Accident Insurance

Accident Insurance  


Even when you live well, accidents happen. Treatment can be vital to recovery, but it can also be expensive. And if an accident keeps you away from work during recovery, the financial worries can grow quickly.


Most major medical insurance plans only pay a portion of the bills. Our coverage can help pick up where other insurance leaves off and provide cash to help cover the expenses.


With accident insurance from Allstate Benefits, you can gain the advantage of financial protection, thanks to the cash benefits paid directly to you. You also gain the financial empowerment to seek the treatment needed to get well.


Add accident insurance coverage to help offset costs that may not be covered under your employer's existing medical plan.


To enroll, contact the Henkel Benefit Admin System or call the number below:

How It Works

Contact Us

Mercer Voluntary Benefits
12421 Meredith Drive
Urbandale, IA 50398
 M-F 9a-6p ET


Answers about the plan, including eligibility, options, enrollment, customer service and more.

  • How much is the Premium Cost for Accident Insurance?

    Monthly Rates are as follows for all members:
    Member $7.75
    Member and Child(ren) $22.83 
    Member and Spouse $18.76 
    Member, Spouse and Child(ren) $29.98 
    Premiums are paid conveniently through payroll deduction.
  • Is Accident Insurance a portable benefit?

    If a member loses eligibility for this insurance for any reason other than nonpayment of premiums, insurance can be continued by paying premiums directly to Allstate Benefits within 31 days after termination. Allstate Benefits will bill the member directly once we receive notification to continue benefits.

  • Who can be insured?

    You, your spouse and your children can be insured all through payroll deduction. Help protect yourself, your spouse and your eligible dependents. Issue ages for members and spouses are 18 through 64. Eligible children can have coverage through age 25.
  • Who is eligible for Accident Insurance?

    • You—all active employees working 30+ hours per week
    • Your spouse*coverage is available only if Employee coverage is elected
    • Your child(ren)—to age 26. Coverage is available only if Employee coverage is elected


    *The use of “spouse” in this document means a person insured as a spouse as described in the certificate of insurance or rider. This may include domestic partners or civil union partners as defined by the group policy. Please contact your employer for more information.

  • How do I file a claim?

    Please submit a claim on MyBenefits, by fax or by mail. You can download the claims form here and find more information about MyBenefits here.


    For questions regarding policy benefits or supporting documentation or for claim assistance, please call Allstate Benefits' Customer Care Center at 1-800-521-3535, Monday through Friday 8:00 am to 8:00 pm ET.


The Accident, Critical Illness, and Indemnity Medical Insurance coverage is provided by policy forms GVAP6, GVCIP2, and GVSP2, or state variations thereof. This is a brief overview of the benefits available. Details of the coverage, including exclusions and other limitations are included in the certificates issued.

Allstate Benefits is the marketing name used by American Heritage Life Insurance Company (Home Office, Jacksonville, FL), a subsidiary of The Allstate Corporation. 

Mercer's Role & Compensation

Details of Mercer disclosure of the compensation.