Accident Insurance
Accident Insurance provides additional cash to help cover the costs of an accidental injury.
You can’t predict when an accident might happen. But with Accident Insurance from Lincoln Financial, you’ll have a cash benefit to help you take care of any additional expenses.
Benefits paid directly to you
- If you have a covered accidental injury, you’ll receive a check. You decide how to spend it.
- Cash benefits cover a full range of injury expenses and treatments, including emergency room visits, surgeries, fractures, lacerations and more.
- Coverage provided for multiple covered injuries from a single accident.
- Benefits are focused on the family, safety and accident prevention.
- No exclusions for pre-existing injuries.
- No medical questions are required to receive coverage.
How coverage works
Here’s an example of how Accident Insurance would help pay for expenses incurred by a covered employee who took a spill while jogging and broke his lower leg:
| Sample Benefit Statement | |
|---|---|
| Ambulance | $225 |
| Trip to ER | $150 |
| Major diagnostic exam | $150 |
| Surgery on broken lower leg | $3,500 |
| Hospital admission | $1,250 |
| Hospital confinement | $600 ($200 x 3 days) |
| Crutches | $75 |
| Follow-up doctor’s visits | $150 ($75 x 2 visits) |
| Physical therapy visits | $210 ($35 x 6 visits) |
| Total Cash Benefit Payment | $6,060 |