The Accident Plan, administered by Securian Financial, provides a cash benefit paid directly to you to help cover out-of-pocket expenses regardless of health insurance coverage. This plan does not disqualify you from high deductible health plan (HDHP) or traditional medical coverage.


The Accident Plan is available to state employees. Local employees: Contact your employer to see if this benefit is available to you or visit the Local Employers Supplemental Options page. Retirees cannot enroll in this benefit.

If you are enrolled in the Accident Plan, you may keep coverage after you leave state employment or retire. View the Portability Form for additional details.


You may be used to insurance companies paying your claims automatically. The Accident Plan works differently. To get cash for your expenses, you must file a claim. See How to File a Voluntary Claim to learn about the process. If you're familiar with process, go to Securian Financial’s Benefit Service Center to file or view an existing claim.

What's New in 2023

Beginning January 1, 2023, cash payment amounts for most claims will increase. 

New benefits covered for 2023: 

  • Day care allowance
  • Home or vehicle modification allowance
  • Outpatient rehabilitation therapy
  • Inpatient rehabilitation therapy
  • Traumatic brain injury
  • Surgical anesthesia
  • Joint replacements
  • Post-traumatic stress disorder
  • Family support care