How It Works
Accidents are just that — accidents. You can't plan for them. But you can protect yourself financially as much as possible.
The Aetna Accident Plan helps to fill financial gaps caused by expenses related to an injury caused by a covered accident. Cash benefits are paid directly to you, no matter what is covered by your medical plan or any other insurance. Choose either the High or Low plan option that best suits your personal needs (payout differences and premiums will vary between the plans). Benefits are paid for:
Your plan also includes an Organized Sports benefit that pays an addition 25% if you are injured while participating as a registered member of an organized sporting activity. Benefits can be used to pay expenses like coinsurance, deductibles, or everyday expenses like mortgage payments, childcare, or groceries. It’s up to you. See the attached benefit summary for details of coverage, including limitations and exclusions. You can enroll yourself, yourself and child(ren), yourself and spouse, or your family in this plan.
Please review the benefit summary under Learn More for a complete list of covered accidents and injuries and the payout differences between the High and Low plans. Both plans cover accidents like burns, lacerations and fractures. You can also learn more by visiting aetnaresource.com/n/Henkel.
After you become a member, you’ll enjoy an Aetna Simplified Claims ExperienceTM on the My Aetna Supplemental app, or on our member portal at Myaetnasupplemental.com. Filing claims is easy; just answer a few short questions online. You can also view your coverage and sign up for direct deposit. If you’re also an Aetna Medical plan member, our system retrieves medical information needed to process your claim. That’s less paperwork for you. Don’t have Aetna Medical? No problem, just upload or take a picture of your medical bill. You can also print and mail a paper claim form to Aetna Voluntary Plans.
NOTE: When you enroll, you are enrolling for the full plan year and must remain in the plan until the next annual enrollment period.
To enroll as a new hire or during Open Enrollment, visit www.ybr.com/henkel or call the number below:
| Phone 1-866-795-4268 |
| Hours M-F 9a-6p ET |
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| Email employerbenefitsinquiries.service@mercer.com |
Answers about the plan, including eligibility, options, enrollment, customer service and more.
How do I file a claim?
Go to myaetnasupplemental.com and either “Log In” or “Register”, depending on if you’ve set up your account. Click the “Create a new claim” button and answer a few quick questions. You can even save your claim to finish later. You can also print/mail in form(s) to: Aetna Voluntary Plans, PO Box 14079, Lexington, KY 40512- 4079, or you can ask us to mail you a printed form.
If you require language assistance, please call Member Services at 1-800-607-3366 and an Aetna representative will connect you with an interpreter. If you’re deaf or hard of hearing, use your TTY and dial 711 for the Telecommunications Relay Service. Once connected, please enter or provide the Aetna telephone number you’re calling.
Si usted necesita asistencia lingüística, por favor llame al Servicios al Miembro a 1-800-607-3366, y un representante de Aetna le conectará con un intérprete. Si usted es sordo o tiene problemas de audición, use su TTY y marcar 711 para el Servicio de Retransmisión de Telecomunicaciones (TRS). Una vez conectado, por favor entrar o proporcionar el número de teléfono de Aetna que está llamando.
How can this help me?
Most families don’t budget for the costs associated with accidents. If an accident does occur, the last thing on your mind is the charges accumulating while at the emergency room:
These costs can add up fast. Most families have medical insurance that will cover a majority of the expenses. But most medical insurance plans have deductibles and co-insurance you will need to pay out of your pocket. But, what about the out-of-pocket medical expenses, such as lost wages you or spouse/domestic partner loses when out of work or staying home to care for an injured family member? You hope that an accident never happens, but at some point you very well may take a trip to your local emergency room. If that time comes, wouldn’t it be nice to have an insurance plan that pays you a benefit regardless of any other insurance you have? This plan does just that, providing a cash benefit to cover the costs associated with unexpected covered accidents.
Who is eligible?
When can I enroll?
What if my employment status changes?
Will my rates increase as I get older or if I file a claim?
Will I have to take a medical exam to get this coverage?
What types of accidents and injuries am I covered for?
Once you’re enrolled in this coverage, you’ll collect benefits for a variety of events related to a covered accident, including
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You’ll also receive a lump-sum payment when you have these medical services/treatments related to a covered accident:
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These form(s) are in Adobe Acrobat Reader (PDF) format and are available for downloading and printing.
| Benefit Summary |