Accident Coverage

Help protect yourself against the unexpected with affordable Accident insurance as a benefit of your membership.



Life can be unpredictable, but your financial future shouldn’t be. Accident insurance offered through your IPSE membership is issued by The Prudential Insurance Company of America, a company that has stood the test of time for more than 140 years.

Apply † for coverage and you can be prepared for unplanned financial risks that come with serious injuries and death.

Disabling Incidents

Every 7 seconds a disabling injury is caused by a motor vehicle crash.

Income Protection

1 in 5 of Americans visit the ER at least once a year.

Are you Prepared?

63% of people don’t have a deep enough fund to cover a $500 emergency



Reliable coverage for the unexpected is now possible with Accident insurance you can take with you from job to job, as long as you remain a member.

Apply today and enjoy exclusive rates only available to IPSE members.

Image by Dvir Adler



Plan Details

IPSE members have the option to select the level of coverage that meets their needs and a premium amount that they can afford. Benefit amounts for Members, Spouses/Domestic partners, and Children are the same with no proof of good health.


All active Members, under age 70, and their qualified dependents must be participating in a medical plan to be eligible for accident insurance. Spouse/Domestic partners are qualified through age 80, and children are qualified through age 25.


Member coverage ends when the Member is no longer part of an eligible class, reaches age 80, dies, or stops making contributions. Dependent coverage for qualified dependents ends when any dependent ceases to be a qualified dependent, when the Spouse/DP reaches age 65, or when the Member coverage ends.


The Prudential Insurance Company of America has developed a streamlined, easy-to-understand claims experience. There is no need to undergo treatment or provide proof of any expenses incurred. This can help you get paid faster.


Accident Insurance pays a benefit for an injury resulting directly from an accident. Our approach strives to be convenient and beneficial, offering monthly and annual coverage amounts that are affordable.

Coverage and Monthly Premium

Member Only $5.96

Member and Spouse $9.20

Member and Dependent Child(ren) $11.13

Family $17.08

Schedule of Benefits

IPSE Accident Insurance pays a benefit amount that you can use for any purpose, including help with some of the co-pays, co-insurance, or other out-of-pocket medical expenses and non-medical expenses. The chart below illustrates the plan highlights and their respective coverage amount.

Type of Loss and Benefit Amount

Broken Tooth

Broken or chipped tooth (with no exposed dentine) $50

Broken tooth (with exposed dentine) $200



Burn (2nd degree), less than 40 square centimeters of the body surface $500

Burn (2nd degree), at least 40 but less than 100 square centimeters of the body surface $800

Burn (2nd degree), at least 100 but less than 300 square centimeters of the body surface $1,000

Burn (2nd degree), at least 300 square centimeters of the body surface $1,200

Burn (3rd degree), less than 40 square centimeters of the body surface $2,000

Burn (3rd degree), at least 40 but less than 100 square centimeters of the body surface $3,000

Burn (3rd degree), at least 100 but less than 300 square centimeters of the body surface $4,000

Burn (3rd degree), at least 300 square centimeters of the body surface $5,000


Coma $10,000



Concussion (with no loss of consciousness) $150

Concussion (with loss of consciousness) $300



Dislocation, lower jaw $600

Dislocation, spine $1,500

Dislocation, collar bone $600

Dislocation, shoulder joint $600

Dislocation, elbow $500

Dislocation, wrist $500

Dislocation, hand except fingers $500

Dislocation, finger $75

Dislocation, hip $2,000

Dislocation, rib $500

Dislocation, knee $600

Dislocation, ankle $600

Dislocation, foot except toes $600

Dislocation, toe $75

Dislocation, partial 35%

Eye Injury $300



Fracture, skull (simple non-depressed) $800

Fracture, skull (depressed) $1,500

Fracture, facial bone including nose except upper or lower jaw $600

Fracture, upper jaw $600

Fracture, lower jaw $600

Fracture, spine (vertebral processes) $1,000

Fracture, spine (vertebral body except vertebral processes) $1,250

Fracture, collar bone $600

Fracture, shoulder blade $600

Fracture, breast bone $1,250

Fracture, rib $400

Fracture, pelvis except tailbone $1,250

Fracture, tailbone $300

Fracture, upper arm $500

Fracture, forearm $500

Fracture, wrist $500

Fracture, hand except fingers $500

Fracture, finger $75

Fracture, hip or thigh or both $2,000

Fracture, kneecap $600

Fracture, leg except thigh $1,000

Fracture, ankle $600

Fracture, foot except toes $600

Fracture, toe $75

Fracture, chip $65


Hernia, femoral $150

Hernia, inguinal $150

Herniated disc $500



Lacerations, total is less than 5 centimeters long $100

Lacerations, total is at least 5 but less than 15 centimeters long $300

Lacerations, total is at least 15 centimeters long $600



Paralysis, four limbs $15,000

Paralysis, three limbs $12,000

Paralysis, two limbs $8,000

Paralysis, one limb $4,000

Ruptured Disc $500



Tear, cartilage $600

Tear, ligament $600

Tear, rotator cuff $600

Tear, tendon $600



Initial Day of at least 24 Hours $1,000

Hospital Room Stay <24 Hours $125

Hospital Inpatient $200


Transportation $100

Lodging $60

1. Centers for Disease Control and Prevention, National Center for Health Statistics, Oct. 12, 2015.

2. National Safety Council, Injury Facts, 2015 Ed.

3. McGrath, Maggie, “63% of Americans Don’t Have Enough Savings to Cover a $500 Emergency,” 2016.

† Coverage is not guaranteed and subject to proof of good health.

*IPSE-US Group Accident Insurance coverage is not available in; Alaska, Arkansas, Idaho, Louisiana, Maine, Minnesota, Missouri, New Hampshire, North Carolina, Oregon, South Dakota, Utah, Vermont, Washington, West Virginia, and are not included as a member benefit at any membership level.

This coverage is not health insurance coverage (often referred to as “Major Medical Coverage”).

This type of plan is NOT considered “minimum essential coverage” under the Affordable Care Act and therefore does NOT satisfy the individual mandate that you have health insurance coverage. If you do not have other health insurance coverage, you may be subject to a federal tax penalty.

This policy provides ACCIDENT insurance only. It does NOT provide basic hospital, basic medical, or major medical insurance as defined by the New York State Department of Financial Services.


IPSE-US Group Accident Insurance coverage is a limited benefit policy issued to IPSE-US by The Prudential Insurance Company of America, a Prudential Financial company, Newark, NJ and distributed by iWorker Innovations, LLC, a Delaware limited liability company. iWorker Innovations, LLC is a subsidiary of iW Holdings, LLC. Prudential Workplace Solutions Groups Services, LLC owns a minority non-controlling interest in iWorker Holdings, LLC. The Prudential Insurance Company of America and Prudential Workplace Solutions Group Services, LLC are businesses of Prudential Financial, Inc. Each company is solely responsible for its own financial condition and contractual obligations. Prudential's Accident Insurance is not a substitute for medical coverage that provides benefits for medical treatment, including hospital, surgical, and medical expenses, and it does not provide reimbursement for such expenses. The Booklet-Certificate contains all details, including any policy exclusions, limitations, and restrictions, which may apply. If there is a discrepancy between this document and the Booklet-Certificate/Group Contract issued by The Prudential Insurance Company of America, the Group Contract will govern. Please contact Prudential for more information. Contract provisions may vary by state. Contract Series: 83500.

© 2019 Prudential Financial, Inc. and its related entities