Erickson Financial Services, Inc. &
Emmett J. King, LLC
Colorado Health Insurance Broker & Group Benefits Adviser
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Per Accident
Benefit Maximum
(Basic Plan)

(Per Month)

(Per Month)

How to Apply




Apply Online




Apply Online




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Personal Accident Insurance
Protect Yourself from High Deductibles with Supplemental Personal Accident Insurance from Wholesale Benefits Association.  

Wholesale Benefits Association
Benefits that Come with the Basic Plan
Accident Insurance (You choose the benefit amount)
Consult-a-Doctor ($35 consultation fee)
Accidental Death and Dismemberment (Principle sum same as accident benefit)
Health, Rx, Fitness and Medical Discounts
Retail Shopping Discounts
Travel and Entertainment Discounts
Vehicle Savings
Funeral Concierge
Pet Health Discounts

Optional Benefits that Can be Added to the Basic Plan for an Additional Fee
Consult-a-Doctor Upgrade ($0 Tele-Consult Fee)
Temporary Total Disability (Primary Only)
Temporary Total Disability (Primary and Spouse)
$100,000 Accidental Death and Dismemberment Upgrade
$250,000 Accidental Death and Dismemberment Upgrade

Member Document Website

Here's What Our Customers are Saying about WBA

"Hi Lynne! I just wanted to let you know that GTLIC paid this entire claim! If we would have had to pay this, it would have been approx $2,200! All we had to pay was $100 deductible which they were not going to pay, so it was our responsibility. I am soooo glad that we added on the accidental rider to our insurance policy. Thank you!!!!!"

Kristy H.

"...And by the way, that accident plan has been a God-send for our family. I appreciate the suggestion more than I can tell you!!!"
  Paige K.                                                                     

What is WBA?
WBA is not an insurance company. It is a member group that compiles a variety of benefits, one of which is accident medical expense insurance. The accident insurance is currently provided by Federal Insurance Company (A++ AM Best), a member insurer of the Chubb Group of Insurance Companies. Since WBA is an association plan, when you join, you become a part of the "group". From time to time, WBA will change the insurer for the group accident plan, in order to maintain the lowest possible rates. Therefore, benefits are subject to change. If any changes are to occur, WBA will send notification in advance.

What is Covered?
WBA's supplmental accident insurance covers medical expenses up to the maximum amount elected if accidental bodily injury causes an insured person to incur out-of-pocket medical expenses for care and treatment of the accidental bodily injury within 60 days after an accident. In other words, the first claim must be filed within 60 days of the incident. After that, you may continue to file claims related to the accident up to 52 weeks after the date of the incident. The maximum benefit amount for the accident medical expense is payable only for medical expenses incurred within 52 weeks after the date of the accident causing the accidental bodily injury.  

The benefit amount is subject to a deductible. This deductible amount applies separately to each insured person and each accident. WBA will pay all except $100 of your deductible as a member benefit.  

The accident medical expense benefit is payable on an excess basis. The insurance company will determine the reasonable and customary charge for the covered medical expense. It will then reduce that amount by amounts already paid or payable by any other plan and will pay the resulting amount less the deductible.

Covered charges include, but are not limited to: 
Medical care and treatment by a physician 
Hospital room and board and inpatient and outpatient care 
Prescription drugs and medication 
Diagnostic tests and X-rays 
Emergency transportation 
Dental care and treatment due to accidental bodily injury 
Physical therapy 
Rental of durable medical equipment 
Artificial limbs and prosthetic devices 
Orthopaedic appliances or braces 
Eyeglasses, contact lenses and other vision or hearing aids needed as a result of accidental bodily inujury 
Injuries that occur while participating in school sports 
Injuries that occur while participating in recreational sports such as skiing, hiking, mountain biking, or even riding ATVs 
Any injury that is not specifically excluded from coverage. See Benefit Booklet for more information.

What is NOT Covered?
Expenses for which an insured person has no obligation to pay 
Expenses for any injury incurred while fighting, except in self-defense 
Expenses for treatment by a person employed or retained by the policyholder 
Expenses for treatment involving conditions caused by repetitive motion or cumulative trauma such as injuries caused by weight lifting, carpal tunnel syndrome, etc. 
Expenses for treatment that is educational, experimental or investigational in nature or that does not constitue accepted medical practice 
Charges that are not medically necessary 
Injuries caused by entering or exiting any aircraft owned or operated by the policyholder or an employee of the policyholder 
Injuries caused by riding as a passenger in, entering or exiting any aircraft while acting or training as a pilot or crew member 
An insured person's emotional trauma, mental or physical illness, disease, pregancy, childbirth, miscarriage, bacterial or viral infection, bodily malfunctions or medical or surgical treatment thereof. However, infection is covered if caused by an accident or accidental consumption of a substance contaminated by bacteria. 
Injuries which occur while the insured is performing an illegal act, while an insured person is incarcerated after conviction, while an insured person is intoxicated at the time of the accident, while an insured person is under the influence of any narcotic or controlled substance at the time of an accident or while an insured person is engaging in a motorized vehicle or speed contest. 
Injuries which occur while an insured person is participating in military action 
Injuries which occur while an insured person is travelling or flying on any aircraft engaged in specialized aviation activities. 
See Benefit Booklet for complete list of exclusions. 

How Does it Work?
WBA's accident insurance is supplemental coverage, however, it is not required that you have health insurance to buy a WBA Accident plan. WBA will pay for expenses that are not paid by your existing health insurance plan or workman's comp plan. You must first file your injury claim with either your health insurance or workman's comp insurance. If, after all claims related to the injury are processed with your health or workman's comp insurance, there are still out-of-pocket expenses for you to pay, the WBA accident plan will pay up to the benefit amount per accident that you choose, provided that your first claim is filed with WBA within 90 days after the date the accident occurred.  

This plan is a perfect compliment to high deductible or major medical health insurance. However, if you are currently uninsured, you may still purchase a WBA accident plan for limited protection against the cost of an unforseen accidental injury.

WBA Accident Insurance provides perfect protection against accidents for: 

Those who cannot afford personal health insurance 
Those who have a high deductible insurance plan 
Those who are in between jobs 
Those who are newly employed 
Parents who want added protection against children's school & little league sports injuries (professional, intercollegiate & club sports are excluded) 
Short trips to a foreign country 
Anyone lacking a practical accident care option 
Accident insurance is NOT intended to replace or substitute health insurance, but it can dramatically reduce your expenditures.