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Accident Insurance
The Lincoln Group Accident Insurance Plan At-A-Glance
- Provides cash benefits if you or a covered family member is accidentally injured while off the job.
- Features group rates for Open Door employees.
- Benefits are focused on the family, safety, and accident prevention.
Emergency Treatment Cash Benefit
| Ambulance | $300 |
| Air ambulance | $1,500 |
| Emergency care | $200 |
| X-ray (within 60 days of the accident) | $40 at initial visit |
| Initial care visit | $100 |
| Major diagnostic exam | $200 |
Fractures* Cash Benefit
| Fingers, toes | $50 |
| Ankle, arm (elbow to wrist), elbow, foot (except toes), hand (except fingers), kneecap, rib, shoulder blade, vertebral process, wrist | $250 |
| Coccyx, collarbone, lower jaw, sternum | $300 |
| Arm (shoulder to elbow), bones of the face, nose, upper jaw | $500 |
| Leg (knee to ankle), pelvis, skull non-depressed, vertebral body | $1,000 |
| Hip, leg (hip to knee) | $1,500 |
| Skull depressed | $2,000 |
| Surgical treatment | 2x nonsurgical benefit |
| Chip fracture | 25% of fracture benefit |
Dislocations* Cash Benefit
| Fingers, toes | $50 |
| Collarbone (acromio and separation), elbow, hand (except fingers) lower jaw, shoulder, wrist | $250 |
| Ankle, collarbone (sternoclavicular), foot (except toes) | $500 |
| Knee (except kneecap) | $1,000 |
| Hip | $1,500 |
| Surgical treatment | 2x nonsurgical benefit |
| Partial dislocation | 25% of dislocation benefit |
Specific Injuries Cash Benefit
| Blood, plasma, platelets | $500 |
| 2nd or 3rd-degree burns: based upon surface area burned | $150-$15,000 |
| Skin grafts | 25% of burn benefit |
| Concussion | $200 |
| Dental crown | $2,00 |
| Dental extraction | $100 |
| Eye (surgical repair) | $400 |
| Eye (removal of foreign object) | $200 |
| Laceration: based upon the need for and length of sutures | $50-$600 |
| Traumatic brain injury | $7,500 |
| Surgical benefits:* – Arthroscopic – Cranial – Hernia – Thoracic/open abdominal – Ligaments, tendons, rotator cuff – Knee cartilage – Ruptured disc – Surgical repair under general anesthesia – Surgical repair under conscious sedation | $200 $1,500 $200 $2,000 $1,000 $1,000 $1,000 $300 $150 |
Hospitalization and Ongoing Care Cash Benefit
| Accident hospital admission | $1,000 |
| Accident intensive care admission | $1,500 |
| Accident hospital daily confinement | $200 |
| Accident intensive care daily confinement | $400 |
| Alternative care/rehab facility daily confinement | $150 |
| Physician follow-up visits (up to 2 visits) | $75 |
| Physical, occupational, and chiropractic therapy (up to 6 sessions) | $35 |
| Epidural/cortisone pain management (up to 1 injection) | $75 |
| Medical mobility devices | $75 |
| Wheelchair (expected use less than one year) | $150 |
| Wheelchair (expected use one year or more) | $300 |
| Prothesis (per limb) | $750 |
Recovery Assistance Cash Benefit
| Family care | $100 |
| Companion lodging (100+ miles from home) | $200 per night, up to 30 nights |
| Transportation (100+ miles from home) | $400 per trip, up to three trips |
Moving Vehicle Cash Benefit
| Moving vehicle injury | $100 |
| Moving vehicle death | $2,500 |
| Safe driver injury/death: seat belt | Additional 25% of motor vehicle injury or death benefit |
| Safe driver injury/death: air bag | Additional 25% of motor vehicle injury or death benefit |
| Safe driver injury/death: motor vehicle helmet | Additional 25% of motor vehicle injury or death benefit |
| Safe rider: other helmet (bicycle, scooter, skateboard, etc.) | $100 |
Accidental Death and Dismemberment Cash Benefit
| Accidental death – Your death – Your spouse or life partner – Your child | $25,000 $10,000 $5,000 |
| Common carrier death – Your death – Your spouse or life partner – Your child A common carrier is any land, air, or water conveyance licensed to transport passengers for hire. | $50,000 $20,000 $10,000 |
| Transportation of remains | $5,000 |
| Loss of hand, foot, arm, leg, eye, or hearing in one ear | $5,000 |
| Loss of finger, thumb, toe | $250 |
| Severe loss (loss of sight in both eyes, loss of hearing in both ears, loss of speech, loss of both arms, loss of both legs, loss of arm and leg, paraplegia, loss of both arms and both legs, quadriplegia) | $10,000 |
| Education: This benefit is paid in an insured person dies within 365 days of a covered accident and is survived by one or more full-time students. The education benefit is payable for each full-time student. | 10% of Accidental death benefit |
| Spouse training: This benefit is paid if a covered employee or dependent spouse dies within 365 days of a covered accident and the surviving spouse is enrolled as a student. The spouse training benefit covers students enrolled in any school that retrains or refreshes skills needed for employment within 365 days from the date of death. | 10% of Accidental death benefit |
| Modification to home/auto: This benefit is payable for modifications to make the principal residence accessible or the vehicle ridable if the insured suffers a severe loss. This benefit is payable once per person within 365 days of the accident. | $1,000 |
Health Assessment Benefit
| You receive a cash benefit every year you and any of your covered family members complete a single covered assessment test | $50 |
Additional Plan Benefits
| Portability | Included |
| Child Sports Injury Benefit | Included |
Per Pay Rates
As an Open Door employee, you can take advantage of this accident insurance plan for less than $0.38 a day. Plus, you can add loved ones to the plan for just a little more.
Semi-monthly Premiums for Accident Insurance
| Accident Coverage | Semi-Monthly Premium |
|---|---|
| Employee only | $5.67 |
| Employee & spouse | $9.59 |
| Employee & child/children | $10.98 |
| Employee & family | $14.46 |
