How the Plan Works

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 Accident 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