Accident Coverage That Pays Your Employees Cash
Health insurance covers the treatment. It doesn't cover the deductible, the time off, or the drive to the specialist. Accident insurance pays employees directly — so a broken bone doesn't become a financial setback.
No pressure, no obligation — just a straight answer on whether accident coverage makes sense for your team.
Typical Rate
per employee, per week
Estimate based on a standard plan design. Your rate depends on plan level, industry, and participation.
More Coverage Without Touching Your Bottom Line
Accidents happen at work, at home, and on the weekend. The medical bills that follow are rarely covered in full — deductibles, co-pays, and out-of-network charges add up fast, and a high-deductible plan makes it worse.
Accident insurance pays a lump-sum cash benefit directly to your employee based on the injury and treatment received. They decide how to spend it. And because it can be offered voluntarily, you can add real protection to your benefits package without adding to your budget.
The result: a stronger, more competitive benefits offering that signals you're paying attention to your people.
What the cash benefit can cover
- Emergency room visits
- Hospital stays and surgeries
- X-rays and diagnostic exams
- Rehabilitation and physical therapy
- Transportation to medical appointments
- Home care services
- Rent, groceries, and everyday bills during recovery
What Would Accident Coverage Cost You?
Slide to your employee count. Switch between employer-paid and voluntary to see who carries the cost.
Estimated cost to the company
Weekly
Monthly
Annual
Want an exact, carrier-quoted number?
Talk to a Medcore benefits advisor — no cost, no obligation.
Estimate only. Figures assume $5.01 per enrolled employee per week and 52 weeks per year; monthly is the annual total divided by 12. Employer-paid figures assume all employees are covered. Voluntary figures assume the employee elects the benefit — actual company-wide totals depend on how many employees enroll, and some carriers set minimum participation requirements on voluntary plans. Final premium depends on plan design, benefit levels, industry classification, participation, and carrier underwriting.
Comprehensive Coverage For Life's Unexpected Events
From a broken bone to a hospital stay, accident plans fill the gap where traditional health insurance stops.
Injury Benefits
Set cash payments for covered injuries — fractures, burns, concussions, dislocations, lacerations and more. The amount is defined up front, so there's no guessing.
Accident Medical Expense
Coverage for treatment, hospital stays, diagnostic imaging, and follow-up care — so recovery isn't dictated by what's left in the bank account.
Accidental Death & Dismemberment
Additional financial support for the employee's family in the event of a fatal accident, or for the employee in cases of permanent loss.
Where Health Insurance Stops, Accident Coverage Starts
A major medical plan pays the provider. Accident insurance pays your employee — and those are very different problems.
What Employees Get Stuck With
- Deductibles and co-pays before coverage kicks in
- Out-of-network charges from an ER they didn't choose
- Lost income while they're out recovering
- Travel and childcare during treatment
- Rent and bills that don't pause for an injury
What Accident Insurance Does
- Pays a cash benefit directly to the employee
- Covers injuries on the job and off the clock
- Money can be spent on anything they need
- Pays on top of their existing health plan
- Costs the business nothing if offered voluntarily
Flexible Plan Options
Every company is different. We tailor coverage to your size, budget, and workforce rather than handing you an off-the-shelf plan.
Employer-Paid or Voluntary
Cover the full premium as an added benefit, or offer it voluntarily so employees who want it pay $5.01 per week through payroll deduction — at no cost to the company.
Coverage Tiers
Offer different benefit levels so employees can pick what fits their situation and their budget, rather than forcing one plan on everyone.
Family Coverage
Employees can extend accident coverage to a spouse and dependents — useful for teams with young kids in sports or active households.
Commonly Asked Questions About Accident Insurance
What is accident insurance?
Accident insurance pays a benefit directly to your employee if they're injured and need treatment — whether they go to a physician's office, an urgent care center, or the emergency room. Depending on the level of coverage, it can apply to injuries both on and off the job.
How much do accident plans pay?
The amount depends on the injury and the treatment received. Plans pay a set amount for specific covered injuries and types of care, so the benefit schedule is known up front rather than being a percentage of an unpredictable bill.
How can employees use the money from an accident claim?
However they choose. The benefit is paid directly to the employee, so it can go toward co-pays and deductibles, or toward monthly bills, groceries, and other expenses their medical plan doesn't touch.
Should I offer an individual or a group plan?
Both work — it depends on your workforce.
Individual plans are employee-owned and portable, so employees keep the policy if they change jobs. They're guaranteed renewable in most states with stable rates and no participation requirements. The tradeoff is stricter underwriting and less rate flexibility, which can mean higher premiums.
Group plans are employer-sponsored and apply to all eligible employees, usually with simpler underwriting and more competitive rates. We'll walk you through which structure fits your team.
What accident insurance products are available?
Medcore works with several carriers offering both individual and group accident policies, including Colonial Life, Principal, Unum, and Aflac-style worksite products. We'll compare benefit schedules side by side so you can see what you're actually buying.
Does the company have to pay for it?
No. Accident insurance is commonly offered as a voluntary benefit — employees who want the coverage pay the $5.01 per week themselves through payroll deduction, and the business pays nothing. You can also choose to fund it fully or partially as an added benefit. Note that some carriers set minimum participation requirements on voluntary plans.
A Broker That Shows Up After The Sale
Plenty of brokers will email you a brochure and disappear until renewal. We've built our reputation as an employee benefits consultant in Texas by doing the opposite — showing up in person, explaining coverage in plain language, and staying involved all year.
For accident and worksite plans especially, enrollment support is what determines whether employees actually understand and use the benefit you're paying for.
What sets us apart
- Access to leading carriers and a wide range of accident plans
- Coverage tailored to your size, industry, and workforce
- In-person enrollment meetings — English and Spanish
- Help with plan selection, employee education, and rollout
- Ongoing support as your business grows
Ready To Add Accident Coverage?
Tell us your headcount and we'll come back with real carrier numbers — plus an honest read on whether employer-paid or voluntary makes more sense for your team.