Accident Insurance

Accident Insurance  

Overview

Motor vehicle and other unexpected injury-related accidents cause 29 million* trips to the emergency room each year.  And unanticipated—and uncovered—after-treatment ER bills average over $600.** 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 bill?


Accident insurance pays you a lump sum cash benefit 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:

  • Benefits are payable regardless of any other insurance programs
  • Coverage is guaranteed-issue, provided the applicant is eligible for coverage
  • The plan features benefits for both inpatient and outpatient treatment of covered accidents
  • Provides 24-hour (on and off-job) coverage
  • Benefits are available for spouse/domestic partner and/or dependent children

 

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. See below for your affordable rate.
 

Semi Monthly Rates

 

*National Safety Council, Injury Facts®, 2017 Edition
American Hospital Association Resource Center, April 2012.

**CNBC, "Many get hit with surprise 'out-of-network' bill after emergency rooms: Study," viewed 6-15-17 at https://www.cnbc.com/2016/11/16/many-get-hit-with-surprise-out-of-network-bill-after-emergency-rooms-study.html

Enrollment

Add accident insurance coverage to help offset costs that may not be covered under your employer's existing medical plan.

 

Enroll Now

 

Please make note of these details to help you enroll.

 

Case ID: A795
User ID: Your User ID is your 9-digit Employee ID (include the leading zeros)
Password: Your password is your 4 digit year of birth

 

For example, if your Employee ID is 123456 and you were born on 5/11/1979, your sign-on would be:
User ID: 000123456
Password: 1979

Contact Us

Address
Mercer Voluntary Benefits
12421 Meredith Drive
Urbandale, IA 50398
Phone
1-866-250-4510
Hours
M-F 9a-6p ET
Email
employerbenefitsinquiries.service@mercer.com

How It Works

Forms

These form(s) are in Adobe Acrobat Reader (PDF) format and are available for downloading and printing.

 

Accident Insurance - Plan Overview
Semi-Monthly Rates

FAQs

Answers about the plan, including eligibility, options, enrollment, customer service and more.

  • Who is the provider?

    Aflac

    Aflac is a Fortune 500 company, providing financial protection to more than 50 million people worldwide. When a policyholder or insured gets sick or hurt, Aflac pays cash benefits fairly, promptly, and often in one day for eligible claims, directly to the insured (unless assigned otherwise). For more than six decades, Aflac voluntary insurance policies have given policyholders the opportunity to focus on recovery, not financial stress.


    Continental American Insurance Company (CAIC), a proud member of the Aflac family of insurers, is a wholly-owned subsidiary of Aflac Incorporated and underwrites group coverage. CAIC is not licensed to solicit business in New York, Guam, Puerto Rico, or the Virgin Islands.

  • How can this help me?

    Most families don’t budget for the costs associated with accidents. If an accident does occur, the last thing on your mind is the charges accumulating while at the emergency room:

    • Ambulance ride
    • Casts
    • Use of the emergency room
    • Wheelchairs
    • Surgery and anesthesia
    • Crutches
    • Stitches
    • Bandages


    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? Aflac Group Accident insurance does just that, providing a cash benefit to cover the costs associated with unexpected covered accidents.

  • Who is eligible?

    You and your eligible family members just need to enroll during your enrollment period and be actively at work for your coverage to be effective. Dependents to be enrolled may not be subject to a medical restriction as set forth on the enrollment form and in the Certificate. Some states require the insured to have medical coverage.

  • When can I enroll?

    As a new hire, you can enroll during your new hire enrollment period. Outside of your new hire enrollment period, enrollment is limited to the company’s annual enrollment period.

  • What if my employment status changes?

    When you leave or retire from your current employer, you can continue your coverage without interruption, subject to applicable law and the plans' terms and conditions. Although payroll deduction will no longer be available, you can opt for other payment methods such as direct bank account deduction, credit card billing or home billing. Higher rates may apply.

  • Will my rates increase as I get older or if I file a claim?

    No, your rates will not increase due to age, health or individual claims.

  • Will I have to take a medical exam to get this coverage?

    No! For the initial Open Enrollment period and for new hires added throughout the year, this coverage is guaranteed-issue (which means you may qualify for coverage without having to submit to a medical exam or answer health questions).

  • What types of accidents and injuries am I covered for?

    Once you’re enrolled in this coverage, you’ll collect benefits for a variety of covered events, including

    • Fractures
    • Dislocations
    • Second and third degree burns
    • Torn knee cartilage
    • Concussions
    • Cuts/lacerations
    • Eye injuries
    • Coma
    • Emergency dental work

     

    You’ll also receive a lump-sum payment when you have these covered medical services/treatments:

    • Ambulance
    • Emergency care
    • Exploratory surgery
    • Medical Fees
    • Physician follow-up visits
    • Transportation
     

Mercer's Role & Compensation

Details of Mercer disclosure of the compensation.