Voluntary Products – Accident & Critical Illness

Help protect your savings from potentially high out-of-pocket expenses due to a serious illness or injury. Accident and Critical Illness Insurance coverages can help you pay for costs that can really add up and eat into your savings.

What is Accident Insurance?

Accident Insurance pays a lump sum benefit directly to the insured, in the event of a covered accidental injury.
Even though the benefit can be used for any reason, including medical expenses, it’s important to point out that Accident Insurance is NOT comprehensive medical insurance.

Why you may need Accident Insurance

Accident Insurance can help you financially prepare for out-of-pocket expenses you may face if you or a family member suffers an accidental injury.  And that’s important when you consider that one out of every eight Americans visit the ER each year. 

Even with comprehensive medical or disability income insurance, an accidental injury could negatively impact your finances. In fact, the cost of a broken leg is $10,000 or more on average, when you factor in lost wages, transportation, copays, deductibles, and medicine.  

What is Critical Illness Insurance?

Critical Illness Insurance pays a lump-sum benefit amount, directly to the insured, upon diagnosis of a covered condition. Covered conditions include:

  • Invasive Cancer
  • Heart attack
  • Stroke
  • Major organ failure
  • Renal failure
  • Alzheimer's disease

The benefit can be used for any purpose, including to help pay for any out-of-pocket expenses, and you do not have to account for how you spend the benefit. 

Critical Illness Insurance is NOT a comprehensive medical insurance or disability insurance plan. This coverage does not replace those plans or pay benefits in the same way.

Why you may need Critical Illness Insurance

Critical Illness Insurance can help you financially prepare for out-of-pocket expenses you may face if you or a family member is diagnosed with a serious illness. 

This is important because 62 percent of bankruptcies are based on a medical event.

Benefit Accident Critical Illness

Cash payment for injuries, treatments and loss due to an accident. Payment varies by accident.

Cash payment when person is diagnosed with a critical illness for the first time.

  • Per Accident Limit - $50k

  • Annual Limit - $100k

  • Lifetime Limit - $200k
  • Employee – Increments of $10k up to $100k

  • Spouse – Increments of $5k up to $50k

  • Children – Increments of $5k up to $15k
  • Employees who are FT working at least 30 hours per week and participate in a medical plan

  • Spouse

  • Children
  • Employees who are FT or PT working at least 20 hours per week and participate in a medical plan

  • Spouse

  • Children
Waiting Period



  • Burns

  • Coma

  • Concussion

  • Fracture

  • Hospital Stay

100% payment

  • Heart Attack
  • Cancer
  • Organ Failure
  • Stroke
  • Renal Failure
  • Alzheimer's disease

25% Payment

  • Coma
  • Coronary Artery Disease
  • Heart Valve Malfunction


Accident & Critical Illness Rates

Accident Rates

The rates below represent monthly costs and are 100 percent employee paid.

Rates by Tier Accident
EE Only $6.94
EE + Spouse $10.75
EE + Child(ren) $13.38
EE + Family $20.45

Critical Illness (rates per $1,000)

Age Employee Spouse Children
(under 26)
<25 y/o $0.106 $0.123 $0.092
25-29 y/o $0.138 $0.172  
30-34 y/o $0.202 $0.251  
35-39 y/o $0.317


40-44 y/o $0.537 $0.620  
45-49 y/o $0.914 $0.948  
50-54 y/o $1.449 $1.354  
55-59 y/o $2.175 $1.858  
60-64 y/o $3.268 $2.665  
65-69 y/o $4.696 $4.084  
70-74 y/o $6.691 $5.775  
75+ y/o $8.839 $7.899  


Accident Policy Outline

Illness Policy Outline


The information on this site is intended to summarize your 2021 Enable Midstream benefits. Not all plan provisions, limitations or exclusions are described in this publication. In case of a conflict between the information provided in this summary and the actual plan documents and insurance contracts, the plan documents and insurance contracts will govern. The plan sponsors have the right to change or terminate benefits at any time.

If you have questions about enrollment or your benefits, you can contact our HR Service Center at 844-687-4748 (844-OUR-HR4U) or