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Help secure your family’s future

Provide 24-7 around-the-clock protection for you and your family in the event of an accidental bodily injury that results in death or the loss of hand, feet, eyesight, hearing and much more.

Eligibility Requirements

The Personal Accident Insurance is available to active and retired federal employees. You can enroll just yourself or you and your family. No health statement is required.

Active Federal Employee Retired Federal Employee
Qualifications needed at the time of enrollment Qualifications needed at the time of enrollment
  • Resides in the U.S.
  • Permanent full-time or part-time status
  • On active pay and duty status
  • Resides in the U.S.

Issued by The Prudential Insurance Company of America

Personal Accident Insurance

Summary of Benefits
Eligibility Requirements
Choose the amount and level of coverage that is right for you:

– $10,000 to $500,000

– Member only or Member and Family

Death Benefit Payable for Family Coverage:

  • Member, Spouse and Children:
    Member Death: 100% of Coverage Amount
    Spouse Death: 50% of Member Coverage Amount
    Child Death: 15% of Member Coverage Amount to maximum $50,000 per child
  • Member and Spouse:
    Member Death: 100% of Coverage Amount
    Spouse Death: 60% of Member Coverage Amount
  • Member and Children:
    Member Death: 100% of Coverage Amount
    Child Death: 20% of Member Coverage Amount to maximum $50,000 per child

Add Family Coverage:

Help protect your entire family including your spouse and unmarried children under age 26

Additional Benefits:

  • Safe Driver – additional benefit, 10% to maximum $30,000, paid if you die due to an auto accident and you were wearing a seat belt and an airbag was deployed.
  • Education – a benefit paid following your death for your dependent who is enrolled as a full-time student in an accredited post-secondary institution of higher learning beyond grade 12 within 365 days following your death, maximum $5,000 per year for 4 years.
  • Child Care – if you die as a result of a covered accident, this benefit will provide for child care expenses of a covered dependent child, under age 13. The annual benefit is 5% of the coverage amount to maximum $5,000 per year for up to 4 years.
  • See the other benefits described in the Certificate/Summary Plan Description provided at no additional cost.

Plan Benefits

Available Coverage Amounts

You can select from $10,000 to $500,000.

Add Family Coverage

Cover your spouse and unmarried children up to age 26.

Additional Benefits

Safe Driver, Education, Child Care, and other benefits included at no additional cost.

Permanent Coverage

You can continue this plan, even if you change agencies, retire, or leave your federal employment.

Premiums

– Biweekly premium
– Monthly premium

Resource Center

This coverage is not health insurance coverage (often referred to as “Major Medical Coverage”).

Group Insurance coverages are issued by The Prudential Insurance Company of America, a Prudential Financial company, Newark, NJ. The Booklet-Certificate contains all details, including any policy exclusions, limitations, and restrictions, which may apply. Contract Series: 83500

This policy provides ACCIDENT insurance only. It does NOT provide basic hospital, basic medical, or major medical insurance as defined by the New York State Department of Financial Services.

IMPORTANT NOTICE – THIS POLICY DOES NOT PROVIDE COVERAGE FOR SICKNESS.

THIS IS AN EXCEPTED BENEFITS POLICY. IT PROVIDES COVERAGE ONLY FOR THE LIMITED BENEFITS OR SERVICES SPECIFIED IN THE POLICY.

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