The PAID accident insurance plan from Family Life Insurance Company provides essential financial support when unexpected injuries disrupt your life. Offering flexible 24-hour or off-the-job coverage, this plan helps cover out-of-pocket costs tied to accidents—big or small. Key benefits include coverage for accidental death, hospital stays, ambulance transport, emergency treatment, fractures, burns, surgeries, and more. Optional wellness benefits are also available for routine exams and screenings. Available to individuals ages 18–69 and guaranteed renewable to age 70, PAID ensures you and your loved ones are better prepared when accidents happen.
PAID Personal Accident Indemnity Delivery
This is Accident Only Insurance Policy Underwritten by Family Life Insurance Company
FLPAID-FL-BR 0721
PAID Personal Accident Indemnity Delivery
This is Accident Only Insurance Policy
You’re injured, you need emergency treatment, and you end up confined in the hospital for five days. “Accidents happen,” the old saying goes. “You can’t plan on them, but you can plan for them.”
People call them accidents for a reason; they are unplanned and can happen to anyone at the most inopportune times. According to the most recent studies, accidents occur at an alarming rate…at least one out of a dozen people suffer from an accident each year. When an accident affects your livelihood or that of a family member, having a plan for the unexpected can be invaluable. Family Life’s Personal Accident Indemnity Delivery product (PAID) can provide You with a vital piece of that plan. The PAID plan helps you pay for out-of-pocket expenses and provides benefits to you or your family for many of the accidents that can happen without warning. Additionally, our policy is extremely flexible in both coverage and its options. You can purchase coverage as either 24-hour on or off-the-job only. With PAID, it’s never too late to be eligible as our policy issues coverage from Ages 18-69 , and is guaranteed renewable until age 70. Accidents Happen • More than one in four of today’s 20-year-olds can expect to be out of work for at least a year because of a disabling condition before they reach the normal retirement age. 1 • There were approximately 2.8 million nonfatal workplace injuries and illnesses reported by private industry employers in 2017. 2 • There were 882,730 occupational injuries and illnesses in 2017 that resulted in days away from work in private industry. 2 • Those who’ve faced household medical bill problems report struggling to make payments, both for their medical and non-medical bills. 61% say they have been late on a payment for a medical bill, and 56% say they’ve missed a payment. Similarly 56% report being late and 46% report missing payments for non-medical. 3 Sources for statistics: 1 disabilitycanhappen.org/disability-statistic March 28, 2018; 2 Bureau of Labor Statistics, 11/08/2018 News Release: Employer-Reported Workplace Injuries and Illnesses; 3 The Burden of Medical Debt: Results from the Kaiser Family Foundation/New York Times Medical Bills Survey, January 5, 2016
Our plan pays benefits for Accidents, big and small.
BENEFIT HIGHLIGHTS INCLUDE: • Accidental Death
• Emergency Dental
• Hospital Admission and Confinement
• Lodging
• Intensive Care Unit
• Transportation
• Air and Ground Ambulance • Emergency Room Treatment
• Surgery
Also included are benefits for burns, dislocations, fractures, dismemberment, eye injuries, and major diagnostic exams. Benefits are outlined on the following page and the policy explains in detail any limitations and/or exclusions.
PRODUCT FEATURES
• Helps you pay for out-of-pocket expenses • 24-hour on or off-the-job only • Issue ages 18 - 69 • Guaranteed renewable to age 70 • Choose one or two units
OPTIONAL ANNUAL WELLNESS BENEFIT RIDER* $60 paid each year per covered person under the policy for any one of the following examinations: • Annual Physical Examination • Immunization • Dental Exam • Flexible Sigmoidoscopies • Mammogram • PSA Test • Pap Smear • Ultrasounds • Eye Examination • Blood Screening Test The Policy must be in force 9 months before this benefit is payable.
PAID BENEFITS
BENEFIT DESCRIPTION
ONE-UNIT
TWO-UNITS
Air Ambulance Air transportation within 48 hours. Once per Covered Accident. Ambulance Ground transportation within 90 days. Once per Covered Accident.
$500
$500
$100
$100
$25,000 Employee $10,000 Spouse $5,000 Child
$50,000 Employee $20,000 Spouse $10,000 Child
Accidental Death Within 90 days of Covered Accident.
Accidental Death (Via Common Carrier) Fare-paying passenger on a common carrier. (plane, bus, train)
Accidental Benefit will be doubled
Accidental Benefit will be doubled
Emergency Room Treatment Treatment sought within 72 hours of Covered Accident. Hospital Admission Confined within 180 days. Once per Covered Accident. (minimum 20 hours) Hospital Confinement Confined within 180 days. Maximum of 90 days.
$200
$200
$500
$1,000
$100 per day
$200 per day
Hospital Intensive Care Unit Within 30 days of Covered Accident. Maximum of 15 days. Major Diagnostic Exams Angiogram, CT and CTA scan; MRI, MRA or EEG as result of a Covered Accident. Physicians Office/Urgent Care Within 60 days of Covered Accident. Once per Covered Accident. Blood, Plasma and Platelets Transfusion, administration, cross-matching, typing and processing required within 90 days of a Covered Accident. Once per Covered Accident.
