Can you imagine for a moment you are going about your day and Bam! By no fault of your own, you slipped on something, fell, and broke your arm. Now, the day is shot because you have to spend hours in the emergency room, lose a day’s pay, or several day’s pay depending on what you do for a living.
I have spoken to several people who were in a similar situation and had excellent insurance, which covered their accident, as well as their hospital bills. They had a small out of pocket expense to pay. However, they lost several day’s pay and still had bills to take care of. Luckily for them, they had accident insurance that paid a benefit directly to them. They were able to pay their out of pocket expenses and never missed a beat with their bills that were due at the time the accident occurred.
Many people have the misconception major medical will cover them totally for their accident. The accident insurance which I speak of here is a voluntary policy that pays a benefit for a covered accident directly to the policyholder. Meaning, you can use the money the accident benefit pays you as you see fit. Whether it will be for groceries, car payment, or a mortgage payment. It is simply up to the policyholder how they will use the benefit paid directly to them.
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