Accident Coverage

Accidents happen and not at the most convenient time. Because we know how accidents can impact your household, we offer a plan to help cover cost associated with accidents.

Eligibility

Full-Time Associates regularly scheduled to work at least 30 hours per week are eligible to elect accident coverage.

If elected, coverage begins the first of the month following a 60-day waiting period.

Coverage Options

Accident insurance provides you a cash benefit for covered injuries, treatments, and services. This coverage is in addition to whatever your medical plan may cover.

Payments go directly to you, not the doctor and enrollment is easy, with no medical questions.

Accident Benefits

Option 1: Silver

Option 2: Gold

Option 3: Platinum

Accident coverage type

On and off job

On and off job

On and off job

Portability - allows you to take your accident coverage with you if you terminate employment.

Included

Included

Included

Accidental Death and Dismemberment

Benefit amount(s)

Employee: $30,000

Spouse: $15,000

Child: $10,000

Employee: $30,000

Spouse: $15,000

Child: $10,000

Employee: $50,000

Spouse: $15,000

Child: $5,000

Catastrophic loss

Quadriplegia, Loss of speech & hearing (both ears), Loss of cognitive function: 100% of AD&D Hemiplegia & Paraplegia: 50% of AD&D

Quadriplegia, Loss of speech & hearing (both ears), Loss of cognitive function: 100% of AD&D Hemiplegia & Paraplegia: 50% of AD&D

Quadriplegia, Loss of speech & hearing (both ears), Loss of cognitive function: 100% of AD&D Hemiplegia & Paraplegia: 50% of AD&D

Common carrier

200% of AD&D benefit

200% of AD&D benefit

200% of AD&D benefit

Common disaster

200% of Spouse AD&D benefit

200% of Spouse AD&D benefit

200% of Spouse AD&D benefit

Dismemberment - hand, foot, sight

Single: 50% of AD&D benefit

Multiple: 100% of AD&D benefit

Single: 50% of AD&D benefit

Multiple: 100% of AD&D benefit

Single: 50% of AD&D benefit

Multiple: 100% of AD&D benefit

Dismemberment - thumb/index finger same hand, four fingers same hand, all toes same foot

25% of AD&D benefit

25% of AD&D benefit

25% of AD&D benefit

Seatbelts and airbags

Seatbelts; $10,000 &

Airbags: $15,000

Seatbelts; $10,000 &

Airbags: $15,000

Seatbelts; $10,000 &

Airbags: $15,000

Reasonable accommodations to home or vehicle

$2,500

$2,500

$2,500

Wellness benefit - per year limit

$50

$75

$100

Child(ren) age limits

Children age birth to 26 years

Children age birth to 26 years

Children age birth to 26 years

Rainy day fund

Benefit Amount: $300

Rollover Maximum: $150

Fund Maximum: $600

Benefit Amount: $400

Rollover Maximum: $200

Fund Maximum: $800

Benefit Amount: $500

Rollover Maximum: $250

Fund Maximum: $1,000

Accident Benefits

Option 1: Silver

Option 2: Gold

Option 3: Platinum

Features

Header
Header
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Air Ambulance

$750

$1,000

$1,500

Ambulance

$150

$200

$300

Blood/plasma/platelets

$300

$300

$300

Burns (2nd degree/3rd degree)

9 sq inches to 18 sq inches: $0/$1,700

18 sq inches to 35 sq inches: $850/$3,350

Over 35 sq inches:

$2,500/$10,000

9 sq inches to 18 sq inches: $0/$2,000

18 sq inches to 35 sq inches: $1,000/$4,000

Over 35 sq inches:

$3,000/$12,000

9 sq inches to 18 sq inches: $0/$2,000

18 sq inches to 35 sq inches: $1,000/$4,000

Over 35 sq inches:

$3,000/$12,000

Burns - skin graft

50% of burn benefit

50% of burn benefit

50% of burn benefit

Child organized sport - benefit is paid if the covered child, age 18 years or younger, is participating in an organized sport that is governed by an organization and requires formal registration to participate.

