When You Should Consider Accidental Insurance
Most people think that they once they get benefits through their job, they’re automatically set for any type of medical misfortune that may come their way. There’s an element of truth to this, but as many people, unfortunately, find out each year, there’s a difference between a medical condition and something that happens as a result of an accident, like a work injury or a car wreck. As a result, it may be worth considering trying to add an accidental insurance police as a part of your benefits package. Here are some reasons why.
Accident Insurance / Supplemental Insurance
Accident insurance falls under the greater category of supplemental insurance, which is any sort of plan that covers people beyond the bare minimum. Many people get these on their own if it’s an aspect of their health that isn’t covered by their work insurance, like dental insurance. In other cases, people who travel a lot for work may get some sort of supplemental travel insurance, to keep them safe and covered in case they fall ill while outside of their health insurance network.
A lot of the time, when it comes to supplemental insurance, it’s not so much a question of whether you should or should not get it, but whether or not the added premium cost each month is going to save you money in the future. For example, if you’re a parent without a dental plan and getting by okay, it may make sense to look one up if you know your child is getting older and going to need braces, for example.
Accident Insurance as a Federal Employee
Bringing the discussion back to accidental insurance, federal employees do have a type of accident coverage, but it is limited. For example, any employee with FEGLI Basic or Option A-Standard insurance will get accidental death and dismemberment (AD&D) coverage at no extra cost. This will provide coverage for any accident that results in death or the loss of a limb or eye, given the following provisions:
• The death or loss must occur within 90 days of the accident.
• This must be a direct result of the accident.
While this is a great benefit to those people who suffer, there’ s a lot of injuries that stem from accidents that aren’t that extreme, but still make a massive impact. For example, say you got in a car accident and had to be taken by ambulance to the hospital. This is several sudden massive costs you’re stuck with, that your base coverage may not handle.
Be Sure Your Covered
Accidental insurance isn’t a type of coverage that crosses a lot of people’s minds, but it’s not something that you want to neglect, either. If you are looking for a plan as a federal employee, make sure that you choose Secure Choice 866-477-3211. Our accident coverage picks up where many medical plans stop so you will have money to cover any expenses and treatment that you may need as a result of your accident. Benefits will be paid directly to you, and coverage is available for your spouse and children as well.