Accident Insurance

Accident Insurance


Motor vehicle and other unexpected accidents cause 45 million trips to the emergency room each year—costing on average $1,350 per visit.* Your major medical insurance will help with many of your expenses, but wouldn’t you feel better knowing you’ll have extra help paying some of your bill?

Accident insurance pays you benefits for specific injuries and events resulting from a covered accident. The amount paid depends on the type of injury and care received. Features of this insurance include:

  • Covers many types of injuries related to accidents.
  • Rates are typically lower when you purchase group insurance coverage through your employer. Premiums are paid through convenient payroll deductions.
  • Flexibility means you can use the benefit money for any purpose you like.
  • Coverage is available for your spouse/domestic partner and children up to age 26 if employee coverage is provided or elected. Age requirements may vary by state.
  • Provided by a leading accident insurance provider: Voya Employee Benefits
  • Guaranteed acceptance with no medical exam if you enroll during the Enrollment Period.


The cost of Accident Insurance varies. It is very likely that your monthly premium will be less than a trip to the movie theater.


*National Hospital Ambulatory Medical Care Survey: 2009 Emergency Department Summary Tables (based on 136 million total annual ER visits).
American Hospital Association Resource Center, April 2012.

Enroll Online

To enroll, visit FMC Employee Self-Service (ESS)


For more information, visit the Voya microsite.

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How It Works


Answers about the plan, including eligibility, options, enrollment, customer service and more.

  • Who is the provider?

    Accident Insurance is underwritten by ReliaStar Life Insurance Company (Minneapolis, MN), a member of the Voya® family of companies. Voya Employee Benefits is a division of ReliaStar Life Insurance Company.
  • How can this help me?

    Most families don’t budget for the costs associated with accidents. When an accident does occur, the last thing on your mind is the charges accumulating while at the emergency room:

    • Ambulance ride
    • Casts
    • Use of the emergency room
    • Wheelchairs
    • Surgery and Anesthesia
    • Crutches
    • Stitches
    • Bandages


    These costs can add up fast. Most families have medical insurance that will cover a majority of the expenses. But, what about the out-of-pocket medical expenses, such as lost wages an employee or spouse/domestic partner loses when out of work or staying home to care for an injured family member? You hope that an accident never happens, but at some point you very well may take a trip to your local emergency room. If that time comes, wouldn’t it be nice to have an insurance plan that pays you a benefit regardless of any other insurance you have? Accident insurance does just that, providing benefits to cover the costs associated with unexpected accidents. 

  • Who is eligible?

    You, your spouse and eligible children qualify for this coverage.  

    • All active employees (a minimum hours working per week requirement may be required).
    • Your spouse.* Coverage is available only if employee coverage is elected.
    • Your children— to age 26. Coverage is available only if employee coverage is elected.


    *The use of “spouse” means a person insured as a spouse as described in the certificate of insurance or rider. This may include domestic partners or civil union partners as defined by the group policy. Please contact your employer for more information.

  • When can I enroll?

    As a new hire, you can enroll within your employer’s benefits eligibility guidelines. Outside of your new hire or a new life event period, enrollment is limited to the company’s annual enrollment.  Please contact your employer for further details.    
  • What if my employment status changes?

    When you leave or retire from your current employer or transfer to contingent status, you can continue your coverage without interruption, subject to applicable law and the policies' terms and conditions. Although payroll deduction will no longer be available if you retire or leave your company, you will be billed directly by the insurance carrier. 
  • Will my rates increase as I get older or if I file a claim?

    No, your rates will not increase due to age, health or individual claims.
  • Will I have to take a medical exam to get this coverage?

    No! Your Accident insurance is guaranteed issue, which means no medical questions or tests are required to enroll in this coverage. 
  • What types of accidents and injuries am I covered for?

    Once you’re enrolled in this coverage, you may qualify to receive benefits for items such as those listed below, as long as they are a result of a covered accident. Benefit types and amounts are determined by the type of plan selected, the circumstances of your accident and the care you receive. You may be required to seek care for your injury within a set amount of time.  Note that there are some variations by state.  For a complete description of your available benefits, exclusions and limitations, see your certificate of insurance and any riders.

