Accident + Short-Term Disability Insurance

Accidents and unexpected health events can disrupt your life and finances in an instant. Our Accident + Short Term Disability Insurance offers dual protection, providing cash benefits when you need it most. Whether you experience an injury from an accident or need time to recover from an illness or childbirth, this plan ensures you have financial support. With benefits paid directly to you, you can cover medical costs, daily expenses, or anything else that arises.

Coverage Provided by:

Download Full Accident Insurance Summary

Download Full Short-Term Disability Insurance Summary

0%
of bankruptcies are caused directly by medical expenses.1
0%
of Americans fear they won’t be able to afford health care in the upcoming year.2
0%
of U.S. adults are currently unable to afford a $1,000 emergency expense.3

Accident Insurance Information

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.

Short-Term Disability Insurance Information

What it does

Provides a weekly payment, equal to a portion of your salary, that you can use however you choose. Check with your benefits representative for your company’s specific plan details.

How it works

You’ll receive regular payments for a specific period of time once your case has been approved. We’ll just need to receive notice that you are unable to perform your occupation and the supporting medical documents to help prove that. Payments will begin once you’ve been out of work for a set number of days, referred to as your elimination period.

What it doesn’t do

Provide payments for as long as you are disabled and doesn’t provide job protection. This coverage typically provides benefit payments for the first 13 or 26 weeks only, depending on the plan.

Benefits

What’s covered with Accident Insurance?

  • Life and dismemberment losses

  • Accidental dismemberment

  • Dislocations (Open reduction/Closed
    reduction)

  • Fractures (Open reduction/Closed reduction)

  • Lacerations

  • Additional injuries like Eye Injury, Gunshot Wounds, Brain Injury,  Paralysis, and more…

You decide how to use your payment

  • Out-of-pocket medical costs, including deductibles and co-pays

  • Rehab costs

  • Rent or mortgage payments

  • Groceries

  • Utility or credit card bills

  • Childcare

  • Other financial support

Transparent Pricing

Accident + Short-Term Disability Monthly Premium Illustration

Plan Type

Platinum Plan Diamond Plan
Member Only $32.84 $54.05
Member & Spouse $40.20 $75.89
Member & Child(ren) $44.07 $76.49
Member & Family $51.56 $99.08

FAQ

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.

Yes. No medical evidence is required for Equitable’s group accident insurance.

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.

No. Once you are enrolled and your benefits are effective, there are no waiting periods before benefits can be accessed.

All benefits for Equitable’s group accident insurance are paid directly to you. You can use the payment as you see fit.

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.

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.

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.

Short-Term Disability Insurance

Short-term disability insurance can help provide peace of mind, because it provides you with replacement of a portion of your income if you become disabled due to an illness, injury, accident or have a baby.

If you have short-term disability insurance and you are disabled under the terms of the contract, you typically start receiving benefit payments after a short elimination period. Those benefits vary based on your disability and can last from several days or weeks up to a maximum period of 26 weeks, depending on the language in your policy. Your benefits generally equal a percentage of your earnings and can be used to pay for any expenses you might have.

You can enroll when you are initially eligible, during any annual enrollment period, or within 31 days of a family status change. Evidence of insurability (also known as proof of good health) may be required. Please see your coverage certificate for details.

To qualify, you must be unable to work due to an illness, injury or accident that is not related to work.

No, you must be totally disabled in order to be eligible for a benefit.

As long as you continue to meet the definition of disability, you can receive benefits for up the maximum benefit period outlined in the “Coverage Details” section. For example, if your benefits commence on the 8th day of disability and you are disabled for 6 weeks, you would receive 5 weeks of benefit payments.

Your Short-Term Disability benefits will be reduced by any state medical leave benefits you may be eligible for.

