Built for Drivers
Coverage designed for life on the road.
Disability & Accident
Protect your paycheck,
not just the truck.
If an injury or unexpected sickness keeps you out of the driver's seat, the miles stop - and so does the money. Most independent drivers have a plan for a broken-down rig, but no plan for themselves.
We help you build a stronger safety net with disability income protection to help cover your bills if the unexpected happens.
Individual disability and accident options for drivers who want protection that fits life on the road.
Cash When It Matters
Help with bills, travel, and time off work.
Here for You
Real people. Real support.
We understand those who drive for a living.
You Stay in Control
You choose how the money is used.
What this page helps with
Start with the protection gap that sounds most like your situation.
Income protection can matter when your paycheck depends on your ability to keep moving.
We only offer accident coverage options that are built for life on the road - whether you are hauling a load, parked between runs, or off the clock with your family.
Some options may help with extra costs from covered hospital stays or serious illness.
Go to the hospital and illness pageReal examples drivers understand
These are simple examples only. Actual benefits depend on the policy, carrier, state, treatment received, and approved claim.
Slip, fall, or broken bone
A driver slips at a fuel stop, goes to the ER, gets an X-ray, and finds out it is a covered fracture.
Example cash benefits could include:
- ER visit: $150
- X-ray: $50
- Broken bone benefit: $400
- Follow-up visit: $50
- Brace or crutches: $75
Example total: about $725
This cash is paid directly to YOU, the driver - not hospitals or doctors. Once paid, the cash is yours to use as needed - food on the table, bills at home, or gas in the truck.
Injury away from the truck
A driver gets hurt at home over the weekend and cannot work Monday. The injury still affects the paycheck.
Example cash benefits could include:
- Urgent Care Doctor's Office Visit: $150
- X-ray or imaging: $50
- Follow-up visit: $50
- Physical therapy visits: $150
- Medical appliance or brace: $75
Example total: about $475
The Accident plans we have vetted for drivers like you help when the covered accident happens on and off the clock.
Hernia, surgery, and recovery time
A driver has a hernia, and the doctor says no driving or lifting for six weeks post-surgery.
A disability plan may help replace part of the paycheck while the driver cannot work.
Example disability income:
- Weekly disability benefit: $1,500
- Waiting period: 7 days
- Time out of work: 6 weeks
- Payable time after waiting period: about 5 weeks
Example total: about $7,500
This is why disability and accident coverage are not the same. One may help with accident-related costs. The other may help protect income.
This is why the right questions matter.
A real policy can look very different from a simple example. We help drivers review what may fit their work, income, and family.
Start Free Protection CheckupWhat benefits may help with
Every policy is different. These are common areas drivers ask about.
ER or urgent care visit
Ambulance ride
Brace or crutches
Broken bone or dislocation
Follow-up visit
Hospital stay
Physical therapy
Covered illness
Time off work
Coverage details vary by carrier, state, and policy terms.
Accident coverage and disability are not the same thing.
Accident coverage that fits driver life
We only offer accident coverage options that are built for life on the road - whether you are hauling a load, parked between runs, or off the clock with your family. Coverage details vary by carrier, state, and policy terms.
- May pay cash benefits for covered accident-related care
- Often tied to the type of injury or treatment
- May help with out-of-pocket costs after a covered accident
Disability coverage
Disability coverage can help protect your paycheck if a covered illness or injury keeps you from driving. We help drivers review options from carriers that understand life on the road, including owner-operators and self-employed drivers.
- May replace part of your income
- Usually tied to being unable to work
- May help with bills when your paycheck stops or drops
You can enroll on your own
Accident coverage you can pick up on your own
Accidents are not always big wrecks. A slip in the yard, a fall from the cab, a wrong step at home, or an injury on the road can still cost money.
No health questionsSimple to add.
Cash paid directly to youYou get the money, not the provider.
24/7 protectionOn the job, off the job, at home, or on the road.
Accident insurance is designed to pay cash directly to you after a covered accident.
It helps protect you 24/7 - on the job, off the job, at home, or on the road.
The cash can help with bills, food, gas, follow-up care, or time away from work.
A slip in the yard
A fall from the cab
A wrong step at home
An injury on the road
Is this the same as my Occupational Accident Coverage?
No. Occupational Accident Coverage is designed to help with medical costs, disability benefits, or accidental death benefits due to a covered work accident. Most motor carriers require it.
If you are looking for this type of coverage, please click here to connect with Reliance Partners.
The accident plan offered through Operators Advantage is different.
This accident plan is designed to pay cash directly to you after a covered accident.
It helps protect you 24/7 - on the job, off the job, at home, or on the road.
Think of OAC as work-injury coverage tied to hauling. Think of this accident plan as extra cash protection for everyday life.
Benefits, limits, exclusions, and availability vary by plan and state.
Before you click: choose the right option
When the enrollment page opens, you may see two choices.
Accident Insurance
Best match for this pageChoose this for the full accident plan. It includes cash injury benefits and an accidental death benefit.
Accidental Death Insurance
Death benefit onlyThis mainly covers a death benefit after a covered accident.
If you want the full accident plan, choose "Accident Insurance."
- 1Fill in your basic information.
- 2Choose Instant Decision.
- 3Select Accident Insurance.
- 4Pick your benefit package.
- 5Choose your beneficiary and finish.
The (Complete) option is the most robust accident plan. It includes the injury benefits found on the brochure and a $50,000 accidental death benefit for the primary insured.
All for about $20 a month. Premium amount will change if family members are added.
Start Accident Insurance Enrollment
When the portal opens, choose Accident Insurance for the full accident plan.
Don’t forget to have your beneficiary & banking info ready to input in the secure site.
For health, disability, life, or Medicare, we recommend talking with our team first. Those choices have more moving parts.
Think of us as your personal HR benefits team, OA was built for drivers like you.
How it usually works
Simple steps. Help in plain language (English and Spanish). No pressure.
1
Tell us about your driver life
Start with a quick checkup so we understand how you work, what worries you most, and what protection may matter before something happens.
2
Review your options
We explain plans like dental, accident, disability, hospital, and illness-related options in a way that makes it easy for you to understand.
3
Choose your next step
You decide what makes sense. No pressure.
- Does it cover accidents on and off the job?
- How does it define disability?
- How long before benefits can start?
- How much could it pay?
- What exclusions should I know about?
- Can my spouse or family be covered?
Operators Advantage provides education and guidance. Product availability, pricing, benefits, and eligibility vary by carrier, state, policy terms, and situation.
Voluntary disability and accident options can help employees prepare for the income gaps that may happen after an injury or time away from work.
Through payroll deduction, employees can access disability and accident coverage options that help protect their paycheck and family when life does not go as planned.
Operators Advantage understands trucking work, long hours, and the income pressure drivers face. We help make the process clear, simple, and employee-friendly - so your team can better understand their options without adding pressure to your benefits budget.
Helps address time away from workEmployees choose if they want coverageEmployer premium isnot requiredBuilt for driver-focused education
Not sure what protection fits?
Start with a quick checkup. We'll help make your next step clear.
Prefer to talk?Call 855-4DRV-BEN·Text·