Student Accident Insurance
What is Student Accident Insurance?
Student Accident Insurance is a school system-established benefit that provides coverage for accidental injuries that occur during normal school hours or during any school sponsored and supervised activity. The benefit works as a supplement to fill the gaps in existing plans that may not cover all expenses including deductibles, coinsurance and other high out-of-pocket costs. This benefit can also work as the primary insurance in the event there is no other coverage.
There are Several Plans to Choose From:
PRIMARY PLAN: Provides medical expense benefits on a primary basis (payment is made without regard to any other existing, applicable insurance plan).
- Up to $500,000 maximum benefits per accident.
FULL EXCESS PLAN: Provides coverage for medical expenses that are not covered by any other insurance plans.
- Up to $500,000 maximum benefits per accident.
SUPPLEMENTAL PLAN: Parents/Guardians will be given the option to voluntarily extend coverage to a full 24 hours a day, 365 days a year, covering accidental injuries that take place outside of school.
- 24 Hour Accident Insurance
- $10,000 Student Term Life Insurance
- 24 Hour Dental Accident Insurance
- Optional $5,000,000 maximum benefit with either a 10 year or lifetime benefit period for athletes
- Disability limits from $550,000 to $1,500,000 available for athletes
Why Choose Pierce Group Benefits as Your Student Accident Providers?
Pierce Group Benefits designs employee benefits solutions catered to you and your employees. We currently provide benefits for over 100 clients in North Carolina and serve over 150,000 employees throughout the state. It’s our mission to provide you, our valued client, with the best benefits and prices from the industry’s highest rated companies. When you partner with Pierce Group Benefits, you get a group of dedicated and knowledgeable professionals and a management team that has over 84 years of combined industry experience. Our firm includes 20 full-time employees and an enrollment team comprised of over 30 hardworking and dedicated professionals. We understand that you and your employees come first. That’s why we only offer and recommend products that fit your needs—not ours.
The Student Accident carrier we’re working with is one of the nation’s largest privately owned insurance firms. Here are a few highlights of the company.
- They are among the top 20 agencies in the nation in productivity and have repeatedly been ranked number one in automation and utilization of technology. They are an “employee-owned” company with 450 employees in five offices.
- They provide services for over 525 public school districts and 170 colleges and universities.
- They have over 60 years of experience in amateur sports teams and plans are written through A-rated carriers.
- All services are provided in-house including but not limited to underwriting, billing, claims processing and account servicing.
- Claims are processed within two to three weeks.
Personalized Service.
You will have designated Pierce Group service person to respond to all of your questions and comments regarding Student Accident Insurance. Additionally, the Student Accident Insurance provider we’ve partnered with provides prompt, effective claims services so those making claims can expect a quick and accurate claims processing experience. You can obtain and distribute claims forms easily by visiting the Pierce Group website and logging into your schools’ custom-created benefits site and clicking on the “Forms and Links” tab.
What to do Next.
Contact David Charland to get more information regarding Student Accident Insurance.
dcharland@piercegroupbenefits.com
919-577-0700 ext. 405