Among the supplemental benefits offered to you by your employer, you may have noticed accident insurance. But you might be wondering: who needs it? You already have an outstanding health insurance policy. But the future is impossible to predict. You are not invincible, and you never know when you might end up with more expenses than your health insurance can cover. Here are a few groups of people who should get accident insurance.
Here are a few groups of people who should get accident insurance.
Commuters by Car
In our automobile-centric culture, driving is probably the most dangerous thing that a majority of us do on a regular basis. Every year, more than 3 million Americans sustain injuries in car accidents.
If you aren’t lucky enough to work from home or have convenient access to public transportation, you probably commute to work by car. This means you could end up in an accident almost any day—and it doesn’t have to be your fault.
Athletes
Physical activity is one of the best things you can do for your body. But if you aren’t careful—or if you’re just unlucky—it could backfire. Countless Americans wind up in a hospital every year from an injury sustained from sport.
Among individuals who should get accident insurance, athletes probably need it the most. We’d define ‘athlete’ broadly to include those who regularly engage in any sort of physical activity, such as jogging, backpacking, or even hunting.
Physical Laborers
Some of us are fortunate enough that we might be able to continue our job even after sustaining a physical injury. This is especially true as our culture shifts to emphasize telework. But many of us are not so lucky, and an injury that compromises our mobility could put us out of a job.
When people think of accidents, the first expense that comes to mind is typically medical costs. But lost wages can often be far pricier. Accident insurance can help to cover these costs.
The Bottom Line
Like with any other benefit, it’s ultimately up to you to decide if you are someone who should get accident insurance. Most Americans will fall into at least one of the categories we’ve listed above. But far fewer of us will be lucky enough to have accident insurance offered to us by our employers. If it’s possible for you to do so, we suggest you take advantage of it.
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Malden Solutions has a wealth of expertise in providing employer insurance solutions, H.R. solutions, and individual insurance solutions to businesses both big and small. Our team of seasoned professionals can help you navigate the rapidly-changing world of insurance with ease. We partner with businesses and individuals throughout the country to provide our dedicated services for employee benefits but also work within our surrounding communities in Maryland, Northern Virginia, and Washington, D.C. Contact us today to learn more about how we can provide effective, dynamic solutions for your business. Stay connected with us on Twitter, Facebook, and Linkedin.