Maternity claims are treated the same as any other illness

1, 2 Source: https://www.retireguide.com/retirement-planning/risks/medical-bankruptcy-statistics (Published October 2023)
3 Source: https://fortune.com/recommends/banking/57-percent-of-americans-cant-afford-a-1000-emergency-expense/ (Published January 2023)

Important Information for Accident Insurance

Limitations and exclusions: The following is a summary. A complete list of applicable exclusions and limitations are included in the policy and certificate. State variations may apply. Accident benefits may not be payable for injuries caused or contributed to by or incurred: physical or mental illness or disease or related medical treatment, infection not occurring as a direct result of accidental bodily injury, suicide or intentionally self-inflicted injury, war or act of war, while incarcerated, participating in a felony or illegal activity, intoxication, voluntary drug use unless administered by and used as instructed by a physician or for over-the-counter drugs in accordance with manufacturer’s instructions, participation in certain activities involving an increased risk of injury as listed in the policy and certificate (e.g., mountain climbing, sky diving).

If you start working for your employer after the effective date – the waiting period is determined by your Employer’s personnel policy.

A member who is employed on the effective date of the policy will receive credit toward satisfying the waiting period for time employed with the employer provided he or she was employed on
the day prior to the effective date of the policy.

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 insurance broker. Plan documents are the final arbiter of coverage. Policy form [provide policy form nos.] and state variations. Availability is subject to state approvals.

Equitable policy strictly prohibits doing business with any person or entity involved with marijuana production, distribution or other ancillary operations. Marijuana-related businesses also include the marketing of marijuana-related products and services, persons and businesses that service and receive income from the marijuana industry, and business involving hemp and hemp-related ingredients.

Legal disclosures: Equitable is the brand name of the retirement and protection subsidiaries of Equitable Holdings, Inc., including Equitable Financial Life Insurance Company (Equitable Financial) (NY, NY), Equitable Financial Life Insurance Company of America (Equitable America), an AZ stock company with an administrative office located in Charlotte, NC, and Equitable Distributors, LLC. Equitable Advisors is the brand name of Equitable Advisors, LLC (member FINRA, SIPC) (Equitable Financial Advisors in MI and TN). All group insurance products are issued either by Equitable Financial or Equitable America, which have sole responsibility for their respective insurance and backed solely by their claims-paying obligations. Some products are not available in all states.

Important Information for Short-Term Disability Insurance

Limitations and exclusions: The following is a summary. A complete list of applicable exclusions and limitations are included in the policy and certificate. State variations may apply. Exclusions may include disabilities caused or contributed to by: war or an act of war, intentionally self-inflicted injury, your commission of or attempt to commit a felony, sustained as a result of work done for another employer (including self-employment), or for which Workers’ Compensation benefits are paid, or may be paid, if duly claimed. Benefits will not be paid unless you are under the regular care of a physician. Benefits will not be paid if you are eligible for payment under a prior disability plan sponsored by your employer that was terminated before the effective date of the policy. Benefits may be offset by other benefit income you receive due to the loss of income from disability.

This policy provides limited benefits: This policy provides disability income insurance only. It does NOT provide basic hospital, basic medical or major medical insurance, and does not satisfy the requirement for minimum essential coverage under the Affordable Care Act. THIS POLICY IS NOT A MEDICARE SUPPLEMENT PLAN. The certificate has exclusions and limitations for certain conditions that may affect any benefits payable. For costs and complete details of the coverage, please see the actual policy or contact your benefits representative. Benefits payable are subject to all terms and conditions of the certificate. Policy contract form #s: AXEBP15DI; MOEBP15DI and state variations. Availability is subject to state approvals.

Legal disclosures: Equitable is the brand name of the retirement and protection subsidiaries of Equitable Holdings, Inc., including Equitable Financial Life Insurance Company (Equitable Financial) (NY, NY), Equitable Financial Life Insurance Company of America (Equitable America), an AZ stock company with an administrative office located in Charlotte, NC, and Equitable Distributors, LLC. Equitable Advisors is the brand name of Equitable Advisors, LLC (member FINRA, SIPC) (Equitable Financial Advisors in MI and TN). All group insurance products are issued either by Equitable Financial or Equitable America, which have sole responsibility for their respective insurance and backed solely by their claims-paying obligations. Some products are not available in all states.