Accidents can strike at any moment. Though we can never predict them, you can take steps to help protect yourself if they do.

When working alongside your major medical insurance policy, accident insurance can help keep yourself protected from the financial burdens that result from an unexpected injury due to an accident. It helps cover expenses that major medical insurance won’t, giving you additional peace of mind while helping to save you unnecessary costs.

Transamerica’s supplemental accident insurance works side-by-side with major medical insurance to help cover injuries and treatments due to a covered accident. It assists with recovery costs, including those accrued from treatments such as acupuncture, chiropractic, mental health, and much more, accelerating their paths to feeling better. A flexible option that can help strengthen a benefits package, it allows you to customize the plan design at the covered condition level. This tailored approach helps you better meet the needs of each employee. 

• Insurance for individuals and families 
• Ability to tailor the plan design at the covered condition level 
• Can match and improve on an existing plan design 
• Easy payroll-deduction premiums 
• Fully portable if an employee leaves the group 
• Streamlined billing and self-administration without the need to reconcile at the policy level 

See Product Details for more information 

Let us do the lifting. We save valuable employer and broker time by handling reconciliation and by offering simplified and streamlined billing, freeing up time to focus on business. Plus, employees are less likely to encounter issues during claims. 

• Apply for coverage for family members: spouse, children, and dependent grandchildren.
• There are no medical questions to enroll, though spouses will need to answer a disability question if they choose to enroll.
• Keep your coverage if you leave your job with no change in premium or benefits.
• Convenient payroll deduction, or pay via direct bill, bank draft or credit card if you leave your employer.

EMPLOYEE ELIGIBILITY 

To be eligible for insurance, an employee must be 18 years or older and: 

• Be actively employed, performing all regular duties at the place of business or another location directed by the employer 
• Be continuously employed and meeting the minimum hourly and time requirements for benefit eligibility. These requirements will be defined on the Life and Health Group Application and Agreement. 
• Be continuously employed for the amount of time and working the minimum number of hours per week for your class as defined under Class Eligibility. 
• Not be covered by any Title XIX program such as Medicaid 

SPOUSE ELIGIBILITY 

To be eligible for insurance, a spouse must be 18 years or older and: 

• Be a legally married spouse, common law marriage partner, domestic partner, or civil union partner, if legally recognized in the governing jurisdiction or as otherwise agreed upon between the employer and us 
• Not be hospitalized, not be confined at home under a physician’s care, or not receiving or applying to receive disability benefits from any source 
• Not be eligible as an insured under the policy 
• Not be covered by any Title XIX program such as Medicaid 

CHILD ELIGIBILITY 

To be eligible for insurance, a child must be under the age of 26 years and be any of the following: 

• A natural child 
• A legally adopted child or child who has been placed for adoption with the employee 
• A stepchild or foster child 
• A grandchild who lives with the employee 
• A child for whom the employee has been appointed legal guardian 
• A child for whom the employee is legally required to provide support 

Child must also not be hospitalized, not be confined at home under a physician’s care, or not receiving or applying to receive disability benefits from any source; and not be covered by any Title XIX program such as Medicaid. 

Insurance for child dependents may continue beyond the maximum age in the event of mental or physical impairment. Proof of incapacity and conditions may vary by state. 

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