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CIGNA Personal Accident Insurance – Middle Market
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Accident Coverage for Those Unexpected Moments
Accidents are the leading cause of death for Americans under the age of 40, and the 5th leading cause for people of all ages.*
CIGNA knows Accident insurance – and has been offering it for more than 50 years. Today, CIGNA is the second leading Group Accident provider in the country. Because Accident is a primary product, CIGNA will take on the risk that many other carriers won't. CIGNA's dedicated Accident underwriters and Regional Accident Specialists will support your employees every step of the way.
CIGNA Personal Accident insurance pays a benefit to insureds or their beneficiaries for death or serious injury caused by a covered accident. It offers high-limit protection – up to 10 times earnings.
When you offer CIGNA Personal Accident insurance to your employees, you – and they – can expect outstanding services from a group of people dedicated to making every interaction a positive one. What you can expect:
- Effective benefit-cost solutions with flexible Personal Accident products and services.
- The best care for their employees with comprehensive Accident coverage and benefits and best-in-class beneficiary services.
- Dedicated account team and experienced claims management.
You can expect us to be working every day to earn your business and your trust.
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Your Passport To Exceptional Service
You can expect us to be easy to do business with...whether it's in account setup, or administration, or claims management, or delivery of benefits, we've built our program to eliminate hassles and maximize convenience.
Immediately after you sign on with us, we'll assign a dedicated implementation coordinator whose job is to make sure your account is set up properly, smoothly and on time. Your mplementation coordinator will:
- develop an implementation schedule and clearly define roles and responsibilities
- thoroughly discuss the employee communication strategy
- confirm the employee eligibility process
- explain how claims handling will work
- verify that everything is properly set up
- deliver policy, certificates and employee-enrollment materials, if needed.
After your program has been set-up, a dedicated account manager will respond to your inquires and proactively reach out to you during the year to find out if you're satisfied with our level of service or if any adjustments need to be made.
Our commitment to fast, thorough claims management benefits you and your employees. While many carriers assign accident and life insurance claims to the same representative, we assign a dedicated Accident Claims Specialist to each claim, a person focused solely on Accident claims management.
This Specialist serves as the single point of contact for our customers and claimants. When a claim is reported, the Specialist will conduct a thorough investigation before making a claim payment decision. Once the investigation has concluded, our Accident Claims Specialist provides notification within 24 hours of the claim decision. Approved claim payments are typically issued within 10 business days.
Trust CIGNA to deliver the kind of service that means convenience and ease for brokers, customers and employees.
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Employer Advantages
With CIGNA's Personal Accident coverage, your employees have the opportunity to receive high-limit protection – up to 10 times their salary – without having to provide medical evidence of insurability. Low-cost, guaranteed coverage is also available for employees, spouses and dependent children.
We take care of the people who are left behind after a loss. Our CIGNAssurance ProgramsSM for beneficiaries is one of the most comprehensive packages of financial, bereavement and legal services in the marketplace. It's automatically included with all our Personal Accident insurance policies, at no additional cost. And, unlike other carriers that require a minimum benefit payment of $10,000, our services are offered to all beneficiaries with benefit payments over $5,000.
CIGNA's Secure Travel® program offers your employees and their family the assistance they'll need for medical emergencies while traveling almost anywhere in the world. This coverage provides comprehensive protection 24 hours a day, 365 days a year. Features include:
- referrals to medical and prescription assistance,
- medical evacuation and family transportation,
- access to translation and interpretation services.
CIGNA's Identity Theft program provides extensive resolution services to help employers and employees deal with the difficult issue of resolving credit issues caused by identity theft. This program covers all types of identity thefts such as credit card fraud, financial or medical identity theft. Features include:
- review of credit information to determined if an identity theft has occurred
- an identity theft resolution kit for employees
- identity theft affidavit furnished for use with credit bureaus and creditors
There are a wide range of coverage options available depending on the options you have chosen. Contact your CIGNA sales representative today to learn more.
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You can outsource a host of administrative responsibilities associated with CIGNA's Personal Accident program directly to us. This can drastically reduce the workload for your HR staff. Here are some ways CIGNA can help...
- Employee Education & Communication
- Online Enrollment
- Online Billing & Remittance
- List Billing/Payroll-Deduction Management
- Management of Beneficiary Designations
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CIGNA's dedicated staff of more than 300 account management and customer service employees, including dedicated representatives and local account managers handles account management, implementation and customer support. CIGNA can help reduce a benefit manager's workload. Options include:
- Enrollment services through mycigna.com or employer's Intranet
- Interactive voice response system
- Personalized or generic applications to speed up processes
- Enrollment kits and meetings to broaden employee awareness
- Online or paper billing —your choice
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FAQ
What programs are associated with CIGNA Life Plans?
The CIGNAssurance® Program for Beneficiaries provides financial, bereavement and legal assistance for those dealing with the loss of a loved one.
CIGNA Secure Travel®, helps arrange transport for employees to the nearest medical facilities during emergencies and also provides referrals for local medical, legal and financial assistance, as needed. CIGNA Secure Travel® coverage may vary.
Our Human Resources department is already swamped with paperwork. How can you help?
CIGNA's dedicated staff handles account management; implementation and customer support can help reduce a benefit manager's workload. Options include...
- Enrollment services through cigna.com or employer's Intranet
- Interactive voice response system
- Personalized or generic applications to speed up processes
- Enrollment kits and meetings to broaden employee awareness
- Online or paper billing – your choice
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