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Accident, Disability, and Cancer Insurance

(optional coverage paid by employee)


Meridian Airport Authority understands everyone's insurance needs are different. We provide the option of selecting voluntary coverage for accident, disability, and/or cancer through Colonial Life®


When an accident happens, the last thing you want to think about is how you’re going to pay the bills. Accident insurance helps you pay for the medical and out-of-pocket costs that you may have after an accidental injury. Based on your policy, this can include emergency treatment, hospital stays, medical exams, and other expenses like transportation and lodging. 

Accident insurance policies can provide you with a lump sum paid directly to you that will help pay for a wide range of situations, including initial care, surgery, transportation and lodging, and follow-up care. Here’s how it works:

  • A set amount is payable based on the injury you suffer and the treatment you receive.

  • Benefits are payable directly to you (unless you specify otherwise) and can be used as you see fit.

  • Coverage is available for you, your spouse, and eligible dependent children.

  • You do not need to answer medical questions or have a physical exam to get basic coverage.

  • Accident insurance covers injuries that happen on the job or off the job, unlike workers’ compensation, which only covers on-the-job injuries.

  • Benefit payments are not reduced by any other insurance you may have with other companies.

Costs, eligibility, and waiting periods before benefits are disbursed vary, so talk with your Colonial Life benefits counselor to learn more.

Accident Policy Benefits



You have insurance for your house, car, and health, but if you're like many Americans, you probably don't have insurance for the one thing that pays those bills: your income. If an accident or illness prevented you from working, could you still cover your everyday expenses?

Disability insurance makes this question easy to answer. It can help protect your way of life and maintain your lifestyle if a physician determines you're unable to work due to a covered accident or illness.

Many people forgo disability insurance because they don't think they'll ever need it. However, over 90% of disabilities are caused by common illness or conditions,1 such as:

  • Pregnancy and childbirth

  • Back and joint disorders

  • Accidents and fractures

  • Cancer

  • Heart attacks and strokes

When you're unable to earn an income because of an illness or accident, your paycheck stops, but expenses continue. With Colonial Life, you can focus on your health and recovery –  not on paying bills.

Disability Policy Information


Most of us don't expect to face a serious illness like cancer. However, statistics show 1 in 2 men and 1 in 3 women develop cancer in their lifetime. Some look to family history to determine risk, but that often doesn't tell the whole story. While heredity and environmental factors can play a role, inherited genetic factors impact only about 5-10% of all cancers.

Fortunately, more people are surviving cancer thanks to early detection and more aggressive treatments. If you're diagnosed with cancer, you may find that your medical insurance doesn't cover everything. In addition to your day-to-day bills, you could incur costs for treatment and recovery, such as:

  • Deductibles and co-pays

  • Out-of-network treatment

  • Travel, lodging and meals during treatment

  • Child care

  • Home health services

The need to scale back on work or take a leave of absence during treatment and recovery only adds to the stress. That's where supplemental cancer insurance helps. It assists with protecting you from financial hardship in the face of mounting cancer expenses.

Cancer Benefits

Cancer Insurance Wellness Benefits

Outline of Coverage

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