🚑 Protect Yourself and Your Family with Accident Insurance.
Accidents happen when we least expect them. Accident insurance is a voluntary, supplemental benefit that helps cover unexpected costs from accidents. It does not replace health insurance, but it pays cash benefits directly to you, which can be used for medical bills, travel, or everyday expenses. Plus, if you’re enrolled in other plans, like the Hospital Indemnity Plan, these benefits can stack, providing extra support during inpatient hospital stays related to an accident.
💡 Why Choose Accident Insurance?
🟢 Voluntary Enrollment – Choose coverage that fits your needs and budget.
🟢 Stackable Benefits – Works alongside other plans for extra financial protection.
🟢 Guaranteed Coverage – Includes dependents and pays benefits regardless of other medical or disability plan coverage.
🟢 Flexible Use of Funds – Spend cash benefits on medical bills, travel, or everyday expenses.
🟢 Annual Physician Benefit – Provides a yearly benefit for physician visits, even if not accident-related. Already enrolled? File annual claim
🛡️ Accident-Related Benefits Plan Schedule
| 🏷️ Benefit Category | 🌈 Plan 1 | 🌈 Plan 2 |
|---|---|---|
| 🦴 Dislocations & Fractures | Up to $4,000 | Up to $6,000 |
| 💀 Accidental Death & Dismemberment | Up to $40,000 | Up to $60,000 |
| 🩺 Outpatient Physician Visits | $50 per visit | $75 per visit |
| 🏥 Initial Hospital Confinement | $1,000 | $1,500 |
| 🏨 Daily Hospital Confinement | $200/day | $300/day |
| 💉 Intensive Care (daily) | $400/day | $600/day |
| 🚑 Ambulance Services – Ground / Air | $200 / $600 | $300 / $900 |
| 💊 Medical Expenses | Up to $500 | Up to $750 |
Dependent Coverage: Spouses receive 50% and children 25% of the benefit amounts above.
Benefits are paid according to this accident-related plan schedule, regardless of other medical or disability plan coverage.
For a complete list of all covered events, enhancement benefits, and detailed schedules, please see the Accident Insurance Brochure.
💰 Premiums
| 🏷️ Plan | 👤 EE | 💑 EE + SP | 👶 EE + CH | 👨👩👧 Family |
|---|---|---|---|---|
| Plan 1 | $17.99 | $33.86 | $36.84 | $44.89 |
| Plan 2 | $24.67 | $47.22 | $51.68 | $63.45 |
EE = Employee, SP = Spouse, CH = Children
Good news: There are no changes to premiums for 2026.
📅 Enrollment Information
🗓️ Open Enrollment: November 1 – December 1
✅ Coverage Effective Date: January 1, 2025
🌐 Learn More: Visit the Virtual Benefits Fair for full plan details and comparisons.
🧭 Stay Informed
📝 HR Updates: Follow the HR Blog for benefits insights, professional development tips, and news.
🌿 Wellness News: Check the Wellness Blog for programs supporting your health and well-being.
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