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Accident Only Disability Insurance

As its name implies, Accident Only Disability Insurance helps to cover you in the event of an unfortunate accident resulting in a disability and the necessity to leave work. Sometimes, previous medical conditions or illness exists that may make you ineligible for other types of disability coverage. This policy will pay you a monthly benefit if you are unable to work due to a disabling accident and only an accident. It does not cover disability due to sickness. The cost of this policy is generally lower than the cost of policies covering both accident and sickness related disabilities.

Depending on the policy you purchase, here are some of the features that may be covered:

  • Injuries
    • Fractures
    • Dislocations
    • Burns
    • Concussions
    • Cuts/Lacerations
    • Eye Injuries
    • Coma
    • Torn Knee Cartilage
    • Broken Tooth
    • Ruptured Disc
    • And possibly more...
  • Medical Services & Treatments
    • Ambulance (ground and air)
    • Emergency Care
    • Non-Emergency Care
    • Physician Follow-Up
    • Therapy Services (including physical therapy)
    • Medical Testing Benefit (including X-rays, MRIs and CT scans)
    • Medical Appliances
    • Inpatient Surgery
    • And possibly more...
  • Hospital - Accident
    • Admission
    • Confinement
    • Inpatient Rehab
  • Accidental Death
    • Accidental Death
    • Common Carrier
  • Dismemberment, Loss & Paralysis
  • Supplemental Benefit for Lodging

The types of benefits and features under a specific accident insurance plan could vary. You can often tailor this type policy to your needs by selecting the elimination period, benefit period and optional riders.

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First Infinity Coverage Group, Inc. • Insurance and Financial Services
1400 Wantagh Avenue • Suite 101 • Wantagh, NY 11793
T 516.882.1226 • F 516.804.6445 • E

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