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

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Employer’s choice of coverage options:

  • 24-Hour
  • Off-the-Job Only

Employer’s choice of policy benefit plans:

  • Economy
  • Standard
  • Preferred
  • Premium

Optional Riders2

  • Off Job Accident Disability Rider
  • Catastrophic Accident Rider
  • Sickness Hospital Confinement Rider3
  • Wellness Benefit Rider4

Please note, the applicant must attest that each insured under the Sickness Hospital Confinement Rider or Wellness Benefit Rider has medical coverage meeting the minimum essential coverage requirements of the Affordable Care Act.