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


Phone: Guardian Accident Claims 1-800-541-7846; Guardian Benefits Hotline 1-800-600-1600 

Eligibility: All employees (>20 hours)

COVERED INJURIESAdvantage PlanPremier Plan
Accident CoverageOn & Off JobOn & Off Job
Accident Emergency Treatment$300$500
Accident Follow-Up Visit - Doctor$50/day up to 2 visits$50/day up to 2 visits
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/$12,0009 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 Graft50% of burn benefit50% of burn benefit
Child Organized Sport20% increase to child benefits20% increase to child benefits
Chiropractic Visits$50/day up to 5 visits$75/day up to 5 visits
DislocationsSchedule up to $8,000Schedule up to $12,000
Diagnostic Exam (Major)$500$500
Eye Injury$500$750
FractureSchedule up to $10,000Schedule 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.