Accident Insurance Scenario Underwritten by United of Omaha Life Insurance Company or Mutual of Omaha Insurance Company
Don’t Let an Injury Catch Your Employees Off Guard
While health insurance may cover many of the medical costs associated with an injury, an accident insurance policy can pay for daily living expenses and lost income while an employee is recovering.
Here’s an example of how accident insurance can help.
Susan’s son, Jake, was playing soccer during recess at school. He trips, falls hard, injures his shoulder and is transported by ambulance to the ER due to concerns of head trauma. The ER doctor orders a CT scan to check for any facial or head injuries, and a shoulder X-ray.
Jake was diagnosed with a concussion and broken collarbone. His arm was set in a sling, and he was released to his pediatrician for follow-up care. Jake visits his pediatrician at two weeks and again at one month after the accident to make sure he’s healing well.
In the meantime, Susan starts receiving bills for the care Jake received. The ambulance bill alone was $556. He’s a pretty healthy kid, so the individual deductible of $1,500 had to be met before Susan’s health insurance would begin covering Jake’s care, and after that, there’s a 20 percent co-pay.
With accident insurance, Susan would be eligible to receive these claim payments:
| Benefits | Amount |
|---|---|
| Ambulance | $200 |
| ER Visit | $150 |
| CT Scan | $200 |
| X-ray | $50 |
| Concussion | $150 |
| Broken Collarbone | $300 |
| Follow-Up Visit 1 | $75 |
| Follow-Up Visit 2 | $75 |
| Total Benefit | $1,200 |
If an accident occurs, would your employees be prepared to pay for medical bills and still provide for their families?
This is a hypothetical story of a situation our customers could face. It does not represent an actual person. The expenses are for illustration purposes only. Expenses may vary by injury, state or provider.
