Accident insurance from Reliance Standard pays you a set amount of cash when you’re hurt in an accident off the job. Your medical plan pays your doctors. This pays you, and you can spend it on anything: your deductible, groceries, rent or a ride to physical therapy.
Some of what the plan pays
- Hospital admission: $900
- Hospital stay: $230 a day, up to 365 days. Intensive care: $300 a day, up to 30 days
- Emergency treatment: $203
- Ambulance: $200 by ground, $1,000 by air
- Burns: up to $15,040
- Wellness benefit: $50 per covered person each year for getting a routine health screening
Example: a broken ankle
Say you break your ankle playing pickup basketball. You go to the ER, the doctor sets it without surgery, and you go home on crutches. After a follow-up visit and six physical therapy sessions, the plan would pay you about $1,011: $203 for the ER visit, $180 for the closed reduction, $300 for crutches, $100 for the follow-up and $228 for physical therapy.
What you pay per paycheck
Accident insurance is voluntary and paid after taxes. 2026 semi-monthly deductions: $1.95 employee only, $3.30 employee + spouse, $3.81 employee + child(ren), $5.19 family.
