Accident Insurance
Accident insurance pays out a lump sum if you become injured because of an accident. It allows you to claim benefits even if the injuries you incur do not keep you out of work. Accident insurance may also complement health insurance if an accident causes you to have medical expenses that your health insurance doesn’t cover.
Accident insurance covers qualifying injuries, which might include a broken limb, loss of a limb, burns, lacerations, or paralysis. In the event of your accidental death, Accident insurance pays out money to your designated beneficiary. While health insurance companies pay your provider or facility, Accident insurance pays you directly.
You may choose between the Low plan or the High plan.
Wellness Benefit
Earn a cash benefit by receiving an eligible health screening (once per calendar year):
- High Plan: $100
- Low Plan: $50
Here are some examples of regular preventive care that would qualify for the wellness benefit:
- Annual Physical (No Cost on all Light & Wonder medical plans)
- Immunization or Vaccine
- Mammogram
- Pap Smear
- Skin Cancer Biopsy
- Cholesterol Blood Test / Lipid Panel / Triglycerides Blood Test
- Colon Cancer Screening (Stool Test or Colonoscopy)
How Does Accident Insurance Work?
Accident insurance policies can provide you with a lump sum paid directly to you that will help pay for a wide range of situations, including initial care, surgery, transportation and lodging, and follow-up care. Here’s how it works:
- A set amount is payable based on the injury you suffer and the treatment you receive.
- Benefits are payable directly to you (unless you specify otherwise) and can be used as you see fit.
- Coverage is available for you, your spouse and eligible dependent children.
- You do not need to answer medical questions or have a physical exam to get basic coverage.
- Accident insurance covers injuries that happen on the job or off the job — unlike workers’ compensation, which only covers on-the-job injuries.
- Benefit payments are not reduced by any other insurance you may have with other companies.
| Accidental Death Benefit | High Plan | Low Plan |
|---|---|---|
| Basic Accidental Death Benefit - Employee | $50,000 | $32,000 |
| Basic Accidental Death Benefit - Spouse | $25,000 | $16,000 |
| Basic Accidental Death Benefit - Children | $12,500 | $8,000 |
| Accidental Death Common Carrier - Employee | $150,000 | $37,500 |
| Accidental Death - Common Carrier - Spouse | $75,000 | $18,750 |
| Accidental Death Common Carrier - Children | $37,500 | $9,375 |
| Accidental Dismemberment Benefit | Up to $28,000 | Up to $100,000 |
| Type of Loss | High Plan | Low Plan |
| Fracture Benefit | Up to Closed $3,500 / Open $7,000 | Up to Closed $3,000/ Open $6,000 |
| Dislocation Benefit | Up to Closed $4,080 / Open $8,160 | Up to Closed $2,200 / Open $4,400 |
| Burn Benefit | Up to $22,500 | Up to $12,500 |
| Skin Graft - Due to Burns | 25% of Burn Benefit | 25% of Burn Benefit |
| Skin Graft Not due to Burns | Up to $2,000 | Up to $500 |
| Eye Injury Benefit | Up to $420 | Up to $275 |
| Laceration Benefit | Up to $960 | Up to $400 $650 |
| Torn Knee Cartilage Benefit | $1,000 | $650 |
| Torn, Ruptured or Severed Tendon/ Ligament/Rotator Cuff Benefit | Up to $2,000 | Up to $1,350 |
| Broken Tooth Benefit | Up to $400 | Up to $300 |
| Additional Injuries Benefit | High Plan | Low Plan |
| Concussion | $500 | $200 |
| Coma | $20,000 | $14,500 |
| Ruptured Disc with Surgical Repair | $1,000 | $650 |
| Puncture Wound | $100 | $25 |
| *When a covered person is admitted to the ICU, this benefit pays in addition to the Non-ICU Hospital Admission benefit. | ||
| Optional Benefits and Provisions | High Plan | Low Plan |
| *Wellness Benefit | $100 | $50 |
| Child Care Benefit | $30 | $20 |
| Emergency Care Benefit | Up to $300 | Up to $200 |
| Child Organized Sports Benefit | 25% | 25% |
| X-Ray Benefit | $75 | $40 |
| * For a complete list of benefits, limitations, and exclusions, please refer to your Certificate of Coverage. | ||
| Paralysis Benefit | High Plan | Low Plan |
| Four Limbs | $30,000 | $20,000 |
| Three Limbs | $25,000 | $15,000 |
| Two Limbs | $20,000 | $13,500 |
| One Limb | $10,000 | $5,000 |