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Medical problems contributed to 62% of all personal bankruptcies filed in the U.S. in 2007- an estimate of over 500,000. This is a 50% increase over results from a similar 2001 study.
Council for Disability Awareness - 2010
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Q: Am I guaranteed to be enrolled in FedAdvantage's Accident insurance?

This coverage is guaranteed issue.  So, if you enroll, you are automatically issued coverage.  However, if you or one of your covered family members already had an accident prior to effective date, no benefits will be provided for follow-up expenses from that accident.  But – any NEW accident – that occurs on or after the effective date WILL be covered.