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Group Accident Insurance

66% of employers offer accident insurance to supplement employee health coverage

As deductibles rise, so are the number of employers offering supplemental insurance to help their employees pay out-of-pocket medical costs. For pennies on the dollar, you can offer USAble Life Accident Insurance that pays cash directly to your employees when an unexpected injury occurs. Benefits may be used to pay a variety of expenses, including copays, deductibles, treatment, travel, and childcare.

Flexible Plan Options

Multiple plan options with varying levels of coverage, including benefits for:

  • Emergency treatment
  • Hospitalization
  • Dislocations and fractures
  • Lacerations
  • Burns
  • Rehabilitation
  • 24-hour coverage or off-the-job coverage
  • Accidental death & dismemberment
  • And much more

Guaranteed Issue

  • No medical questions, so coverage is guaranteed
  • Offered at an affordable group rate

Simple Administration

Supported by AccessAble, used by 10,000 brokers and group administrators

Features include:

  • Broker access to support client enrollments
  • Optional employee self-enrollment
  • AutoPay and online bill payment
  • Instant quoting of voluntary benefits
  • Online Evidence of Insurability
  • Real-time employee updates

How it works

An employee purchases a USAble Life Accident plan and completes an annual wellness exam. Later that same year, they fall off a ladder and fracture their leg and sustain internal injuries. In addition to what major medical insurance pays, USAble Life’s Accident plan will pay:

  • $75 for a wellness benefit
  • $240 for ambulance transportation
  • $150 for emergency room treatment
  • $1,440 for a fractured leg
  • $1,500 for internal injuries
  • $140 for two follow-up physician visits
  • $700 for five physical therapy sessions

$4,245 in total cash benefits paid

Combine USAble Life Accident, Critical Illness, and Hospital Indemnity Insurance to offer more competitive benefits that maximize the value of your employee health coverage.


This is a brief description of USAble Life’s Accident plan coverage. This is not an insurance policy. Limitations and exclusions may apply. Some benefits and options are not available in all states. For cost and complete details of the coverage, call or write your insurance agent or USAble Life.