Accident Insurance

Accident Insurance  


Even with health insurance, an accidental injury can cost you thousands of dollars. Lost wages from missing work, health insurance deductibles and daily living expenses can create long-term financial problems. The Accident Protection Plan helps cover the added costs you or your covered family member may face following an injury.

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The plan covers more than 80 injuries and care services, from burns and concussions to ambulance rides and rehabilitation.

  • Your benefit is paid directly to you to use in any way you want.
  • Your premium is conveniently deducted from your paycheck.
  • You may port your coverage if you leave your employer (certain restrictions apply).
  • Who is eligible?
    • All active, full-time associates working a minimum of 33 hours per week.
    • All part-time associates working 16-32 hours per week.


Explore your supplemental health plans guidebook here.


Add group accident insurance coverage to help offset costs that may not be covered under your employer's existing medical plan.
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 Benefit and Claim Questions:

How It Works

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You enroll in the Accident Protection Plan

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You are traveling and are involved in a car accident and transported to the hospital

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You incur expenses not covered by medical insurance

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A lump-sum payment for your covered injuries will provide additional money to help pay for everyday living expenses, deductibles, or copays


Answers about the plan, including eligibility, options, enrollment, customer service and more.

  • Who is the provider?

    This plan is provided by UnitedHealthcare Insurance Company
  • How can this help me?

    Enrolling in a UnitedHealthcare Hospital Accident Protection Plan helps give you and your family more financial security to help cover the added costs you may reach following a covered accident. The plan will pay you a cash benefit to use the money any way you choose.
  • When can I enroll?

    As a new hire, you can enroll during your new hire enrollment period. Outside of your new hire enrollment period, enrollment is limited to the company's benefits enrollment period or if you have a qualifying life event.
  • What if my employment status changes?

    Employees may enroll or change insurance within 31 days of a change in family status. This includes certain changes in employment status that affect benefits eligibility for the covered person, spouse or child, such as termination of employment, a strike or lockout, the start of or return from unpaid leave of absence, a change in worksite, and/or a change in work schedule (between full-time and part-time work, decrease or increase in hours).

Mercer's Role & Compensation

Details of Mercer disclosure of the compensation.