
by Noelle Kauffman, Director of Sales
(CA License No: 0H45598)
Who Needs Accident Insurance?
More People Than You Think
The Club’s Accident Plan is completely portable, meaning if you leave your job for any reason, you can take your coverage with you and stay protected, wherever life takes you.
In a world full of uncertainties, one truth remains constant: accidents happen. From sprained ankles on the soccer field to unexpected falls at work, injuries can strike at any time and when they do, they often come with a hefty price tag. That is where accident insurance steps in, providing a financial cushion when life throws the unexpected your way.
Accident insurance pays out cash benefits for injuries resulting from a covered accident, regardless of your health insurance coverage. These funds can be used for anything from covering deductibles and copays to paying rent, mortgage, or even taking time off work.
According to experts, several key groups stand to benefit the most from this type of coverage:
Active Individuals and Athletes
Whether you hit the gym a few times a week, play pickup basketball on the weekends, or enjoy hiking, staying active comes with risk. Accident insurance can help cover treatment for sprains, fractures and other common injuries.
Parents with Young Children
Kids are famously accident-prone, and families often face surprise trips to urgent care or the ER. Accident insurance helps ease the financial burden of those unplanned visits.
Workers in High-Risk Jobs
Those in physically demanding professions such as manual labor, emergency response, or maintenance face a higher chance of workplace injuries. Accident insurance can help offset lost wages and medical bills.
People with High-Deductible Health Plans (HDHPs)
With healthcare costs on the rise, many opt for HDHPs to save on premiums. However, these plans mean higher out-of-pocket expenses. Accident insurance fills in the gap when injury strikes.
Frequent Travelers
Whether for business or leisure, travel increases your exposure to potential accidents. A slip on unfamiliar terrain or a minor crash abroad could end up costing more than expected.
Self-Employed and Gig Workers
Without traditional benefits like paid sick leave, independent workers are especially vulnerable to financial setbacks caused by accidents. A lump-sum payout can provide critical support.
Protect yourself today and protect your future.
Contact your Club Counselors to learn more and enroll in the Club’s Accident Plan:
(800) 464-0452 | info@employeesclub.com
Your Club Retirement Experts We’re here to serve you!
Update your benefits and get all of your questions answered by booking a one on
one or group presentation appointment with your colleagues at your job site.
Email help@employeesclub.com to request a Counselor visit today!
Resources for Club Retirees or Those About to Retire
2025 EventsLARFPA June 4 Annual Picnic LADWP Retirees Association Reservation information: |
Contact InformationClub Retirees Dedicated Helpline: LA City Employees’ Retirement System (LACERS) (City Dept.) LADWP Retirees Association Fire and Police Pensions (City Dept.) LA Retired Fire and Police Association (LARFPA) Retired Los Angeles City Employees, Inc. (RLACEI) |