Protect your income
Accident Insurance
with a Disability Income Rider
Do you have a job with occupational hazards?
Have an active lifetyle?
Do many home improvement projects?
Spend much time on the road?
Search for Product Options
Insurer, Policy Form ID | Selections Included | DI Rider Benefit Amount | DI Rider Elimination Period | DI Rider Benefit Period | Monthly Premium | |
|---|---|---|---|---|---|---|
For higher monthly benefits and shorter Elimination Periods, see also:
Short Term Disability Insurance, then look for variants that are accident-only.
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Market Overview of Accident Insurance
The core purpose of Accident Insurance is to help pay for certain, specified expenses arising from accidents. All carriers offer a base policy with a schedule of compensable events and a corresponding benefit. A typical policy will list 50-70 different events. For example, knee surgery with repair may pay $500, hospital Admission may pay $1,000, an urgent care visit may pay $75, and so on.
The concept has been popularized by the famous duck in Aflac commercials, which is geared toward the workplace market. This page identifies alternatives to Aflac available to individuals on a standalone basis, without employer involvement.
A secondary purpose may be income protection against accident risk, to the extent a Disability Income option is available.
A base policy alone would not protect income, but a Disability Income rider would. For our purposes, the whole point of Accident coverage is to acquire a Disability Income rider, which narrows the universe of contenders. Carriers that don't offer a Disability Income rider are ruled out of any market search.
The advantage of an Accident policy with a Disability Income rider - compared to a Disability Income policy that is limited to accidents only - is more relaxed underwriting and therefore greater accessibility.