25% increase to child benefits

25% increase to child benefits

25% increase to child benefits

Chiropractic visits

$25/visit, up to 6 visits

$50/visit, up to 6 visits

$50/visit, up to 6 visits

Coma

$7,500

$10,000

$12,500

Concussion baseline study

$25

$25

$25

Concussions

$100

$200

$300

Diagnostic exam (major)

$100

$200

$300

Dislocations

Schedule up to $4,000

Schedule up to $5,000

Schedule up to $6,000

Doctor follow-up visits

$50, up to 6 treatments

$50, up to 6 treatments

$75, up to 6 treatments

Emergency dental work

$200/crown, $50/extraction

$300/crown, $75/extraction

$400/crown, $100/extraction

Emergency room treatment

$150

$200

$250

Epidural anesthesia pain management

$100, 2 times per accident

$100, 2 times per accident

$100, 2 times per accident

Eye injury

$200

$300

$300

Family care - benefit is payable for each child attending a child care center while the insured is confined to a hospital, ICU or alternate care or rehabilitative facility due to injuries sustained in a covered accident

$20/day, up to 30 days

$20/day, up to 30 days

$30/day, up to 30 days

Fractures

Schedule up to $5,000

Schedule up to $5,000

Schedule up to $6,000

Gun shot wound

$500

$750

$1,000

Hospital admission

$750

$1,000

$1,500

Hospital confinement

$150/day, up to 1 year

$250/day, up to 1 year

$300/day, up to 1 year

Hospital ICU admission

$1,500

$2,000

$3,000

Hospital ICU confinement

$300/day, up to 15 days

$500/day, up to 15 days

$600/day, up to 15 days

Initial Dr. office/urgent care facility treatment

$75

$100

$125

Joint replacement (hip/knee/shoulder)

$1,500/$750/$750

$2,500/$1,250/$1,250

$3,500/$1,750/$1,750

Knee cartilage

$250

$500

$750

Laceration

Schedule up to $300

Schedule up to $400

Schedule up to $500

Lodging - the hospital stay must be more than 50 miles from the insured's residence

$100/day, up to 30 days for companion hotel stay

$125/day, up to 30 days for companion hotel stay

$150/day, up to 30 days for companion hotel stay

Accident Benefits

Option 1: Silver

Option 2: Gold

Option 3: Platinum

Features

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Header
Header

Medical appliance - wheelchair, motorized scooter, leg or back brace, cane, crutches, walker, walking boot that extends above the ankle or brace for the neck

Schedule up to $400

Schedule up to $500

Schedule up to $600

Outpatient therapies

$35/day, up to 10 days

$35/day, up to 10 days

$50/day, up to 10 days

Post-traumatic stress disorder

$300

$400

$500

Prosthetic device/artificial limb

1: $250, 2 or more: $500

1: $500, 2 or more: $1,000

1: $1,000, 2 or more: $2,000

Rehabilitation unit confinement

$50/day, up to 15 days

$100/day, up to 15 days

$150/day, up to 15 days

Ruptured disk with surgical repair

$250

$500

$750

Surgery (cranial, open abdominal, thoracic, hernia) max

Schedule up to $1,000

Hernia: $200

Schedule up to $1,250

Hernia: $250

Schedule up to $1,500

Hernia: $300

Surgery (exploratory or arthroscopic)

$300

$400

$500

Tendon/ligament/rotator cuff

1: $250, 2 or more: $500

1: $500, 2 or more: $1,000

1: $750, 2 or more: $1,500

Transportation - Benefit is paid if you have to travel more than 50 miles one way to receive special treatment at a hospital or facility due to a covered accident

$0.50 per mile, limited to $400/round trip, up to 3 times per accident

$0.50 per mile, limited to $500/round trip, up to 3 times per accident

$0.50 per mile, limited to $600/round trip, up to 3 times per accident

Traumatic brain injury - A non-degenerative, non-congenital injury to the brain from an external nonbiological force, requiring hospital confinement for 48 hours or more and resulting in permanent neurological deficit with significant loss of muscle function and persistent clinical symptoms

$3,000

$4,000

$5,000

X-ray

$30

$40

$50

What it Costs

Cost is determined by your level of coverage and which plan option you choose.

Per Month

Accident Premiums

Option 1:

Silver

Option 2:

Gold

Option 3:

Platinum

Employee Only

$13.06

$16.74

$21.06

Employee + Spouse

$21.06

$27.16

$34.84

Employee + Child(ren)

$22.00

$28.59

$34.64

Employee + Family

$30.00

$39.01

$48.42