Personal Accident Indemnity Delivery
Group voluntary accident insurance is a simple way to provide employees added protection to meet their individual needs, without increasing benefits costs to the employer. It is designed to complement existing medical coverage and help narrow gaps caused by out-of-pocket expenses such as deductibles, co-payments, and non-covered medical services.
Our Personal Accident Indemnity Delivery product (PAID) helps pay for out-of-pocket expenses and provides benefits 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.
This is not a policy of workers’ compensation insurance. The employer does not become a subscriber to the Workers’ Compensation System by purchasing this policy, and if the employer is a non-subscriber, the employer loses those benefits that would otherwise accrue under the Workers’ Compensation Laws. The employer must comply with the Workers’ Compensation Law as it pertains to the non-subscribers and the required notifications that must be filed and posted.