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No one plans to have an accident, but it can happen at any time. Accidental Injury Benefits from The Hartford pays a lump-sum benefit for accidental on- and off-the-job injuries, plus benefits associated with the treatment of the injury. Because accidental injury benefits are supplemental, they pay in addition to other coverage. The coverage can be used on its own or to fill a gap left by other coverage, and the benefits are paid directly to you unless assigned elsewhere. The coverage pays a benefit up to a specified amount for accidental death, dismemberment, dislocation/fracture, hospitalization confinement, intensive care, ambulance service, medical expenses, and more.
Other benefits for accident-related expenses include CT scans and MRI, repair of a broken tooth, lodging for a family member to be with you while you’re hospitalized, transportation expenses for you if traveling more than 50 miles for treatment, follow-up care and physical, occupational, and speech therapy.
For more information, refer to the following publications:
If you have any questions or to file a claim, visit abilityadvantage.thehartford.com or call 1-866-712-3443, Monday through Friday, 8:00 a.m. to 8:00 p.m. ET.
To enroll, go to Benefits4MeEnroll.com. Note that you may only elect this coverage during the Annual Enrollment period, as a new hire, or following a Qualifying Life Event.