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Plan Description

 

KEY BENEFITS

  • Helps pay expenses not covered by medical insurance

  • Covers a wide range of treatments due to an accident

  • Pays money directly to you, not medical providers

  • Pays an extra 25% of total benefits for injuries during youth organized sports


What Is Accident Insurance?

Accident insurance can help keep your finances on track when an accident happens.

Your medical insurance will cover some of the expenses, but you'll be left to foot the bills for your copays and deductible. Those can add up fast, especially if you're unable to work while you recover. That's where Group Accident insurance comes in: It helps protect your bank account from the out-of-pocket expenses that can come with an injury — whether you're coping with a broken arm or recovering from a serious car accident.

How Does Accident Insurance Work?

In the event of a covered accident, your Accident insurance will pay a benefit directly to you. You can use this money wherever you need it most — whether that's to help with your deductible, copay and other medical bills, or your daily expenses while you recover.


BENEFIT EXAMPLES

Don't Let an Accident Stop Your Financial Plans

Accident insurance is an affordable way to help cover the gap between what your health insurance covers and what you'd owe out of pocket if you or a family member were to get injured. It's protection that's also convenient.

 

Back surgery

Falling Off a Ladder
While cleaning the gutters, Kang lost his footing and fell off the ladder. He felt a lot of pain, but thought that a little ice would fix him up. The next day, he was in worse shape and visited an urgent care facility where it was determined that he had fractured his arm and dislocated his elbow. He then needed some physical therapy to get back to full strength. His Accident Insurance benefits helped protect his savings from the out-of-pocket costs he incurred.

Kang's insurance paid benefits for:

  • Urgent care
  • X-ray
  • Dislocated elbow
  • Arm fracture
  • Physician follow-up
  • Physical therapy (two sessions)

 

*Example is for illustrative purposes. Eligibility for benefits and amounts shown in this example may vary from any policy your employer may offer and may vary based upon your individual circumstances, policy definitions, waiting periods, exclusions and limitations.

 

Pregnancy

Youth Sports Injury
Emily's 15-year-old daughter was playing soccer in a tournament. While she was attempting a slide tackle, her leg got tangled with her opponent, and she was unable to walk. Emily took her to an ER, where the scans revealed a torn ACL and meniscus. After her daughter's knee surgery, Emily used part of her Accident Insurance benefit to pay the copays she incurred under her medical insurance plan.

Emily's insurance paid benefits for:

  • Emergency room
  • X-ray
  • MRI
  • Knee surgery
  • Surgical facility
  • Crutches
  • Physician follow-up
  • Physical therapy (two sessions)
  • Youth Organized Sports — paid an extra 25% of total benefits

 

*Example is for illustrative purposes. Eligibility for benefits and amounts shown in this example may vary from any policy your employer may offer and may vary based upon your individual circumstances, policy definitions, waiting periods, exclusions and limitations.

Asthma

Mountain Bike Accident
Warren was mountain biking with friends in the hills near his home, and an errant rock caught his front tire. He went over the handlebars and landed badly on his hand and shoulder. His friends managed to help him limp back to the trailhead and called 911. An x-ray at the emergency room showed a wrist and collarbone injury, and he had to stay in the hospital for observation. His Accident Insurance benefit helped cover the expenses he incurred from the injury, including the deductible from his medical insurance.

Warren's insurance paid benefits for:

  • Ground ambulance
  • Emergency room
  • X-ray
  • Dislocated collarbone
  • Wrist fracture
  • Hospital admission
  • One-day hospital stay
  • Physician follow-up

 

*Example is for illustrative purposes. Eligibility for benefits and amounts shown in this example may vary from any policy your employer may offer and may vary based upon your individual circumstances, policy definitions, waiting periods, exclusions and limitations.

 

Hospital

Hit By a Car
Dante was visiting a nearby city and taking a walking tour to see the sights. While crossing the road, he was struck by a car. An ambulance took him to the hospital, where they found multiple fractures. Because of the severity of his injuries, he had to stay in the hospital for five days. The benefits from his Accident Insurance coverage helped him cover his copayments and meet the deductible under his medical insurance plan as well as some of the out-of-pocket expenses related to his family's travel to and from the hospital. He even used part of the benefits for his prescribed physical therapy to help him get back on his feet.

Dante's insurance paid benefits for:

  • Ground ambulance
  • Emergency room
  • CAT scan
  • Hospital admission
  • Five-day hospital stay
  • Leg fracture
  • Kneecap fracture
  • Two physician follow-ups
  • Physical therapy (two sessions)

 

*Example is for illustrative purposes. Eligibility for benefits and amounts shown in this example may vary from any policy your employer may offer and may vary based upon your individual circumstances, policy definitions, waiting periods, exclusions and limitations.

