Voluntary Accident
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 COVERAGE OPTIONS: Coverage is available to employees, spouses and dependent children. WELLNESS BENEFIT Critical Illness Insurance includes an annual benefit of $50 for you and covered spouse when you take a covered health screening test. Over 40 different screenings qualify, including: • Cholesterol screening • Mammogram • Immunizations, e.g., Covid-19
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 Accident Insurance plan paid her $3,350 to help keep her afloat financially while she made a full recovery.
Jane’s Injuries & Treatment
Benefits Paid to Jane
Ambulance
$400
Emergency Room
$200
Diagnostic MRI
$200
Fractured Wrist
$1,000
Surgical repair of ACL
$750
Crutches (medical appliance)
$100
3 Follow Up Visits
$300
Physical Therapy (10 visits)
$500
Total Benefit
$3,350
Per Pay (26 payrolls)
Bi-weekly Premium
$4.20
Employee
$7.19
Employee + Spouse
$9.00
Employee + Child(ren)
$11.91
Family
Portability included – allowing you to take the policy with you if you end employment.
For more information on Accident Insurance, view education video HERE
*Please refer to the benefit plan summaries for a full schedule of benefits
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