Accident Insurance by AllState

  • Group voluntary accident coverage from Allstate Benefits pays cash benefits for expenses associated with an accidental injury and can help protect hard-earned savings should an on- or off-the-job accidental injury occur. 

2023-2024 Benefits Guide

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Plan Overview

  • Coverage is a guaranteed issue; there are no medical exams or tests to take
    Benefits that correspond with treatment for on- and off-the-job accidental injuries, including hospitalization, emergency treatment, intensive care, fractures, etc.
    24-hour accident coverage for yourself or your family
    Affordable premiums. Benefits are paid directly to you unless you assign them to someone else.
    Additional rider benefits have been added to the plan, and are designed to enhance your coverage

Contact LifePlus

  • James Flynn
    jim@lpins.com

    Roger Goodson
    roger@lpins.com

    475 School Street, Suite 5
    Marshfield, MA 02050

    Phone: 781-837-9222
    Toll-Free: 866-511-9222
    Fax: 791-837-9227

Frequently Asked Questions

  • When can I sign up?
    Within the first 30 days of employment or during an enrollment.

    Why do I need the Accident Plan if I have health insurance?
    Your health insurance will reimburse Hospitals and Doctors for most of your medical expenses.  Health insurance does not pay benefits directly to you for other expenses associated with accidents: lost income, co-pays, transportation, hotel, child care, etc.

    When does the plan pay?
    Benefits are received by the insured due to covered accidents caused either on or off the job.

    What types of injuries are covered?
    Loss of Life, loss of limb, dislocations, fractures, hospital confinement and ambulance benefits are paid directly to the insured.

    Do I have to use the money for things related to medical expenses?
    No, benefits are paid directly to the insured with no questions asked.

    Can my whole family be covered?
    Yes, family. +1 and individual policies are available.

    Are benefits offset by other coverage?
    No, benefits are paid regardless of other coverage.

    How much does it cost?
    There are different coverable options but an individual policy can cost $4.16 per week.

    Can I keep this policy if I leave employment or retire?
    Yes, this policy is portable (YOU OWN IT) at the same rates as when you were an employee.

Keep in Mind

  • Employees can elect to participate in the Accident Insurance program during the open enrollment in April with the effective date of July 1. The enrolment process is done directly through Allstate.