Benefits for 2026
Accident Insurance
SUMMARY OF COVERAGE
KNOW ABOUT YOUR ACCIDENT INSURANCE This insurance pays benefits directly to you to help offset the out-of-pocket expenses associated with an unexpected injury requiring medical treatment, such as deductibles or copays. Benefit payments are based on a schedule of injuries and treatments. The benefit is yours to use however you want, including paying for healthcare expenses, mortgage, rent, or other bills. *OVER 80 INJURIES AND SERVICES COVERED Below is a short list of injuries and services that may qualify for a benefit payment: Ambulance services Burns & Lacerations (cuts) Concussions Emergency room and urgent care Fractures/dislocations Hospital admissions and stays Medical appliances (e.g., crutches, wheelchairs) Physical Therapy
EXAMPLE CLAIM: Jane crashed her bicycle and was taken to the emergency room for treatment. She was diagnosed with a broken wrist and a torn ligament. She required surgery to repair her torn ligament, and she missed several days of work. Fortunately, Jane’s Accidental Injury plan paid her $2,375 help keep her afloat financially while she made a full recovery.
Jane’s Injuries & Treatment
Benefits Paid to Jane
Ambulance
$225
COVERAGE OPTIONS: Coverage is available to employees, spouses and dependent children.
Emergency Room
$150
Diagnostic MRI
$150
Bi-weekly Premium
Weekly Premium
Per Pay (26 payrolls)
Fractured Wrist
$450
Surgical repair of ACL
$750
$1.46
$2.91
Employee
Crutches (medical appliance)
$75
$2.33
$4.66
Employee + Spouse
3 Follow Up Visits
$225
Employee + Child(ren)
$2.59
$5.17
Physical Therapy (10 visits)
$350
Total Benefit
$2,375
$3.46
$6.92
Family
*Please refer to the benefit plan summaries for a full schedule of benefits
This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations, and exclusions set forth in each insurance carrier or provider’s contract.
2026 Employee Benefit Guide
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