Group Accident Insurance
Protect yourself and your loved ones against unforeseen costs of an accident. Accident insurance will provide you with a way to strengthen financial security. An accident could easily leave you financially strained. While it’s common to feel that health plans and disability insurance have you safely covered for accidents, there can be significant gaps in their protection. Accident Insurance provides a lump sum benefit based on the type of injury (or covered incident) you sustain or the type of treatment you need.
What accident benefits are available?
|Accident hospital care|
|Surgery open abdominal, thoracic||$1,200|
|Hospital confinement per day, up to 365 days||$375|
|Critical care unit confinement per day, up to 15 days||$600|
|Coma duration of 14 or more days||$17,000|
|Transportation per trip, up to 3 per accident||$750|
|Initial doctor visit||$90|
|Emergency room treatment||$225|
|Burns second degree, at least 36% of the body||$1,250|
|Burns 3rd degree, at least 9 but less than 35 square inches of the body||$7,500|
|Burns 3rd degree, 35 or more square inches of the body||$15,000|
This provides an annual benefit payment if you complete a health screening test. You may
only receive a benefit payment once per year, even if you complete multiple health screening tests.
- Examples of health screening tests include but are not limited to: Pap test, serum cholesterol test for HDL
and LDL levels, mammography, colonoscopy, and stress test on bicycle or treadmill.
- The annual benefit amount is $50 for completing a health screening test.
- If your spouse and/or children are/is covered for Accident Insurance, they are also covered for the
Wellness Benefit. Your spouse’s benefit amount is also $50. The benefit for child coverage is 50% of your
benefit amount per child with an annual maximum of $100 for all children.
Accidental Death and Dismemberment (AD&D) coverage
If you are severely injured or die as a result of a covered accident, an AD&D benefit may be payable to you or your beneficiary.
- If your spouse and/or children are/is covered for Accident Insurance, their coverage includes AD&D.
|Accidental Death and Dismemberment (AD&D) coverage||Benefit|
|Accidental Death Benefits Common Carrier|
|Accidental Death Benefits Other Accident|
|Accidental Dismemberment Benefits|
|Loss of both hand or both feet or sight in both eyes||$28,000|
|Loss of one hand or one foot AND the sight of one eye||$22,000|
|Loss of one hand AND one foot||$22,000|
|Loss of one hand OR one foot||$12,500|
|Loss of two or more fingers or toes||$1,800|
|Loss of one finger or one toe||$1,250|
|Catastrophic Accident Benefits|
|Home Modification Benefit||$5,000|
|Vehicle Modification Benefit||$5,000|
See SPD, SBC, brochures, flyers and/or policy contract for full detail. Final rates can fluctuate a few cents on your paycheck. The benefit highlights and summaries are not an official outline of coverage.
Questions about your benefits?
Benefits can be confusing and overwhelming. Our experts are here to help: Free support (Mon–Fri, 9am–5pm ET)