Accident Insurance

About Our Federal Employee Accident Insurance

Accidents happen. You may not be able to prevent them, but now you can be financially protected with Starr Wright USA’s Accidental Death & Dismemberment Insurance designed for federal employees.

We have worked with our affiliate Starr Indemnity & Liability Company to develop an accident insurance program to fit the needs of federal employees. Starr Wright USA enables you to choose the level of coverage to fit your needs at affordable rates. We offer coverage for accidental death and accidental dismemberment with an added benefit for covered exposure and covered disappearance. Accident insurance coverage is also available for your spouse and/or children from Starr Wright USA.

These are individually-issued policies, so your coverage is portable. You can keep it even if you change jobs or retire (as long as you pay premiums when due and meet all other requirements of the policy). Starr Indemnity & Liability Company is an “A” rated insurance company by A.M. Best Company.

What is Accident Insurance?

The purpose of accident insurance is to provide you or your family with a lump-sum payment following a qualifying accident, such as a fall, traffic incident or homicide. In comparison to traditional life insurance, accident insurance is a limited form, as coverage terminates at a designated age — our accident insurance for federal employees, for example, concludes at 85 years of age.

Many types of accident insurances are available, including our federal employee accident insurance, which provides coverage for accidental death and dismemberment (AD&D). Per the terms of AD&D, our federal employee accident insurance policies deliver payment to either you or your beneficiary, depending on whether the incident led to death or dismemberment.

Like many accident insurance policies, losses or deaths caused by select factors, such as the following, do not receive coverage:

  • War or while on active military duty
  • Racing or endurance testing
  • Suicide or intentional self-inflicted injury
  • Intoxication or driving while intoxicated
  • And more

If your government career tends to pose risks to your safety, federal employee accident insurance could serve as a valuable asset to you and your family.

Why do I need Accident Insurance?

Today, accidental death is the fourth leading cause of death in the U.S., following heart disease, cancer and chronic lower respiratory diseases. The rise in accidental deaths — it was once the fifth leading cause of death, versus fourth — emphasize the growing importance of accident insurance for employees in high-risk, high-stress careers, such as federal government.

For families, accident insurance for federal employees can provide additional support following a death or dismemberment, in coordination with your life or disability insurance. Together, the funds can help you, and your loved one, cover your living expenses, as well as limit the stress that often comes when out of work due to a life-changing injury. In the case of your passing, your federal employee accident insurance can give your family crucial funds for expenses and more.

Because our federal employee accident insurance policy arrives with low, affordable monthly premiums — as low as $6.30 per month — it's often a beneficial use of your funds. In many cases, it's difficult to prepare for the future or predict potential accidents, but our accident insurance policies for federal employees let you and your family plan for the unexpected.

Why buy from Starr Wright USA?

Our accident insurance for federal employees, as well as our company policies, offers several benefits, including:

  • Value: Our accident coverage can be carried into your retirement, unlike that included in the FEGLI plans.
  • Experience: We apply more than 100 years of experience to build the best accident insurance for federal employees. By compiling teams of former federal employees, plus military veterans, we develop policies that match you and your family's needs. We also use our expertise to make the process of applying for a plan and submitting a claim hassle-free.
  • Affordable: We provide low-cost monthly premiums that give you and your family peace of mind. For $100,000 of coverage, our premiums begin at $6.30 and conclude at $12.30, which is our family rate. For $250,000 of coverage, your monthly premium starts at $15.75 for individual coverage and ends at $30.75 for family coverage. If you live in Washington, Colorado or North Dakota, premiums are lower for all segments.
  • Supportive: We deliver comprehensive support for all our insurance plans, from federal employee accident insurance to federal employee travel insurance. Whenever you call or contact our customer support team, you can expect live answering and knowledgeable assistance. That leads to a positive, streamlined experience that optimizes your time.

Another significant advantage of our accident insurance policy for federal employees is that it removes the middleman, giving you a better value and experience.

Important Notice

The Plan provides accident insurance only. It does not provide basic hospital, basic medical, major medical or sickness coverage. This is only a brief description of the coverage(s) available under policy form AH-45001 and its state variations. The policy will contain reductions, limitations, exclusions, and termination provisions. Full details of the coverage are contained in the policy. If there are any conflicts or discrepancies between this document and the policy or if any point is not covered in this document, the terms and conditions of the policy shall govern.

Premiums are based on the amount of benefit selected and the plan, individual or family, selected. Benefits will be reduced at age 70 and above and coverage will terminate at age 85.

The policy is administered by Starr Wright Insurance Agency, Inc., an insurance administrator licensed in the District of Columbia, license No. 3076489. Some coverage is underwritten by Starr Indemnity & Liability Company, an admitted insurer rated “A” (Excellent) by A.M. Best Company. Starr Indemnity & Liability Company, a Texas insurance company, has its principal place of business at 399 Park Avenue, New York, New York 10022. It is currently authorized to transact business in all states, the District of Columbia and Puerto Rico. NAIC No. 38318.

Start Now with Federal Employee Accident Insurance

At Starr Wright USA, we've become a respected provider of today's best federal employee accident insurance policies. With more than 100 years of history, as well as a leadership team of military veterans and former federal employees, we've established federal employee accident insurance packages that meet the needs of staff from a variety of agencies. That's why numerous federal employee organizations, including the Federal Employees Benefit Association (FEBA), endorse Starr Wright USA.

Begin your application today for a federal employee accident insurance policy, or contact our staff to learn more about our accident indemnity for federal employees.

Coverage

The Policy provides limited benefits for accidental death and dismemberment only. It does not provide basic hospital, basic medical, major medical or sickness coverage. It is not a Medicare Supplement policy.

The amount of benefits and premiums will depend upon the plan selected. If family coverage is selected, spousal coverage will be 75% of the primary insured’s amount and dependent coverage will be 10% of the primary insured’s amount. The benefit for the primary insured will be reduced to 65% at ages 70 – 74, 45% at ages 75 – 79 and 30% at ages 80 – 84. Coverage terminates at age 85.

The Policy does not cover loss caused or contributed by: sickness; intentionally self-inflicted injury, suicide or attempted suicide; war or while on active military duty; while on any aircraft as a pilot, crew member, student pilot, flight instructor, being used for tests, experimental purposes, stunt flying, racing or endurance testing or on any aircraft except a civil, public or military transport aircraft; while taking drugs unless prescribed or administered by a physician; while riding or driving in a scheduled race or testing a motor vehicle on tracks, speedways or proving grounds; while committing or attempting to commit a felony; while intoxicated or driving while intoxicated.

The Policy is guaranteed renewable until the termination age. The terms of the policy cannot be changed except that, in the future, there may be a premium increase.

Premiums

Premiums are $6.30 per month for $100,000 of individual coverage, $11.10 per month for an individual and spouse, and $12.30 per month for a family. Monthly premiums for $250,000 of coverage are $15.75 for an individual, $27.75 for an individual and spouse, and $30.75 for a family.

For Policies issued in Colorado, South Dakota and Washington:

Premiums are $5.50 per month for $100,000 of individual coverage, $9.60 per month for an individual and spouse, and $10.70 per month for a family. Monthly premiums for $250,000 of coverage are $13.75 for an individual, $24.00 for an individual and spouse, and $26.75 for a family.