Unfortunately, accidents can be part of everyday life and are often partnered with expensive medical bills resulting in out-of-pocket costs for employees. Accident insurance coverage can help cover these out-of-pocket expenses. The base accident policy underwritten by Illinois Mutual provides benefits for loss due to accidental bodily injuries only and does not provide benefits for loss due to sickness. Illinois Mutual Accident coverage is not intended to replace major medical, medical expense or Medicare Supplement coverage. The Accident policy does not meet the Minimum Essential Coverage Requirements of the Affordable Care Act.
- Employees and Spouses age 18 to 69
- Dependent Children age 0 to 21 or to age 23 if a full-time student1