Group Accident Insurance
Protect Yourself And Your Loved Ones Against Unforeseen Costs Of An Accident
Accident insurance will provide you with a way to strengthen financial security. An accident could easily leave you financially strained. While it’s common to feel that health plans and disability insurance have you safely covered for accidents, there can be significant gaps in their protection. Accident Insurance provides a lump sum benefit based on the type of injury (or covered incident) you sustain or the type of treatment you need. Review full plan information below.
Contact Information
Carrier: Guardian
Website: https://www.guardianlife.com/
Phone: Guardian Accident Claims 1-800-541-7846; Guardian Benefits Hotline 1-800-600-1600
Eligibility: All employees (>20 hours)
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| COVERED INJURIES | Advantage Plan | Premier Plan |
|---|---|---|
| Accident Coverage | On & Off Job | On & Off Job |
| Accident Emergency Treatment | $300 | $500 |
| Accident Follow-Up Visit - Doctor | $50/day up to 2 visits | $50/day up to 2 visits |
| Ambulance | $200 | $300 |
| Appliance | $125 | $175 |
| Burns (2nd Degree/3rd Degree) | 9 sq inches to 18 sq inches: $0/$2,000 18 sq inches to 35 sq inches: $1,000/$4,000 Over 35 sq inches: $3,000/$12,000 | 9 sq inches to 18 sq inches: $0/$2,000 18 sq inches to 35 sq inches: $1,000/$4,000 Over 35 sq inches: $3,000/$12,000 |
| Burn – Skin Graft | 50% of burn benefit | 50% of burn benefit |
| Child Organized Sport | 20% increase to child benefits | 20% increase to child benefits |
| Chiropractic Visits | $50/day up to 5 visits | $75/day up to 5 visits |
| Coma | $10,000 | $12,500 |
| Concussions | $300 | $450 |
| Dislocations | Schedule up to $8,000 | Schedule up to $12,000 |
| Diagnostic Exam (Major) | $500 | $500 |
| Eye Injury | $500 | $750 |
| Fracture | Schedule up to $10,000 | Schedule up to $15,000 |
| Hospital Admission | $2,000 | $3,000 |
| Hospital Confinement | $500/day, up to 1 yr | $750/day, up to 1 yr |
| Hospital ICU Admission | $4,000 | $6,000 |
See SPD, SBC, brochures, flyers and/or policy contract for full detail. Final rates can fluctuate a few cents on your paycheck. The benefit highlights and summaries are not an official outline of coverage.
