Skip to content

Accident Insurance

Accident insurance and critical illness insurance provide dentists and their employees with cash benefits if they sustain an accidental injury or are diagnosed with a critical illness. Plans for groups or individuals are available. The group plan is through Allstate and is offered at great rates to MDA members and their employees working a minimum of 20 hours per week. Several levels of coverage are available in each plan:

  • $20,000 or $40,000 for Accident Insurance 24-hour protection
  • $10,000 or $20,000 for Critical Illness Insurance
  • $40,000 or $60,000 benefit options for Off-the-Job Accident Insurance

Life Secure Personal Accident Insurance

Another option is the Life Secure Personal Accident Policy, which allow you to purchase a bank of accident benefits. If you sustain an accidental injury, simply submit your explanation of benefits form and receive reimbursement for up to the full amount of your benefit bank, less any deductible that may apply.

Life Secure rate sheet

Personal Accident Brochure


Why Accident/Critical Illness Insurance Makes Sense

Most health insurance plans today are high-deductible plans. This exposes you thousands of dollars in out-of-pocket costs before your health insurance pays any benefit. Purchasing accident or critical illness insruance can be a form of re-insuring you against those high out-of-pocket obligations. If you are diagnosed with a covered critical illness, or sustain an accidental injury, these insurance policies will pay benefits that then can be used to pay your health plan deductible. The cost for accident and critical illness insurance is low.

To learn more about how you can cut your out-of-pocket expenses by buying these voluntary insurance plans call 877.906.9924 to speak with one of our agents.

Get the Enrollment Form ›

Why Buy Voluntary Insurance?

In today's economic climate, it is more important than ever to have several financial safeguards in place. Our voluntary insurance plans allow individuals to receive cash compensation when accidents and critical illnesses occur. These benefits can offset out-of-pocket costs associated with emergency medical treatment.

MDA Insurance brings you Group Voluntary Accident and Critical Illness insurance plans, in part, to give you flexibility to select a health insurance plan with a lower premium and a higher deductible.



Learn more about how Allstate Benefits voluntary accident and critical illness inurance can help you in a time of need. Just click on the links below.

View the accident insurance video.

View the critical illness insurance video.

Helpful Forms

Use the form below to submit a claim for the $25 office visit reimbursement. Complete only the first page and sign the form.

Office Visit Claim Form

Accident Claim Form

Critical Illness Claim Form

Accident Beneficiary Change Form