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Common injuries like major cuts, fractures or dislocations can result in hundreds of dollars in out-of-pocket medical expenses and time missed from work. Colonial Life’s Accident Care Insurance includes benefits for initial care (ambulance, ER, Doctor’s Office Visit, etc.), hospitalization, follow up care plus Accidental Death & Dismemberment Benefits – helps offset the unexpected medical expenses due to an accidental injury such as deductibles, co-payments and co-insurance.
- 4 coverage options: Named Insured (Employee, Spouse or Child), Employee & Spouse, One-Parent Family or Two-Parent Family
- Lump Sum Benefits paid directly to you for accidental injuries to help offset out-of-pocket expenses.
- Covered injuries include: dislocations, fractures, burns, concussions, lacerations, emergency dental work for broken teeth, eye injuries resulting in surgical repair or foreign object removal, torn knee cartilage, surgically repaired ruptured disc, and torn/ruptured or severed tendon/ligament/rotator cuff.
- Same level of benefits for employee, spouse and child
- Guaranteed renewable & portable if you should change jobs or retire
Hospital Confinement
This program provides a benefit if you are hospitalized on an inpatient basis due to an accident or sickness that begins after your coverage effective date. Hospital Confinement Insurance will help to offset some of your out-of-pocket expenses and/or a potential loss of earnings during a period of disability. Benefits are paid to you in a lump sum, and are not tied to your actual out-of-pocket medical expenses. Key features of the Hospital Confinement Insurance program include:
- 4 coverage options: Employee, Employee and Spouse, Employee and Children or Family
- Choice of two benefit levels per hospital confinement: $500 or $1,000
- Wellness Benefit: $50 per calendar year for employee only coverage, or two covered tests per calendar year combined for family coverage. 17 covered health screening tests fall under this benefit.
- A rehabilitation unit benefit of $100 per day for up to 15 days per confinement, if you or a covered family member are transferred from the hospital to a rehabilitation facility
- Waiver of premiums if you are continuously hospitalized for more than 31 days.
- All benefits are paid directly to you
- Rates for these plans are based on your age and the coverage you select
- Guaranteed renewable & portable if you should change jobs or retire
Contact Colonial Life
Insurance Carrier: Colonial Life
Phone: (866) 494-6680, Ext. 106
Website: www.coloniallife.com