Accident
You have the option to purchase accident insurance, which helps to protect your finances after an accident. You are paid a lump sum if you have a covered injury and can use the money to help pay out-of-pocket medical costs or everyday expenses.
Benefits |
|
|---|---|
Accidental Death - Employee |
$25,000 |
Accidental Death - Spouse |
$10,000 |
Accidental Death - Child |
$5,000 |
Burns |
Up to $15,000 |
Coma |
Employee: $12,500 |
Concussion |
$200 |
Fracture |
Up to $6,000 |
Dislocation |
Up to $6,000 |
Surgery |
Up to $2,000 |
Hospital Admission |
$1,000 |
Per Pay Period Cost |
|
|---|---|
Employee Only |
$2.37 |
Employee + Spouse |
$3.70 |
Employee + Children |
$4.59 |
Employee + Family |
$7.17 |
You have the option to purchase critical illness insurance, which provides a fixed, lump-sum benefit upon the diagnosis of a serious illness like heart attack, stroke, or cancer. Benefits are paid directly to you and may be used for any reason from deductibles and prescriptions to travel expenses, childcare or other everyday expenses.
A lump-sum benefit is payable for an insured person diagnosed with the Critical Illnesses listed in the benefit summary, after any applicable waiting periods or pre-existing condition limitations. For some Critical Illnesses 100% of the benefit amount is payable, and for others it is a percentage.
Benefits |
|
|---|---|
Employee |
Maximum amount of $20,000 in increments of |
Employee Guarantee Issue |
$20,000 |
Spouse |
Up to 50% of employee benefit amount, |
Spouse Guarantee Issue |
Up to $10,000 |
Child |
Up to 50% of employee benefit amount, |
Child Guarantee Issue |
All Child amounts are guaranteed. |
Employee Monthly Cost by Age per $1,000 |
|
|---|---|
Age |
Rate |
<30 |
$1.05 |
30-39 |
$1.20 |
40-39 |
$1.72 |
50-59 |
$3.18 |
60-69 |
$6.36 |
70-79 |
$10.97 |
80-99 |
$15.26 |