Accident

SLPC 25091 11/18 (exp. 11/20)

Stay on stable financial ground, even when an accident has you off your feet.

Accident insurance can help minimize the financial impact if you, your spouse,1 or your child experiences an accident.

How does it work?

If you experience a covered accident, you will receive a cash benefit according to a benefits schedule. You may use this money however you wish—to pay for prescriptions or other out-of-pocket expenses, like crutches, that may not be covered by health insurance. The cost of the insurance is determined by the benefit amounts available with your plan, and the amount you receive depends on your injury.

What’s covered?

Accident insurance pays cash benefits for injuries, such as fractures and dislocations, and it also pays benefits for the care of those injuries, such as benefits for ambulance rides, emergency room visits, and outpatient office visits. It also pays accidental death and dismemberment benefits for a loss due to a covered accidental injury or death.

The full list of covered benefits can be found in your plan details.

1. If permitted by the Employer’s employee benefit plan and not prohibited by state law, or if the group’s situs state is Oregon, the term “spouse” in this benefit includes any individual who is either recognized as a spouse, a registered domestic partner, or a partner in a civil union, or otherwise accorded the same rights as a spouse.

Accident Insurance is a limited benefit policy. It provides accident coverage only and does not provide basic hospital, basic medical, or major medical insurance. This coverage does not constitute comprehensive health insurance (often referred to as “major medical coverage”) and does not satisfy the requirement for Minimum Essential Coverage under the Affordable Care Act. Failing to maintain Minimum Essential Coverage may result in a tax penalty.

The certificate and its riders have exclusions and limitations that may affect any benefits payable. Benefits payable are subject to all terms and conditions of the certificate. The policy, certificate, and any rider, if applicable, may not be available in all states.

For New York consumers: The expected benefit ratio for this policy is 65%. This ratio is the portion of future premiums which the Company expects to return as benefits, when averaged over all people with the policy. Group accident insurance policies are underwritten by Sun Life Assurance Company of Canada (Wellesley Hills, MA) in all states, except New York, under Policy Form Series 15-GP-01, 12-GP-01, 12-AC-C-01, 16-AC-C-01, 16-ACPort-C-01, 12-GPPort-01, and 12-ACPort-C-01. Product offerings may not be available in all states and may vary depending on state laws and regulations. In New York, group accident insurance policies are underwritten by Sun Life and Health Insurance Company (U.S.) (Lansing, MI) under Policy Form Series 15-GP-01, 12-GP-01, 12-AC-C-01, 12-GPPort-01, and 12-ACPort-C-01.

© 2017 Sun Life Assurance Company of Canada, Wellesley Hills, MA 02481. All rights reserved. Sun Life Financial and the globe symbol are registered trademarks of Sun Life Assurance Company of Canada. Visit us at www.sunlife.com/us.