$200 per day
$400 per day
$100 per calendar year
$200 per calendar year
$50
$50
$300 primary insured $200 Spouse/ dep child
$300 primary insured $200 Spouse/ dep child
BENEFIT DESCRIPTION
ONE-UNIT
TWO-UNITS
$375/150* for 2nd degree burns on at least 36% of the body $750/300* for 3rd degree burns on at least $5,000/2,000* for 3rd degree burns on 20% or more of the body $150 repairs with crown $50 for extraction 1% but less than 20% of the body
$750/300* for 2nd degree burns on at least 36% of the body $1,500/600* for 3rd degree burns on at least $10,000/4,000* for 3rd degree burns on 20% or more of the body $300 repairs with crown $100 for extraction 1% but less than 20% of the body
Burn Treated within 72 hours of a Covered Accident. Once per Covered Accident. *Spouse** and Child
Emergency Dental Work Once per Covered Accident regardless of teeth involved. Dislocation (separated joint) Diagnosed within 90 days, correction with anesthesia by Physician and corrected by Open (surgical) or Closed (non- surgical) reduction. Fracture (broken bone) Fractures requiring Surgical or Non-Surgical reduction within 90 days of Covered Accident. Gunshot Wounds Unintentional wound requiring confinement within 24 hours and surgery within 72 hours of Covered Accident. Primary insured only. Laceration Lacerations requiring repair by a physician within 72 hours of a Covered Accident. Lodging Companion Lodging when Insured is confined to a hospital more than 100 miles from home. Maximum of 30 days Eye Injury Treated by a physician within 90 days of Covered Accident. Must require surgery or removal of a foreign object.
$50 - $2,000 (policy contains complete schedule) $25 - $2,500 (any Insured) (policy contains complete schedule)
$100 - $4,000 (policy contains complete schedule) $50 - $5,000 (any Insured) (policy contains complete schedule)
$500
$500
$50 - $400 (based on length of lacerations, see policy)
$100 - $800 (based on length of lacerations, see policy)
$100 per night
$100 per night
$200
$200
$500 $100 for exploratory surgery
$1,000 $200 for exploratory surgery
Knee Cartilage - Torn Treated by a physician within 60 days of Covered Accident. Must be repaired within 180 days.
Transportation Round trip when hospital confined and distance is more than 100 miles round trip from residence. Three round trips per Covered Accident.
$300 round trip
$300 round trip
$1,000 for thoracic, open abdominal $100 for exploratory surgery
$1,000 for thoracic, open abdominal $100 for exploratory surgery
Surgery Within 72 hours after a Covered Accident to repair internal injuries caused by the Covered Accident. Hernia repair not covered. Once per Covered Accident.
**Spouse and Child in NJ, Spouse/Civil Union Partner
PAID Rates
Form F-HPACC-24-FL Accident Policy Rate Schedule Weekly Premium Bi ‐ Weekly Premium Semi ‐ Monthly Premium
Monthly Premium
One Unit
Two Units One Unit
Two Units One Unit
Two Units One Unit
Two Units
24 ‐ Hour Coverage
Employee Employee/ Spouse Employee/ Child
$1.90
$3.10
$3.81
$6.21
$4.13
$6.73
$8.25 $13.45
$3.69
$6.00
$7.38 $12.00 $8.00 $13.00 $16.00 $26.00
$3.86
$6.06
$7.73 $12.11 $8.38 $13.13 $16.75 $26.25
Family
$6.00
$9.46 $12.00 $18.92 $13.00 $20.50 $26.00 $41.00 Off-the-Job Coverage Only
Employee Employee/ Spouse Employee/ Child
$1.72
$2.81
$3.44
$5.63
$3.73
$6.10
$7.45 $12.20
$3.40
$5.58
$6.81 $11.17 $7.38 $12.10 $14.75 $24.20
$3.69
$5.77
$7.38 $11.54 $8.00 $12.50 $16.00 $25.00
Family
$5.71
$9.00 $11.42 $17.99 $12.38 $19.50 $24.75 $39.00
Wellness Rider
Weekly Premium
Monthly Premium
Bi ‐ Weekly Premium
Semi ‐ Monthly Premium
Employee Employee/ Spouse Employee/ Child
$1.04
$2.08
$2.25
$4.50
$2.08
$4.15
$4.50
$9.00
$2.08
$4.15
$4.50
$9.00
Family
$3.18
$6.37
$6.90
$13.80
Benefits and riders may vary by state and may not be available in all states.
This is not a complete disclosure of plan qualifications and limitations. Please access our website to obtain a completed list for the PAID product at disclosure.manhattanlife.com . Please review this information before applying for coverage. The amounts of benefits provided depend on the plan selected. Premiums will vary according to the selection made.
Policy Form Number: F-HPACC-24-FL, F-HPACC-NOC-FL Rider Form Numbers: FHPACCDRAS-FL , FHPACCDRAO
This brochure only provides a brief description of the important features of your policy. Only the actual policy provisions will control; therefore, it is important that you READ YOUR POLICY CAREFULLY.
Underwritten by: Family Life Insurance Company 10777 Northwest Freeway, Houston, Texas 77092
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