Accident Insurance

Accident Insurance overview

Accident insurance is a supplemental health product that may provide benefits if you or your dependent suffers a covered injury. This coverage provides you a lump sum cash benefit to help manage unexpected expenses. How you spend it is completely up to you – from everyday bills or childcare.

• Accident coverage through Lincoln Financial is 24-hour coverage, providing increased coverage and claim payment opportunities at all times, even while at work.
• There is no annual injury plan maximum through Lincoln Financial, meaning the number of claims that can be submitted are limitless.
• A $50 annual Wellness Benefit for a qualified health screening is included* simply for having a routine health screening that can help pay for the cost of this coverage.
• Additional Benefit riders:
  • Child Sports Rider – increases the payable injury benefit by an additional 25%
  • Moving Vehicle Rider – pays benefits for accidents involving a motor vehicle or other non-motorized equipment in addition to any other injury or death benefit on the plan

How to make a claim

If you experience a covered accident, follow the six simple steps to submit your claim through Lincoln’s self-service benefits website:

1. Log in to LincolnFinancial.com. First-time users need to register. See instructions below for first-time user registration:
   • Select Register on the top right of the page.
   • Choose the Register now button for individuals.
   • Enter the requested information.
   • Validate your identity and create a username and password.
   • Select Log in Now.
2. Select Accident coverage to proceed with filing your claim.
3. Navigate to the claims section of the portal and select Submit a claim.
4. Answer the questions that appear, and upload requested supporting documentation.
5. Confirm your submission.
6. Check the status of your claim online anytime at LincolnFinancial.com.

Other ways to submit a claim:

• Online: Through secure messaging on the self-service portal
• Email: FileClaim@LFG.com
• Fax: 888-735-7636
• Mail: The Lincoln National Life Insurance Company P.O. Box 2609 Omaha, NE 68103

Lincoln Financial Customer Service Representatives will be available to answer questions at any time throughout the claims process.

How much does this benefit cost in 2025?

How to make the most of this benefit

• This benefit complements the Health Savings Account (HSA), as you can use it to pay for covered out-of-pocket expenses before using your HSA.
• If you need emotional support or counseling following an accidental injury, the Employee Assistance Program is available to you 24/7.
• Change your coverage at any time during the year if you have a relevant and qualified change in family status (e.g. you get married and want to add your spouse) – update your elections in Workday.