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.

Who is 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 anytime. 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.

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