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.

How it Works

Here’s an example of how Securian Financial’s accident insurance works*: Janet elects accident coverage offered by her employer. Janet falls, breaks her leg, and spends two days in the hospital. Janet gets a payment from Securian Financial and uses the money to pay her mortgage and obtain a cleaning service.

*Your actual experience may vary from example


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.