Accident Plan

Here's what you need to know

What it does for you
Why it's important
When you can enroll
Forms & resources

The Aetna Accident Plan is a valuable financial resource if a covered accident takes you (and your budget) by surprise.

No one plans to be injured in an accident – they always happen without warning. You can, however, be prepared for the unexpected expenses associated with an accident by enrolling in the Accident Plan. Once you’re enrolled, you’ll be better prepared with an added cushion of financial security that’s specifically designed to help take the sting from your accident-related bills.

An Accident Plan:

Can help cover out-of-pocket expenses that occur when you have an accidental injury
Pays cash benefits directly to you¹
Lets you decide how to use the money – whether it’s for medical bills, childcare, groceries, or more

You can receive benefits under this plan in addition to other coverage you have, including your employer’s major medical plan, any other type of medical coverage, disability insurance, or other benefits you may be eligible to collect. However, it is NOT a substitute for these coverages and does not meet minimum essential coverage as defined by federal law. Limits may apply to the number of times benefits are paid. Please review your plan documents for a complete list of benefits, details, exclusions, and limitations that apply.

Healing from an accidental injury can be costly to your budget in 2 ways:

Bills. Accidents may have unexpected out-of-pocket costs that take you by surprise. The list includes deductibles, copays, and any expenses that aren’t covered at all. All of these can put a serious dent in your savings.
Lost wages. Your accident recovery could mean taking time out of work – either a little or a lot, depending on your needs. Or a family member might need to take time off to drive you to medical appointments or assist you in other ways. Either could impact the paycheck your family may rely on to keep everything on track. No one wants to struggle to pay regular bills with a reduced income while on the mend.

You may use your Accident Plan benefits any way you choose. It’s 100% your call on how to spend the money you receive, without limitations or approvals from your major medical insurance. You can use it to help pay for medical expenses or non-medical expenses – anything that becomes a financial concern if your accident results in unexpected expenses.

Access to this plan can help you financially while you recover from your accident. Having less financial worry can mean a more positive mindset for focusing on your recovery.

These are the periods when you are eligible to enroll for the Aetna Accident Plan:

Within your new hire enrollment period
If you have a qualifying life event (you get married, have a baby, etc.)
During your employer’s annual enrollment

Check with your employer’s human resources/benefits team for specifics about these timeframes.

Keep in mind: If you enroll during these timeframes, you have what is called "guaranteed issue," which means you qualify for the Accident Plan without answering health questions. You must have this plan in place before an accident happens in order to be eligible to collect the benefit when you need it.²

These form(s) are in Adobe Acrobat Reader (PDF) format and are available for downloading and printing.

2025 Accident Plan Overview

2025 Rate Chart

2024 Accident Plan Overview

2024 Rate Chart

After you become a member, you’ll enjoy an Aetna Simplified Claims Experience™ on MyAetnaSupplemental.com or on the My Aetna Supplemental app.

You can also view your coverage documents and sign up for direct deposit.

If you have questions or need a paper claim form call Aetna Member Services at 1-800-607-3366 (TTY: 711), Monday through Friday, 8 AM to 6 PM.

Who is the provider?

When is a benefit paid under the plan?

Once your plan is effective, you’ll receive benefits for a covered accident. These benefits may have other limitations and exclusions that may affect what’s payable. This plan provides protection for covered events. See your plan summary or certificate of coverage for full details on your coverage.

Who in my family is eligible for this program?
Members of your family who are considered eligible to enroll for this coverage include:
- You – if you are an active employee
- Your legal spouse
- Your eligible dependent children
You must be enrolled in the Accident Plan for members of your family to also enroll.

How much does this insurance cost?

Do I have to answer health questions or take a medical exam?

What if my employment status changes?

Good news! If you leave or retire from your current employer, you can continue the Accident Plan without interruption (subject to applicable law and the policy’s terms and conditions).³ Although payroll deduction will no longer be available, you can opt for other payment methods such as credit card billing or home billing.

When would my coverage start?

Am I really free to use the payment any way I choose?

Yes, you are! There are no restrictions or requirements about how you can use your accident cash benefit. Accidents aren’t something you can plan for – but you can be prepared with extra cash when one catches you off guard. You’re free to use this money on anything you choose, including out-of-pocket medical expenses and/or non-medical expenses. It can feel empowering to have this kind of flexibility.

Legal Disclaimers

See your plan summary for details, including exclusions and limitations that apply.

¹Covered services/treatments must be the result of an accident as defined in the group policy/certificate. See your Disclosure Statement or Outline of Coverage/Disclosure Document for more details.

²Coverage is guaranteed provided the employee is actively at work. Some states require the insured to have medical coverage.

³Eligibility for portability through the Continuation of Insurance with Premium Payment provision may be subject to certain eligibility requirements and limitations. For more information, contact your employer.

Mercer's Role & Compensation

Accident Plan | Aetna

Accident Plan

Can help ease the financial impact that comes with unexpected accident expenses.

Here's what you need to know

How It Works

You are injured in an accident.

You are injured in an accident.

That’s when the Accident Plan comes in.

Frequently Asked Questions

Are you ready To Enroll?