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Accident & Critical Illness

Accident & Critical Illness

A better safety net for accidental injury

Group accident insurance from Colonial Life was designed to create a better safety net for injuries where deductibles, co-payments, and other out-of-pocket costs become a hardship. If you’re a firefighter or work in the EMS world, you know accidents can happen anywhere at any time… even to you. In spite of practicing good scene safety and workplace ergonomics, injuries can be a part of the job.

Group accident insurance covers those incidents and more, including accidents at home. You won’t be saddled with extra charges for things like ambulance or air transportation to the ER, emergency room visits, radiographs, or occupational therapy. This insurance covers common injuries resulting from covered accidents, such as:

  • Dislocations
  • Fractures
  • Burns
  • Lacerations
  • Concussions
  • Dental emergencies
  • Eye injuries
  • Torn ligaments and cartilage
  • Ruptured discs
  • Amputations and dismemberments

It includes deductibles and copays for surgery, blood transfusions, hospitalization, pain management, follow-up care, and even lodging for family members near the hospital. There is even an accidental death benefit for family members. Spouses can receive coverage as well.

You can add a health screening benefit for tests you normally receive, like electrocardiograms, colonoscopies, mammograms, and skin cancer biopsies. This coverage is guaranteed with no health questions. It offers worldwide coverage and is compliant with health savings account (HSA) guidelines.

Critical Illness Insurance

Coverage that lets you focus on what really matters

Critical illness insurance helps with expenses when you are diagnosed with cancer or a serious illness so you are able to focus on recovery with less worry. Conditions covered include:

  • Coronary artery disease or bypass graft surgery (CABG)
  • Heart attack (myocardial infarction)
  • Stroke (cerebrovascular accident)
  • Kidney failure (end-stage renal disease)
  • Major organ failure
  • Blindness
  • Occupational infectious HIV or occupational infectious hepatitis B, C, and D
  • Internal or invasive cancer
  • Cancer in situ (in place)
  • Skin cancer

This insurance provides an optional health screening to catch critical illness early and improve outcomes. Blood testing, ultrasounds, diabetes screening, cardiac stress tests, and many more are included.

Want to learn more?

Contact your independent insurance agents

To learn more about group accident and critical illness insurance from Colonial Life call 800-509-6370 or reach out online for more information. 

We specialize in insurance for EMTs and firefighters, and in addition to Colonial Life, we offer a large menu of Safeco Insurance products for your other insurance needs. We’ll help you find the coverage you desire for the right protection within your budget, and you’ll get the kind of personalized service that’s so hard to find these days.

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