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Accident Insurance for Federal Employees

Prepare for Life's Surprises
with Accident Insurance

Breath easy with accident insurance for whatever life throws your way.

If you suffer from a fracture, dislocation, or another covered accidental injury, accident insurance can help offset unexpected medical expenses that aren’t covered by your medical insurance. Depending on your policy, accident insurance can help cover expenses resulting from your covered accident like:

  • Emergency room visits, X-rays, diagnostic exams, physical therapy, and follow-up treatment

  • Ambulance or air ambulance to a hospital

  • Hospital stays, travel, or lodging expenses related to your accident

How it Works

FedAdvantage’s supplemental accident insurance provides cash benefits when injuries, medical treatment and/or services occur as a result of a covered accident.

Bicycle accident scene: Bike and helmet lie abandoned on road in front of car.

An Accident Happens

Suddenly and without warning you suffer an accidental injury.

Woman sad at home, sitting on couch with broken foot.

Peace of Mind

Out-of-pocket medical costs can add up quickly. Accident Insurance pays cash directly to you to help ease the financial burden of your accident.

Patient being rushed down hallway to ER.

You're Taken to the ER

You seek medical treatment for your injury to stabilize the injury and manage the pain.

Man being handed check over  a counter.

Get Your Money Fast

You decide how to use the cash, so you can focus on recovery, not your finances.

Case Study

Accident Insurance
Edgar's Story

On a routine trip to the grocery store, Edgar gets into a car accident. He’s rushed to the emergency room and receives various services to treat a broken leg.

Family with 2 children sitting happily on couch.

When the unexpected happens to you or a loved one, Accident Insurance provides benefits to help with those expenses.

Stethoscope, bills, calculator on table.
Total accident benefits paid to Edgar: $1450.

You get the picture - medical expenses add up quickly.

Don't wait until it’s too late. Protect you and your family now!

Accident Insurance Frequently Asked Questions

Below you’ll find answers to the questions we get asked the most when inquiring about Accident  Insurance

What is Accident Insurance?

Accident Insurance provides cash benefit(s) for a covered injury, related services and treatments resulting from an accident. Accident insurance protects you and your family against the sudden and unexpected expense accidents can cause.

This could include:

  • Diagnostic exams, x-rays and other emergency services

  • Initial and follow-up physician visits

  • Ambulance transportation

  • Hospital admission and confinement

  • Follow-up/recovery services

  • Physical therapy and chiropractic care


How does Accident Insurance work?

Accident insurance can be an important coverage in addition to medical insurance. Accident insurance can help relieve the financial impact that results from an unexpected, covered accident.

This plan pays IN ADDITION to your medical insurance. So, even though you may have health insurance that provides you insurance protection for accidents – this pays YOU directly and regardless of what the health insurance pays. It is specifically designed to provide you financial means to help you cover costs associated with the unplanned out of pocket expenses associated with having an accident.

 

The plan helps cover costs such as deductibles, emergency room visits, diagnostic tests such as MRI and Cat Scans, X-rays, Crutches and more. These payments can really go a long way towards offsetting your out-of-pocket expenses and can provide you an additional financial safety net when you need it the most.

Who is eligible to enroll?

FedAdvantage’s accident insurance is open to active federal employees working at least 20 hours per week and their families. You can enroll in employee-only coverage, employee & spouse coverage, employee and children coverage, or family coverage. USPS Employees are not eligible to enroll.

Do I have to take a physical exam?

No, you are not required to take a physical exam or provide medical evidence in order to enroll on our accident Insurance program.

 

Is there a pre-existing condition?

No. This coverage is offered on a guaranteed issue basis. So, when you enroll, you are automatically issued coverage. Any new accident that occurs to a covered member on or after the effective date will be covered.

 

When does the coverage become effective?

You become eligible for benefits under the plan on the first day of the month following the pay period from which an allotment has been taken.

 

How do I enroll?

Enrollment is simple you can enroll online, and we’ll process the form (1 – 2 business days) and mail you instructions for setting up your payroll deduction. You are not actively enrolled in the program until you have set up and made your first allotment.

 

How do I pay for the plan?

Premiums are paid bi-weekly from your paycheck through salary allotment. Monthly-paid employees and Retirees would pay monthly. All premiums are paid after-tax.

 

Will my premiums increase with age?

No, the premiums are level for all ages.

 

When can I cancel the plan?

You may cancel the plan at any time. To cancel the plan, please send an email to CustomerService@FedAdvantage.com.

 

Can I take the coverage when I retire or leave my job?

Your FedAdvantage Accident insurance coverage is portable, so if you retire, terminate or leave federal service you may continue your coverage under a group plan at group rates.

 

When does the coverage become effective?

You become eligible for benefits under the plan on the first day of the month following the pay period from which an allotment has been taken.

Didn't find your Question?

Accident FAQs
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