Accident Insurance is a type of financial product that pays out a lump sum if you incur specific kinds of injury as a result of an accident. Similar to but legally distinct from health insurance, accident insurance complements disability insurance by allowing you to claim benefits even if the injuries you incur do not keep you out of work. Accident insurance may also complement health insurance if an accident causes you to have medical expenses that your health insurance doesn’t cover.
Dental insurance covers issues related to the teeth and gums, as well as to preventative care such as annual cleanings. Dental procedures covered by insurance policies are typically grouped into three categories of coverage: preventive, basic, and major. Most dental plans cover 100% of preventive care, such as annual or semiannual office visits for cleaning, X-rays, and sealants.
Vision Insurance plans are designed to reduce your costs for routine preventive eye care (eye exams) and prescription eyewear (eyeglasses and contact lenses). Some vision plans also offer discounts on elective vision correction surgery, such as LASIK and PRK. Vision insurance also helps offset the costs of routine eye exams and also helps pay for vision correction wear, like eyeglasses, that may be prescribed by physicians or eye-care specialists.
Short-Term Disability is a type of insurance benefit that provides some compensation or income replacement for non-job-related injuries or illnesses that render you unable to work for a limited time period.
Long-Term Disability is an insurance policy that protects you from loss of income in the event you are unable to work due to an illness, injury, or accident for a long period of time. Benefits usually begin once short-term disability benefits have been exhausted.
Final Expense Insurance/Burial Insurance/Funeral Insurance is generally a small whole life insurance policy with affordable premiums designed to pay all final expenses. No exams are required, serious health issues will not prevent acceptance, and coverage typically ranges from $2,000-$40,000 with most companies.
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