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Accidents Happen why you should consider Accident Insurance

Accidents Happen, why you should consider Accident Insurance

Accidents can happen to anyone, at any time.

In 2018, there were 35 million injury-related emergency room visits.* Many people are not financially prepared for the unexpected costs of an injury to themselves or their family. Accident Insurance can help you focus on your recovery rather than on how you will pay for the care you need. Have you considered the following?

  • Even a good medical plan can leave you with out-of-pocket expenses.† The financial impact of an accident is often surprising. From deductibles and co-pays to additional everyday expenses, it may push you off track financially.
  • Accident Insurance pays regardless of what your medical plan may cover. An accident plan works to complement your major medical coverage. There’s no coordination of benefits with other coverages, so you get the full benefit provided by your Accident Insurance Plan.
  • Coverage is guaranteed regardless of your health. There are no health questions to answer to enroll in the plan.
  • You get a lump sum payment to use however you like—use it to help pay for medical deductibles, co-pays, or non-covered services. You can even use it for everyday expenses, like babysitters and take-out food, making your recovery a little easier.
  • It’s quick and easy to use. You can submit claims online, by fax, over the phone, or mail.

Accident Insurance helps you manage expenses— so you can stay on track financially and recover at your own pace.

The SEIU Accident & Injury Insurance Plan, an Accident coverage issued by The Prudential Insurance Company of America (Prudential), pays you for a wide range of injuries and medical services including, but not limited to:

Injuries, like

  • Fractures
  • Burns—2nd and 3rd Degree
  • Concussion
  • Laceration
  • Broken Tooth

Medical services, like

  • Ambulance (Ground or Air)
  • Emergency Room Visit
  • Medical Tests
  • Medical Appliances (like crutches)
  • Physical Therapy

*Centers for Disease Control and Prevention. Emergency Department Visits, 2018., accessed March 2021.

†Benefits can be used for medical and non-medical purposes.

The products issued by The Prudential Insurance Company of America may not be available in all states.

This coverage is not health insurance coverage (often referred to as “Major Medical Coverage”).

This type of plan is NOT considered “minimum essential coverage” under the Affordable Care Act and therefore does NOT satisfy the individual mandate that you have health insurance coverage.

This policy provides ACCIDENT insurance only. It does NOT provide basic hospital, basic medical, or major medical insurance as defined by the New York State Department of Financial Services.


Group Accident Insurance coverage is a limited benefit policy issued by The Prudential Insurance Company of America, a Prudential Financial company, Newark, NJ. Prudential’s Accident Insurance is not a substitute for medical coverage that provides benefits for medical treatment, including hospital, surgical, and medical expenses, and it does not provide reimbursement for such expenses. The Booklet-Certificate contains all details, including any policy exclusions, limitations, and restrictions, which may apply. If there is a discrepancy between this document and the Booklet-Certificate/Group Contract issued by The Prudential Insurance Company of America, the Group Contract will govern. Please contact Prudential for more information. Contract provisions may vary by state. Contract Series: 83500.


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