Personal Accident Indemnity Delivery

You’re injured, you need emergency treatment, and you end up confined in the hospital for five days. “Accidents happen,” the old saying goes. “You can’t plan on them, but you can plan for them.”

People call them accidents for a reason; they are unplanned and can happen to anyone at the most inopportune times.

When an accident affects your livelihood or that of a family member, having a plan for the unexpected can be invaluable. Our Personal Accident Indemnity Delivery product (PAID) can provide you with a vital piece of that plan. The PAID plan helps you pay for out-of-pocket expenses and provides benefits to you or your family for many of the accidents that can happen without warning.

Additionally, our policy is flexible in both benefits and its options. You can purchase the policy as either 24-hour or off-the-job only. With PAID, eligible issues ages are 18-64, and is guaranteed renewable until age 70, subject to our right to change premium rates.


Our Plan Pays Benefits for Accidents, big and small.


Benefit highlights include:
 Accidental Death
 Emergency Dental
 Hospital Admission and Confinement
 Intensive Care Unit
 Air and Ground Ambulance
 Emergency Room Treatment

Also included are benefits for burns, dislocations, fractures, dismemberment, eye injuries, and major diagnostic exams. 


Product Features

 Helps you pay for out-of-pocket expenses
 24-hour or off-the-job only
 Issue ages 18 - 64
 Guaranteed renewable to age 70, subject to our right to change premium rates
 Choose one or two units



Benefit exclusions and limitations may apply to the policy. For additional information about this or any of our other quality products, please contact us or your ManhattanLife Agent or Broker.


Accidents Happen

 64% of wage earners believe they have a 2% or less chance of being disabled for 3 months or more during their working career. The actual odds for a worker entering the workforce today are about 30%.1 & 2
 Almost one-third of Americans entering the workforce today (3 in 10) will become disabled before they retire. 1
 Medical problems contributed to half of all home foreclosure filings in 2006.4
 In 2015, there were over 2.9 million non-fatal injuries and illnesses in private industry.3
 Over 900,000 cases involved requiring days away from work.3
 The average number of days away from work was 8.3

Sources for statistics: 1 Social Security Administration, Fact Sheet January 2009. 2 CDA Proprietary Research March 2010. 3 Source for above is Bureau of Labor Statistics ( 4 Get Sick, Get Out: The Medical Causes of Home Mortgage Foreclosures; August 8, 2008.