Back and head injuries top the list of holiday-time accident claims
COLUMBIA, S.C.--(BUSINESS WIRE)--
Climbing ladders to hang holiday decorations. Traveling on icy roads and
sidewalks. Sliding down snow-covered slopes and across frozen rinks. The
holiday season may be full of good cheer —but it’s also fraught
with opportunities for accidental injuries. And treating an unexpected
mishap can put a bigger pinch in your holiday budget than the Grinch
himself.
Back and head injuries are the most common cause of accident claims
during the holiday season, according to more than 120,000 such claims
received by Colonial
Life & Accident Insurance Company from October through January
over the past five years. Cuts, strains and broken bones round out the
list of the top five accident claims categories:
-
Back injury
-
Head injury
-
Arm or finger laceration
-
Ankle or leg sprain or strain
-
Arm or finger fracture
Health insurance helps pay for medical expenses related to an accident,
but today’s higher-deductible plans leave many people with sizeable
out-of-pocket expenses. They may also face other nonmedical expenses
related to an accident, such as lost income from not being able to work,
rehabilitation, travel to treatment or caregiver expenses. A voluntary
accident plan purchased at the workplace can help employees protect
themselves and their families from this financial exposure.
Voluntary accident insurance typically offers a wide range of coverage,
including:
-
Hospital admissions
-
Emergency treatment in an emergency room, doctor’s office and urgent
care visits
-
Surgery
-
Rehabilitation unit
-
Occupational therapy
-
Medical imaging study, X-rays
“Accidents can happen any time and anywhere – around the house, visiting
friends and family or while enjoying winter outdoor activities,” says
Steven Johnson, vice president for product development at Colonial Life.
“People who buy a voluntary accident plan don’t have to wait for their
health insurance plan to pay before they file a claim on their accident
plan. Policyholders who have a covered accident can have the plan’s
benefits paid directly to them to use any way they want.”
Learn more about accident insurance on Colonial
Life’s website or on Colonial Life’s benefits
learning center.
About Colonial Life
Colonial Life & Accident Insurance Company is a market leader in
providing financial protection benefits through the workplace, including
disability, life, accident, cancer, critical illness and hospital
confinement indemnity insurance. The company’s benefit services and
education, innovative enrollment technology and personal service support
more than 80,000 businesses and organizations, representing more than 3
million of America’s workers and their families. For more information
visit www.coloniallife.com
or connect with the company at www.facebook.com/coloniallifebenefits,
www.twitter.com/coloniallife
and www.linkedin.com/company/colonial-life.
Colonial Life & Accident Insurance Company
Jeanne Reynolds,
803-678-6274
jdreynolds@coloniallife.com
Source: Colonial Life & Accident Insurance Company