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    • Home
    • Benefits
      • Life with Living Benefits
      • Disability
      • Accident
      • Critical Illness
    • Contact Us
  • Home
  • Benefits
    • Life with Living Benefits
    • Disability
    • Accident
    • Critical Illness
  • Contact Us

Accident Insurance

Accident insurance helps protect your finances when an unexpected injury happens. It pays you directly (not your healthcare provider), so you can use the money however you need — for medical bills, household expenses, childcare, transportation, or even lost income.

Covered Injuries

  • Fractures and dislocations
  • Burns and lacerations
  • Concussions
  • Torn ligaments
  • Emergency room and ambulance visits
  • Hospital confinement or ICU stays
  • Accidental death or loss of limb

Much more...

Case Study:

Jessica, a 34-year-old marketing professional, slips while walking her dog and fractures her leg. She’s taken by ambulance to the emergency room, where she receives X-rays, a cast, and a follow-up orthopedic visit. She misses two weeks of work.  

Jessica has an accident insurance policy through her union. After she files a claim, her plan pays:

  • $200 for the ambulance ride
  • $200 for the ER visit
  • $1,000 for the fracture
  • $35 for follow-up care
  • $150 for medical appliances (crutches)
  • $175 for physical therapy ($35 a visit max-5 visits)


 Total benefit paid: $1,610

Contact Us

Benefits Administered by: M3 Technology, LLC
90 Matawan Road, Ste. 100, Matawan, NJ 07747
Tel: 833-441-2753 | E-mail: info@m3tech.com

© 2025 by M3 Technology, LLC

  • Life with Living Benefits
  • Disability
  • Accident
  • Critical Illness

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