“Can you take me to the emergency room? I fell and twisted my knee. I can’t walk on it, let alone drive.” When the call came, I was fortunate that I was able to help and took my friend to the ER. My friend was sent for x-rays and later for an MRI, physical therapy and a cortisone shot. She’s going to need surgery, and will require time off work. The problem for her is, she works a job that requires nearly 8 hours on her feet a day, and she doesn’t have the sick time it will take to recuperate from the injury, let alone surgery.
Health insurance covers some of the costs associated with accidents like this, but there are still co-pays and deductibles to be met, and often-times emergency room visits are costly. Add to that physical therapy and potential surgery, and time off work, and most people are left wondering where the money will come from. Accidents do happen, but they don’t have to cause this much damage to our budgets.
The solution is supplemental insurance policy that picks up where your health insurance leaves off. Accident benefit coverage gives you the peace of mind you need to be able to pay the bills when accidents happen. Whether it is something as simple as stitches or something that requires a hospital stay or surgery, you receive a cash benefit.
In these tough economic times, employers are tightening the rules on sick days, making lengthy recovery times nearly impossible. Time off work to recuperate from an injury or accident can put stress on you financially, and often leads to foreclosure and bankruptcy. With an accident benefit policy, the bills can continue to be paid throughout your recovery. The things that matter most to you and all that you have worked for remain intact as long as your premiums are paid up to date.
The policies are easy to obtain, easy to understand and easy to use. All you have to do is call your AC Financial Adviser at (800) 564-3136 and ask about how a supplemental accident benefit policy can benefit you and your family.