Accident insurance

With accident insurance, you can manage the costs and stress of falls, sports injuries or other unexpected accidents.
What it does
Pays a cash benefit directly to you if you or your dependents are injured as part of a covered accident, regardless of whether it’s covered by your medical insurance.
How it works
In the event of a covered accident, submit a claim to receive prompt payment. Payment is made directly to you, so you can use it as you see fit.
What it doesn't do
Provide payment for injuries or accidents that aren’t part of the covered list. Check with your benefits representative for your company’s specific plan details.

Protection for when the unexpected happens

57% of U.S. adults are currently unable to afford a $1,000 emergency expense.1

1 Source: (Published January 2023)


  • What is group accident insurance?
    Group accident insurance can be purchased through your employer and this coverage provides cash benefits for unexpected injuries resulting from a covered accident. Our plan covers many types of injuries, treatments and services.
  • Why should I buy accident insurance?
    Accident insurance helps cover unexpected expenses related to an accidental injury, which can be costly. Accident insurance can help protect against unexpected costs that are not typically covered under a medical plan, such as deductibles, copays or out-of-network costs. 
  • What is a Wellness Benefit?
    If your group accident policy includes a wellness benefit, insureds are eligible to annually receive a benefit amount (default is $50) when they undergo any eligible exam or screening from the covered list.
  • Can I enroll for this insurance without having to take a medical exam?
    Yes. No medical evidence is required for Equitable's group accident insurance.
  • Do I have to wait before I can access benefits?
    No. Once you are enrolled and your benefits are effective, there are no waiting periods before benefits can be accessed.
  • Are benefits paid directly to me or to my health care provider?
    All benefits for Equitable's group accident insurance are paid directly to you. You can use the payment as you see fit.
  • What happens if I change jobs? Can I take my coverage with me?
    Yes. Equitable's group accident insurance is portable, which means you can take your policy with you.  The coverage and rates will remain the same.
  • Is the claims process simple?
    Yes. We have two claim forms: one for an accident claim and a short form for the wellness benefit (if included in your plan). The forms are designed to be easy to complete and submit to our claims department.  Our average turnaround time for claims is 5 days.
  • Are there accidents that aren't covered by this insurance?

    The plan does not provide payment for injuries or accidents that aren’t part of the covered list. Additionally, the policy has exclusions that may affect benefits payable.

    Click here for full exclusions and limitations.

Equitable's full suite of insurance products

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Short-Term Disability
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Long-Term Disability
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Critical Illness
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Hospital Indemnity

Availability of this product is subject to state approvals. 

This policy provides limited benefits. This coverage does not constitute comprehensive health insurance coverage (often referred to as major medical coverage), and does not satisfy the requirement of minimum essential coverage under the Affordable Care Act. This policy is not a Medicare supplement plan.

The policy has limitations and exclusions. Optional riders and/or features may incur additional costs. For costs and complete details of the coverage, please see the actual policy or contact your benefits representative.

Plan documents are the final arbiter of coverage. Policy form MOEBP19 ACC; AXEBP19 ACC and state variations.

NEW MEXICO BROKERS, EMPLOYERS AND RESIDENTS: This advertisement is not currently directed to, applicable to or intended for any person residing in New Mexico.

All group insurance products are issued either by Equitable Financial or Equitable America, which have sole responsibility for their respective insurance and are backed solely by their claims-paying obligations. Some products are not available in all states. 

HIPAA  |  Legal

GE-6364286.1 (02/2024) (Exp. 02/2026)