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Group Accident Insurance

Accidents are the fifth leading cause of death in the US and the leading cause of death in people age 34 or under*. Serious injuries can have a devastating impact on the individuals and their families that survive them. That is why accident insurance is an important element in any employer’s benefit program. It can help to provide the critical financial security and resources necessary to deal with loss caused by an accident. ACE USA Accident & Health works with corporate customers of all sizes both domestically and internationally to customize accident insurance coverage to help protect their biggest asset – their employees.

Business Accident Insurance

ACE USA’s Business Accident Insurance provides accidental death and dismemberment benefits for employees while traveling on company business or on a 24-hour basis for those key employees who must be available at all times to represent the company. Benefits are available on a flat dollar basis and are based on employee classification. They include benefits for accidental death and dismemberment, paralysis, and loss of speech and hearing. These benefits are paid in addition to Workers’ Compensation benefits or any other insurance.

Business Travel Accident Proposal

Voluntary Accidental Death and Dismemberment Insurance

For only pennies a day, employees can purchase high-limit 24-hour accident protection for themselves and their families regardless of their health history. Benefits are payable in addition to any other accident insurance the employer may provide. With convenient payroll deduction and no participation requirements, this product can be an attractive complement to an employee’s benefit package at no cost to the employer. ACE USA Accident & Health provides family plan benefits and other additional benefits that allow employees to choose the plan best designed to help meet their need for financial protection based on their own individual lifestyles.

Voluntary AD&D proposal

*Source: R.N. Anderson. National Center for Health Statistics. October , 12, 2001

Occupational Accident Insurance

Many states mandate Workers' Compensation Insurance for employees who are injured while on the job. Occupational Accident Insurance provides an affordable alternative for employers who seek to reduce the costs and risks associated with job-related accidents. Where allowed by law, employers may choose to opt-out of the State Worker’s Compensation Program or self-fund their own program. ACE USA Accident & Health offers these employers a practical way to help protect their own financial security by insuring employees in the event of accidental occupational loss. Our occupational accident product is designed to provide flexible policy limits on a first-dollar basis.

Product Highlights:

			Accidental Death and Dismemberment Benefits available up to $500,000 subject to 10 times the employee’s annual salary.
			Accident Medical Benefits available with deductibles from $250 to $2,500 and benefit maximums from $100,000 to $500,000 per covered employee.
			Accident Disability Benefits up to $600 a week including work incentive benefits that pay the difference between part-time pay received by a recovering employee and 100% of pre-disability earnings.
			Combined Single Limits available from $100,000 to $500,000 for all benefits payable to an employee as the result of a single accident.
			For information or questions, contact chris.czap@ace-ina.com

This information is only a brief description of the products available. Please contact ACE USA Accident & Health and we will work with you to customize an insurance program that will best meet your specific circumstances. Product availability and plan design features including eligibility requirements, descriptions of benefits, exclusions or limitations may vary depending on state laws.