ACCIDENT INSURANCE
McKibbon Hospitality offers accident coverage through United Healthcare. Accident coverage provides direct payment for set injuries and services associated with an off the job accident. There are two accident plans available.
BASE PLAN
ENHANCED PLAN
Accidental Death & Dismemberment Life
$20,000
$20,000
One hand or foot / Both hands or feet or combo One finger or toe / Two + fingers or toes or combo
$10,000 / $20,000
$10,000 / $20,000
$2,000 / $4,000
$2,000 / $4,000
Accidental Death Common Carrier
$80,000 Child benefit is 50% of employee/spouse
$80,000 Child benefit is 50% of employee/spouse
Initial Care Ground Ambulance / Air Ambulance Emergency Room Treatment / Physician Office or Urgent Care
$200 / $1,200 $100 / $40
$200 / $1,200 $100 / $40
Hospital Care Hospital Confinement / Admission Hospital ICU Confinement / Admission Follow Up Care Major Diagnostic Exam Follow up Physician Visit / Physical Therapy Medical Appliances Prosthetic (one / two or more) Rehabilitation Unit
$800 / $160 $2,500 / $500
$800 / $160 $2,500 / $500
$160 $40 / $30 $140 $500 / $1,00 $80 $280 $100 - $1,000 $500 - $8,000 $140 / $10,000 $80 - $200 $200
Common Injuries Blood, Plasma, Platelets Adnominal / Thoracic Surgery Burns
Concussion / Coma Dental Emergency Eye Surgery
Dislocations Surgical reduction type: (Hip/Knee/Ankle/Foot/Collarbone/Lower Jaw/Shoulder/Elbow/Wrist/Hand/Toe/Finger)
$80 - $3,200
Fractures Surgical reduction type:
(Skull/Hip/Vertebrae/Pelvis/Leg/Face/Upper Jaw/ Arm/Shoulder blade/Collarbone/Vertebral process/ Hand/Wrist/Kneecap/Foot/Ankle/Rib/Coccyx/Finger/Toe) Lacerations No stitches, staples or glue / Not more than 5cm Greater than 5cm but not more than 15 cm / 15cm +
$80 - $4,000
$30 / $50 $200 / $400
Paralysis
$400 - $10,000
Tendons / Ligaments / Rotator / Knee Cartilage
Exploratory / Surgery to repair one / more than one
$140 / $400 / $800
Organized Sporting Activity Injury Family Child Daycare (Per day, 30 day max) Family Lodging (per day) Transportation(special treatment, 100+ miles away)
$28 $140 $400
Bi-Weekly Cost for Coverage
$1.98
$4.56
Employee Only
$2.66
$6.54
Employee + Spouse
$2.33
$6.54
Employee + Child(ren)
$3.01
$8.51
Employee + Family
Benefits under the Accident coverage are only payable if it is a result of an accident . For example:
(Payable) a broken leg due to a fall is a injury as a result of an accident X (NOT payable) a hospitalization due to kidney stones
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