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Occupational Accident

01 Aug


What is Occupational Accident Insurance?

August 1, 2016 | By |

Occupational Accident Insurance provides medical, disability, and accidental death and dismemberment benefits, but it’s not Workers’ Compensation.

Medical Coverage

Our Occupational Accident Insurance offers our clients freedom of choice; they aren’t directed to a network of doctors or hospitals, rather, they can see their family doctor or specialists recommended by their doctor to treat covered accidental injuries, up to the limit of the policy.

Temporary Total Disability

If an individual is unable to work due to a covered occupational accident and medical treatment is necessary, our occupational accident insurance provides compensation for lost income, with some plans offering weekly maximum benefits of up to $700 per week for up to two years during recovery.

Continuous Total Disability

Should a covered injury result in a permanent total disability, individuals may be eligible for a Continuous Total Disability benefit once Temporary Total Disability benefits have expired.

Accidental Death and Dismemberment

Accidental Death and Dismemberment benefits are designed to help individuals and their families adjust to lifestyle changes that result from permanent critical injuries. The included death benefit will provide for dependents should an individual not survive a covered accidental injury.

For more information on this and other insurance topics and coverage, please call our office.

23 Jun


Workers’ comp vs. Occ Acc: what’s the difference?

June 23, 2016 | By |

Workers’ compensation is a state-regulated program, and is required of employers who employ three or more employees at any one time, or employ one or more employees for 35+ hours per week for 13 or more weeks by law in most states. It may cover wage-loss benefits, medical treatment, and rehabilitation—related medical expenses—for employees who suffer a work-related injury or illness. Workers’ compensation also includes employer liability coverage, which may provide protection to an employer if an employee sues the employer in indirect relation to a workers’ compensation claim, often covering legal defense costs, up to the policy limits. Workers’ compensation doesn’t eliminate the issues of an unsafe workplace, however, and employers have a responsibility to maintain a safe working environment for their employees. Click here for specific answers to frequently asked questions about workers’ compensation.

Occupational accident insurance may provide medical, disability, and accidental death and dismemberment benefits, but it’s not workers’ compensation—it isn’t state-regulated or state statutory. Occupational accident policies may cover wage-loss benefits, medical treatments, and rehabilitation for employees or covered independent contractors, but only up to the policy limits. Employers are allowed to choose their coverage and deductible amounts, based upon the employer’s perceived risk.

While workers’ compensation policies typically involve a higher cost to the employer, they may offer more comprehensive coverage, particularly in terms of employer liability, which is not a component of occupational accident coverage. However, owner-operators and other drivers who qualify as independent contractors are not always covered under state workers’ compensation laws; while employee classification is determined by the federal government, workers’ compensation laws are determined by the state government. For these drivers, employers may want to consider occupational accident coverage.

For a useful infographic delineating the differences between workers’ compensation and occupational accident policies, click here. For more information on this and other insurance topics and coverage, please call our office.

15 Feb


Occupational Accident Insurance

February 15, 2010 | By |

In December I posted the answers to some frequently asked questions regarding workers’ compensation insurance.  As I explained, in some cases individuals cannot purchase workers’ compensation for themselves.  Additionally, many individuals choose not to include themselves in coverage due to the costs.  However, just because workers’ compensation isn’t the perfect fit for you doesn’t mean you should go entirely without some sort of protection against work related injuries.  Instead, consider the many benefits an occupational accident (Occ/Acc) policy can provide to you at a very reasonable monthly premium.


Let’s start with a basic explanation of the coverage.  Occ/Acc is not workers’ compensation, but is similar in that it helps pay for medical bills related to an on the job injury and provides some compensation for lost wages.  Many Occ/Acc policies that are written for professional truck drivers will even extend coverage to include passengers who are injured or killed while riding in your truck. 


Below is an outline of four major features of an occupational accident policy:


1.)    Accidental Death & Dismemberment: Pays one lump sum and, in many cases, additional monthly payments to you or, in the event of your death, your survivors, to help adjust to the lifestyle change as a result of the accident.


2.)    Accidental Medical Expense: Pays medical treatment costs associated with job related injuries, up to the policy limits and subject to any applicable deductible.


3.)    Temporary Total Disability: Supplements your income in the event that an on the job injury results in your being unable to work for an extended period of time.


4.)    Continuous Total Disability: Extends the Temporary Total Disability Benefit if your injury has been deemed permanent.  The amount paid is normally offset by your available Social Security Disability Income.


The cost associated with an occupational accident policy is extremely affordable, with premiums starting as low as $130 a month.  Policy limits range from $500,000 to $2,000,000.


Is occupational accident coverage the right fit for you?  Give us a call today at (800) 596-TRUCK(8782) to learn more or request a quote.  All of us at the Navigator Truck Insurance Agency work hard at being accessible, helpful and result oriented. 


Until next month,


Jeffery A. Moss