Accident Insurance
Accidents can strike at any time and can be costly. If you suffer a covered injury on- or off-the-job, Accident Insurance from Allstate Benefits can help offset unexpected expenses not covered by your medical insurance.
Allstate pays cash benefits directly to you to be used however you choose. And, because Accident Insurance is supplemental, it pays in addition to other coverage you may already have in place.
With Accident Insurance from Allstate Benefits:
- Coverage is guaranteed issue, at initial enrollment subject to pre-existing condition limitations if applicable
- Coverage is available for spouse and children
- Affordable premiums are conveniently payroll deducted
- You can take the coverage with you if you leave your job or your employer cancels your coverage
Benefits Include:
- Initial hospital confinement
- Daily hospital confinement
- Intensive care
- Accident treatment and urgent care
- Dislocation and fracture
- Emergency room services
- Burns, lacerations, general anesthesia, physical therapy and more
What is guaranteed issue?
Guaranteed issue means that you get insurance coverage up to a certain amount without having to answer medical questions during enrollment. Sometimes, even when an insurance company issues coverage, they might specifically call out any medical issues you have prior to getting the coverage (i.e. you broke your arm a week before signing up for coverage and you’re still getting treatment for it.)
Resources
Crankshaft Benefit Guide
Detailed plan comparisons, premium information, and additional features. Password required — see your manager for more information.