What is Personal Accident Insurance?
Accident insurance provides a financial cushion for life’s unexpected events. You can use it to help pay costs that aren’t covered by your medical plan. It provides you with a lump-sum payment —one convenient payment all at once — when you or your family need it most. The extra cash can help you focus on getting back on track, without worrying about finding the money to help cover the costs of treatment.
- This plan provides a lump-sum payment for over 150 different covered events, such as these:
Fractures1, dislocations1, second and third degree burns, skin grafts, torn knee cartilage, ruptured disc, concussions, cuts/lacerations, eye injuries, coma, broken teeth.
- You receive a lump-sum payment when you have these covered medical services/treatments as the result of an accident occurring outside of work:2
Ambulance, emergency care, inpatient surgery, outpatient surgery, medical testing benefits (including X-rays, MRIs, CT scans), physician follow-up visits, transportation, therapy services (including physical and occupational therapy, speech therapy).
- Payments are made directly to you.
You decide how to spend the money: Pay for medical expenses not covered by your plan, like copays or deductibles, or for non-medical needs like household bills, childcare or home modifications.
- You won't be denied coverage.
You and your eligible family members are guaranteed coverage, as long as you are actively at work.3 That means no medical exam and no hassle.
- Access to additional services.
Amazon offers Social Security Disability Advocacy and Advisory Services (DAS), provided through SSDC Services Corp (SSDC), as an added service that is included as part of Amazon’s employee-paid Personal Accident and Critical Illness insurance plans. Amazon’s employees enrolled in the Personal Accident and Critical Illness plans have access to the DAS benefit4, which can help you obtain Social Security Disability Income benefits if your accident or illness is serious enough for you to be permanently disabled for at least twelve months.To determine if your accident and disability qualify for Disability Advocacy Services through SSDC, call SSDC Services Corp. at 866-587-2853.4
This plan provides protection for covered events experienced while off the job only.