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Personal Accident Indemnity Plan - AFLAC
<p>Approximately 40% of all hospital emergency room visits are injury related. Accident expense insurance is designed to pay you directly, regardless of any other insurance you may have. This added protection provides 24 hour coverage to help defray the cost of out-of-pocket expenses resulting from such incidents.</p> <p><strong>Coverage Options<br> </strong>Coverage can be purchased for yourself, your spouse or domestic partner, and dependent children to age 23 (if full-time student). For the Health Alliance definition of domestic partner, <a href="eligibility.htm">Your Eligibility for Health Alliance Benefits</a>. Benefits provided by this policy include:</p> <ul> <li>Initial accident hospitalization - $1,000 on inpatient stays for covered accidents (no lifetime maximum). </li> <li>If admitted to the insensive care unit, AFLAC will pay $1,500 <br> Accident emergency treatment - $120 for the insured, spouse or domestic partner; and $70 for each child who receives emergency treatment for injuries sustained in a covered accident. </li> <li>Hospital confinements - $200 per day for every day of inpatient hospitalization (up to 365 days per covered accident). </li> <li>Intensive care - $400 per day for every day of inpatient intensive care unit hospitalization (maximum of 15 days per covered accident). </li> </ul> <p>Other specified injury and miscellaneous benefits payable under a pre-determined payment schedule include:</p> <table width="100%" border="0" cellpadding="6"> <tr> <td><p>Burns ($100 - $10,000) </p></td> <td><p>Dislocations ($50 - $2,000) </p></td> </tr> <tr> <td><p>Fractures ($100 - $2,000) </p></td> <td><p>Lacerations ($50 - $400) </p></td> </tr> <tr> <td><p>Ruptured discs ($500) </p></td> <td><p>Tendon & ligaments ($500) </p></td> </tr> <tr> <td><p>Out-patient blood and plasma ($100) </p></td> <td><p>Physical therapy ($25 - up to 6 per accident) </p></td> </tr> <tr> <td><p>Transportation out of area (up to $300) </p></td> <td><p>Prosthesis ($100 - $500) </p></td> </tr> <tr> <td><p>Ambulance ($100 to $500) </p></td> <td><p>Family lodging if over 100 miles ($100 per night) </p></td> </tr> <tr> <td><p>Accidental Death and Dismemberment (from $250 for the loss of a finger to $100,000 for death in a common carrier accident </p></td> <td><p>Wellness benefits - $60 per year (benefit allowance offered after insurance is in effect for 12 months). </p></td> </tr> </table> <p> This insurance is guaranteed issue. This means that there are no underwriting requirements or pre-existing condition limitations.</p> <p><strong>Cost of Coverage<br> </strong>The cost of coverage varies depending on the individuals covered. Premiums are deducted on a pre-tax basis from every paycheck. However, if your policy includes coverage for a domestic partner, deductions are taken on an after-tax basis.</p> <p><strong>Enrollment Contact<br> </strong>Information and enrollment assistance with this benefit should be obtained through an insurance representative. Please call <strong>B</strong><strong>recek & Young Advisors, Inc. at 513-721-2513</strong></p>
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