Accident Disability Insurance

Cash benefits paid directly to you, even if benefits are also paid under Workers’ Compensation*

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Planning for the unexpected is the best way to help safeguard your financial security if your regular income is interrupted due to a period of disability resulting from an accident. While medical insurance pays your doctors and hospital, it doesn’t pay you. It may be surprising to learn that nearly 3,000 Americans become disabled every hour and medical bills contributed to 62 percent of all bankruptcies in 2007 even though three quarters of American families filing for bankruptcies were insured.*

Our Accident Disability Direct supplemental insurance plan is simple. It pays a monthly cash benefit directly to you for up to 12 or 24 months during times when an accidental injury results in total disability leaving you unable to work. This money can be used for anything you choose. It’s your money, your decision.

Cash Benefits Can Be Used For

  • Copays or Coinsurances
  • Rent or Mortgage
  • Car Payments
  • Child Care
  • Everyday Living Expenses

How Does Accident Disability Work?

  • Step 1: 95% of disabling injuries occur off the job.

    Accident Disability Direct can help – even if benefits are also paid under Workers’ Compensation.*

  • Step 2: Submit your claim.

    Easily check the status of your claim online 24/7.

  • Step 3: Receive your cash.

    It’s your money, you decide how to use it.

Questions about Accident Disability Insurance

Are there any restrictions on how I use the money?

No, you can use the money however you choose. It’s your money, your decision.

Does my money have to be used to pay for medical expenses?

No. You can use the money to pay for anything you choose, from medical deductibles to groceries to mortgage payments. It’s your money, your decision.

How do I receive the money?

If you have a covered accident or illness, you file a claim with SureBridge’s underwriting company, The Chesapeake Life Insurance Company. Once the claim is reviewed and approved, a benefit check will be mailed directly to you.

How is supplemental insurance different than medical insurance?

When you are injured or sick, your medical insurance pays your doctors and hospitals; supplemental insurance is designed to pay you. The cash benefit you receive from your supplemental insurance plan can be used for anything you choose, including expenses health insurance won’t pay for, such as deductibles, offsetting a loss of income during your hospital stay, family travel expenses, or to help with everyday living expenses.

How is supplemental insurance different than my current health insurance plan?

Health insurance plans pay your doctors and hospital. Supplemental insurance from SureBridge pays you. You decide how to use the cash benefits received.

If I am injured but not disabled, do I still receive the money?

No, you are only eligible to receive the money if you are deemed disabled by a qualified physician.

If I become disabled multiple times from different injuries, do I still qualify to receive money each time?

Yes, as long as the injuries incurred are from different and separate accidents.

Is supplemental insurance expensive?

SureBridge plans provide customizable protection for you and your family to fit any budget. Our policies are designed to fit your budget and fill the gaps to help protect your financial security. Get a quote to find out just how affordable adding supplemental insurance protection can be.

What if I’m totally disabled for less than a full month?

The policy will pay 1/30th of the monthly benefit for each day of a period of total disability that is less than a full month.

Who can I speak with to find out more information?

Call (866) 876-8756 Monday – Friday from 8:00 am through 7:00 pm for more information on SureBridge products.

Why do I need supplemental insurance from SureBridge if I already have medical insurance?

Medical insurance is very important but it is only part of the protection you need. You also need coverage to help fill financial gaps such as out-of-pocket medical expenses and other daily living expenses. Supplemental insurance pays you a cash benefit directly to you to help fill financial gaps.

Have Questions?

Still have questions about supplemental coverage? Check out the Frequently Asked Questions section for more information.

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Let Us Help You Get the Coverage You Need

Combining supplemental insurance from SureBridge with a health insurance plan can provide an extra layer of financial protection to help you feel more comfortable with your insurance coverage.