided by policy forms GVAP6, GVCIP4, and GVSP2, or state variations thereof. This is a brief overview of the benefits available. Details of the coverage, including exclusions and other limitations are included in the certificates issued.
Allstate Benefits is the marketing name used by American Heritage Life Insurance Company (Home Office, Jacksonville, FL), a subsidiary of The Allstate Corporation.