ACCIDENT INSURANCE Accident insurance coverage through Lincoln Financial Group provides a cash benefit when you or your covered dependent is injured due to a covered accident that occurred off the job. This payment can assist in covering extra expenses associated with treatment and recovery from a covered accident. You’ll even get paid benefits for multiple covered injuries resulting from the same accident. Cash benefits are available for more than 70 injury expenses and services including: ACCIDENT/ INJURY
Hospital admission THINKING ABOUT ACCIDENT INSURANCE? Consider the following: • Medical Costs – Take a look at your medical costs from the past year and decide whether you’re able to pay them out of your own pocket if you experience a covered accident. • Other expenses – Add up routine expenses such as food, clothing, housing and transportation to see how much money is left to pay medical bills. • Savings – Estimate your total savings and investments and decide whether you could dip into them to cover costs due to an accident.
BENEFIT LEVEL
$1,000
Hospital confinement daily benefit
$200
Intensive care confinement daily benefit
$400
Concussion
$100
Ground ambulance transportation
$150
Emergency room visit
$150
Coma
$7,500
Other covered injuries and services include: • Follow-up doctor visits • Fractures and dislocations • Burns • Transfusions • Joint replacement • Lacerations • Crutches, wheelchairs, walkers • Accidental death and dismemberment
$50 HEALTH ASSESSMENT BENEFIT If you are currently enrolled in the Accident and/or Critical Illness benefit and have not already filed your $50 claim for completing one of the 24 covered health assessment tests, now is the time to do it!
This plan also includes an annual $50 health assessment benefit that provides you with cash toward one of 24 covered health assessment tests such as mammogram, colonoscopy or EKG. The accident insurance benefit is portable should you leave the College or transfer to a part-time position. This would allow you to continue your plan on an individual policy with no interruption in benefits.
To locate the claim form instructions: my Tri-C space > Employee > Employee Quicklinks > Benefit Plan Information> Accident Insurance
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This guide offers an overview of you flexible benefits at the College. Full Details are available on my Tri-C space.
