Accident Insurance 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, copays, and lost income. 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 Coverage Options: Coverage is available to employees, spouses and dependent children. Organized Sports Benefit The plan will boost your benefit 25% when you or a covered family member are injured while participating in an organized sport. Wellness Benefit Includes an annual benefit of $50 for you and covered spouse when you take a covered health screening test. Over 40 different screenings qualify. Fractures/dislocations Hospital admissions and stays Medical appliances (e.g., crutches) Physical Therapy
Portability included: Allowing you to take the policy with you if you end employment with VPP.
EXAMPLE CLAIM: Jim’s son collided with another player in a high school football game and was taken to the emergency room for treatment. He was diagnosed with a torn ligament. He required surgery to repair his torn ligament, and physical therapy. Fortunately, Jim’s Accidental Injury plan paid him $3,250 to help keep his family afloat financially while his son made a full recovery.
Injuries & Treatment
Plan Benefits
Ambulance
$350
Emergency Room
$250
Diagnostic MRI
$300
Surgical repair of ACL
$750
Crutches (medical appliance)
$150
Bi-Weekly Cost for Accident Insurance Employee $4.84 Employee + Spouse $7.90 Employee + Child(ren) $7.96 Family $11.03
3 Follow Up Visits
$300
Physical Therapy (10 visits)
$500
Sports Injury Benefit Enhancement
25%
Total Benefit
$3,250
43
Please refer to the benefit plan summaries for full benefits and more coverage details
Made with FlippingBook - PDF hosting