 TITLE: What Is Accident Insurance? CONTENT: Is Accident Insurance Worth It?\n-------------------------------\nWhether accident insurance is really worth it all depends on your individual situation. While it certainly isn't meant to replace traditional health insurance or disability insurance, it can be a useful supplement that helps round out your overall coverage. Those who have a health plan with a high deductible (meaning you'd have to pay a lot out of pocket before coverage kicks in) may find low-cost accident insurance valuable. Receiving a cash payout after a covered injury could help ease the financial burden of meeting that deductible.\nIt can also be helpful in providing coverage when disability insurance falls short—such as if you're injured severely enough that you require medical attention, but not so badly that you're unable to work. In this scenario, disability insurance would not kick in, but accident insurance could provide some level of financial relief.\nEach insurance provider has its own rules around eligibility. If accident insurance is being offered as an employee benefit, your eligibility may be determined in part by your employer. Things like your weekly hours and overall length of service may come into play. Alternatively, you may choose to purchase accident insurance independently as either a standalone policy or in addition to an existing dental, vision or critical illness policy. Just keep in mind that some insurers may reduce your accident insurance benefits as you age. END