emergency roomGrowing family, growingneedaccident protectionLove is priceless:accident care isn'temergency room visitrequire deductiblesSay “I do” to voluntary accidentinsuranceWhat to love in anaccident plan

• Strong benefits paid. Look for competitivebenefit amounts for common procedures.
• Guaranteed issue. This means all employeesqualify for coverage, with no health questions asked.
• Flexible plan designs. This allows yourclients to choose the level of benefits they want to make availableto their employees, and whether coverage is for accidents both onand off the job, or only away from work.
• Additional benefits. Some plans include ahealth screening benefit or hospital confinement benefit for acovered sickness for expanded options.
• Family coverage. Employees can choose to coverthemselves as well as their spouse, children or whole family.
• Group and individual platforms. Each hasadvantages, so you can offer your clients the best fit with asingle carrier.
• Compatibility with health savings accounts.Since accident insurance is a good fit for clients withhigh-deductible health plans, it's important the voluntary coverageis HSA-compliant and not subject to AffordableCare Act market reforms.
• Excellent customer service. Be sure to choosea partner with a reputation for outstanding claims and customersupport.

____________________________________________________________________________________________________DavidPolen is a director of product and market development at ColonialLife & Accident Insurance Company. He can be reached at803-678-6158 or [email protected].