    • Surgery
    • Blood, plasma, platelets
    • Hospital admission
    • Rehabilitation facility*
    • Critical care unit confinement*
    • Hospital confinement
    • Coma
    • Transportation and lodging
    • Family care*
    • Medical equipment
    • Physical or occupational therapy*
    • Speech therapy*
    • Major diagnostic exam*
    • X-ray*
    • Outpatient surgery*
    • Prosthetic device
    • Ground or air transportation*
    • Emergency room treatment*
    • Urgent care facility treatment*
    • Initial doctor visit*
    • Follow-up doctor visit*Chiropractic treatment*
    • Burns or skin grafts
    • Emergency dental work
    • Eye injury
    • Torn knee cartilage
    • Lacerations/sutures
    • Ruptured disk surgical repair
    • Tendon, ligament or rotator cuff surgical repair
    • Concussion
    • Paralysis
    • Hip joint, knee, ankle, foot bone(s) or toe dislocation
    • Shoulder, elbow, wrist, hand bone(s) or finger dislocation
    • Lower jaw dislocation
    • Collarbone dislocation or fracture
    • Partial dislocations
    • Hip, leg, kneecap, ankle, foot or toe fracture
    • Bone of face or jaw fracture
    • Shoulder blade, arm or finger fracture
    • Vertebral fracture
    • Pelvis fracture
    • Rib fracture
    • Skull fracture
    • Sternum fracture
    • Chip fractures

    *This option may not be included. Please review your certificate of coverage for details.

  • Is there anything I’m not covered for after I enroll*?

    To keep your rates affordable, benefits are not payable for any loss caused or contributed to by any of the following:

    • Participation or attempt to participate in a felony or illegal activity.
    • An accident while the covered person is operating a motorized vehicle while intoxicated. Intoxication means the covered person’s blood alcohol content meets or exceeds the legal presumption of intoxication under the laws of the state where the accident occurred.
    • Suicide, attempted suicide or any intentionally self-inflicted injury, while sane or insane.
    • War or any act of war, whether declared or undeclared, other than acts of terrorism.
    • Loss sustained while on active duty as a member of the armed forces of any nation. We will refund, upon written notice of such service, any premium which has been accepted for any period not covered as a result of this exclusion.
    • Alcoholism, drug abuse, or misuse of alcohol or taking of drugs, other than under the direction of a doctor.
    • Riding in or driving any motor-driven vehicle in a race, stunt show or speed test.
    • Operating, or training to operate, or service as a crew member of, or jumping, parachuting or falling from, any aircraft or hot air balloon, including those which are not motor-driven. Flying as a fare-paying passenger is not excluded.
    • Engaging in hang-gliding, bungee jumping, parachuting, sail gliding, parasailing, parakiting, kite surfing or any similar activities.
    • Practicing for, or participating in, any semiprofessional or professional competitive athletic contests for which any type of compensation or remuneration is received.
    • Any sickness or declining process caused by a sickness.
    • Work for pay, profit or gain, if your employer elects to exclude work-related sicknesses or accidents under the policy.

    *Exclusions and limitations may vary by state. Consult your certificate of insurance for exact language.


This is a summary of benefits only. A complete description of benefits, limitations, exclusions and termination of coverage will be provided in the certificate of insurance and riders. All coverage is subject to the terms and conditions of the group policy. If there is any discrepancy between this document and the group policy documents, the policy documents will govern. To keep coverage in force, premiums are payable up to the date of coverage termination. Accident Insurance is underwritten by ReliaStar Life Insurance Company (Minneapolis, MN), a member of the Voya® family of companies. Policy Form #RL-ACC3-POL-16; Certificate Form #RL-ACC3-CERT-16; and Rider Forms: Spouse Accident Rider Form #RL-ACC3-SPR-16, Children's Accident Rider Form #RL-ACC3-CHR-16, Wellness Benefit Rider Form #RL-ACC3-WELL-16, Accidental Death & Dismemberment (AD&D) Rider Form #RL-ACC3-ADR-16, Catastrophic Accident Rider Form #RL-ACC3-CAR-16, Off Job Accident Disability Income Rider form #RL-ACC3-DIR-16, Sickness Hospital Confinement Rider Form #RL-ACC3-HCR-16, Waiver of Premium Rider form #RL-ACC3-WOP-16, Continuation of Insurance Rider form #RL-ACC3-CNT-16. Form numbers, provisions and availability may vary by state.

1953590 – 02152022

Mercer's Role & Compensation

Details of Mercer disclosure of the compensation.