School Sports Injuries Happen: Be Protected!



There’s something about our family and back-to-school season and injuries. My older daughter, who has been playing soccer since she was 4, broke her left ankle last fall during a soccer scrimmage and her right ankle this as 8th grade soccer season practice was just starting. This is not a fall family tradition you want to continue! Fortunately we haven’t had any other broken bones, but fractures are an unexpected possibility when it comes to the life of a student athlete.

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Life goes on after an injury for busy teens! This was the day AFTER her injury before she got her protective boot from the orthopedic doctor.


Getting a call on my daughter’s first afternoon of soccer practice and hearing her coach say words like “ambulance” and “pain” was not something I was prepared for. Having insurance is that security you don’t think of until you really need it. My daughter is now officially off crutches and out of her boot and we’re all very thankful for that!

For most U.S. companies, fall marks open enrollment season, a time when workers can review their employer-sponsored benefits offerings and choose the health insurance policies that best meet their financial and health care needs. Our insurance needs have changed through the years and with our careers. Now that we have kids we have different insurance needs, for example, then before we had children. Insurance isn’t one of those fun topics you want to read up on, but is definitely something you and your partner need to discuss as you enter different life phases.

Although selecting the right health care benefits may be one of the most important decisions most U.S. families will make all year, a recent Aflac survey found that many workers do very little research to learn which plans and products really work best for them. 34 percent of employees spent less than 15 minutes researching their benefit options last year. I spend more time than that in a day on Facebook!

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Consider voluntary insurance policies offered by your employer, such as Aflac, which offers policies ranging from cancer insurance to  hospital indemnity insurance.

  • When an unforeseen medical event occurs, many people are often faced with paying copayments, deductibles or treatment costs not covered by major medical insurance, as well as other daily living expenses – all while paying increasing health insurance premiums.

  • According to a recent Aflac survey, 66 percent of workers would not be able to adjust to the large financial costs associated with a serious injury or illness, and 49 percent have less than $1,000 on hand to pay out-of-pocket medical expenses.

  • Voluntary policies, which complement major medical coverage, are specifically designed to help pay for out-of-pocket expenses that can be associated with an unexpected illness or injury.

  • In addition, the cash benefits can be used to help pay rent, gas, groceries, child care or any other out-of-pocket expenses that continue to roll in even if someone is too sick or injured to work.

Aflac offers accident insurance which, in our case, would have come in handy this year and last year. Last fall we spent considerable time at physical therapy with our daughter. Although she did not have to go through physical therapy this fall for her right ankle, we still had expenses such as her ER visit.

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Here are some eye-opening facts about accidental injuries.

  • The National Safety Council indicates that the average medical expense for an accidental injury is $5,500. And according to the Centers for Disease Control, there are more than 80 million injury-related visits to doctors’ offices, hospital outpatient departments and emergency-treatment facilities in the U.S. each year.4

  • Accident insurance helps provide everyday financial protection in the event of a covered accident. Benefits are paid for things like x-rays, physical therapy, appliances, emergency treatment and more.

  • Those who should consider this product – Everyone, especially parents with accident-prone children as well as active adults (athletes and adventure-seekers).

Research your benefits this open enrollment season and find the right voluntary policies to help keep every member, and generation, of your family protected.

I was selected for this opportunity as a member of Clever Girls and the content and opinions expressed here are all my own.

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