emergency room Growing family, growing need accident protection Love is priceless: accident care isn't emergency room visit require deductibles Say “I do” to voluntary accident insurance What to love in an accident plan

• Strong benefits paid. Look for competitive benefit amounts for common procedures.
• Guaranteed issue. This means all employees qualify for coverage, with no health questions asked.
• Flexible plan designs. This allows your clients to choose the level of benefits they want to make available to their employees, and whether coverage is for accidents both on and off the job, or only away from work.
• Additional benefits. Some plans include a health screening benefit or hospital confinement benefit for a covered sickness for expanded options.
• Family coverage. Employees can choose to cover themselves as well as their spouse, children or whole family.
• Group and individual platforms. Each has advantages, so you can offer your clients the best fit with a single carrier.
• Compatibility with health savings accounts. Since accident insurance is a good fit for clients with high-deductible health plans, it's important the voluntary coverage is HSA-compliant and not subject to Affordable Care Act market reforms.
• Excellent customer service. Be sure to choose a partner with a reputation for outstanding claims and customer support.

____________________________________________________________________________________________________ David Polen is a director of product and market development at Colonial Life & Accident Insurance Company. He can be reached at 803-678-6158 or [email protected].