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Financial Well-being

Accident insurance

Why:

From a fall on the ice to a weekend youth sports tournament, your family has most likely had an injury. Optional accident insurance helps protect your finances when unexpected medical bills arise. You can receive a cash benefit for a range of accidental injuries and the services incurred as a result. Watch this short video to see if the additional insurance is for you.

Who:

Benefits-eligible employees.

When:

Purchase only during annual benefits enrollment (and when newly hired, newly eligible for benefits or have experienced a qualifying life event).

Accident insurance pays specific amounts for expenses related to nonwork-related accidents.

Image of a man sitting on the couch with an injured foot next to his crutches

Accidents happen – like falls, fractures and concussions. You can get additional financial protection from unplanned bills with accident insurance, also called accidental injury benefits. While medical insurance helps pay for doctor visits and treatments, accident insurance provides cash benefits to you for out-of-pocket expenses not covered by your medical plan.

Use the cash payments for:

You can purchase accident insurance for you, your spouse or your dependents only during the benefits enrollment period or if you have a qualifying life event.

Per-Paycheck Premiums*

Employee pays

Employee only

$5.24

Employee + spouse

$8.23

Employee + children

$8.87

Employee + family

$13.91

*Taken from 24 paychecks per year.

How to file a claim

File a claim for coverage after you or a covered dependent receives services due to a nonwork-related accident or injury.

Online

  1. Visit TheHartford.com/Benefits/MyClaim.
  2. Register if you haven’t already done so.
  3. Click on “Complete your claim form online” under the quick links section. Follow the prompts to complete.

By mail:

  1. Download a claim form at TheHartford.com/Benefits/MyClaim.
  2. Register if you haven’t already done so.
  3. Print and complete the form, then mail it to: The Hartford Supplemental Insurance Benefit Department, P.O. Box 99906, Grapevine, TX 76099.

By fax:

  1. Download a claim form at TheHartford.com/Benefits/MyClaim.
  2. Register if you haven’t already done so.
  3. Print and complete the form, then fax it to 469-417-1952.

Need help filing your claim?

Call 866-547-4205.