 

 

BENEFITS

All three plans include these benefits (View details below on each plan):
 
       
 

Archway Accident Gold

Archway Accident Platinum

Archway Accident Diamond

Eligibility Coverage is available for ages 18 - 74
Most employees working 20 hours or more per week are eligible
Available for Spouse ages 18-7 4 and Dependent Children (unmarried) ages 0-25
Enrollment Deadline 18th of month Prior to Effective date
Availability Available in ALL States
Issue Age 18 to 74 18 to 74 18 to 74
INPATIENT
Daily Hospital Confinement
Maximum

$150 / Day
365 Days

$225 / Day
365 Days
$250 / Day
365 Days
Hospital Admission
Per Hospital Confinement
$1,000 $1,500 $2,000
Daily Intensive Care
Maximum

$450 / Day
30 Days

$475 / Day
30 Days
$500 / Day
30 Days
Surgery: Abdominal, Thoracic, Tendon, Ligament, Rotator Cuff $750 / Day $1,000 / Day $1,500 / Day
Anesthesia $187.50 /Day $250 /Day $375 /Day
Continuous Care(1)
Maximum

$90 / Day
30 Days

$135 / Day
30 Days
$150 / Day
30 Days
OUTPATIENT
Physician's Office

$25 / Day
6 Per Calendar Year

$50 / Day
6 Per Calendar Year
$50 / Day
6 Per Calendar Year
Wellness Benefit $25 / Day
1 Per Calendar Year
$25 / Day
1 Per Calendar Year
$50 / Day
1 Per Calendar Year
Emergency Room $75 / Day
3 Per Calendar Year
$100 / Day
3 Per Calendar Year
$125 / Day
3 Per Calendar Year
Lab, EKG and other Diagnostic Tests $20 Per Test Day
1 Per Calendar Year
$20 Per Test Day
1 Per Calendar Year
$25 Per Test Day
1 Per Calendar Year
X-Ray, Echocardiography and Cardiovascular Ultrasound $20 Per Test Day
2 Per Calendar Year
$30 Per Test Day
2 Per Calendar Year
$40 Per Test Day
2 Per Calendar Year
Advanced Studies(2) $100 / Day
1 Per Calendar Year
$150 / Day
1 Per Calendar Year
$200 / Day
1 Per Calendar Year
Ambulatory Surgical Center $25 / Day $25 / Day $50 / Day
Surgery: Abdominal, Thoracic, Tendon, Ligament, Rotator Cuff $750 / Day $1,000 / Day $1,500 / Day
Anesthesia $187.50 /Day $250 /Day $375 /Day
Ambulance Services Ground $120 / Day
1 Per Calendar Year
$200 / Day
1 Per Calendar Year
$200 / Day
1 Per Calendar Year
Ambulance Services Air $1,000 / Day
1 Per calendar Year
$2,000 / Day
1 Per calendar Year
$2,000 / Day
1 Per calendar Year
Lodging Maximum $100 I Day
15 Per calendar Year
$125 / Day
15 Per calendar Year
$150 / Day
15 Per calendar Year
Prosthesis $500 $1,000 $1,500
Transportation $300 / Day
3 Per Calendar Year
$500 / Day
3 Per Calendar Year
$600 / Day
3 Per Calendar Year
Accidental Death $20,000 $20,000 $20,000
Accidental Death on Common earner $40,000 $40,000 $40,000
Dislocation Benefit $1,000 $1,000 $1,000
Fracture Benefit $1,000 $1,000 $1,000
Burn Benefit $7,500 $10,000 $10,000
Coma $10,000 $15,000 $20,000
Dismemberment $10,000 $15,000 $20,000
Paralysis $10,000 $10,000 $10,000
(1) Continuous Care means care received in a Skilled Nursing Facility, Rehabilitation Facility, Rehabilitation Un􀀃 or Home Health Care or Hospice. The Continuous Care must begin within 7 days following discharge from a hospital and be necessary to treat the same condition that caused the hosp􀀃alization. Benefits are payable for a period equal to the length of the preceding hospital stay not to exceed 30 days.

(2) Advanced studies tests consist of the following: Magnetic Resonance Imaging (MRI); Magnetic Resonance Angiography (MRA); Computed Axial Tomography (CAT Scans); Pos􀀃ron Emission Tomography (PET Scans); and Computed Tomography (CT scans).
   
(1) Injury facts. (2014). Itasca, IL: National Safety Council.

(2) Moore, B., Levit, K., & Elixhauser, A. (2014, October). Costs for Hospital Stays in the United States, 2012 #181. Retrieved March 02, 2017, from https://www.hcup-us.ahrq.gov/reports/statbriefs/sb181-Hospital-Costs-United- States-2012.jsp
   
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About Standard Life and Accident Insurance Company

Standard Life and Accident Insurance Company (Standard Life) was founded to provide clients with realistic life and health products that solve their needs for financial security.

Since its inception, more than 70 years ago, the Company's ethic has never changed. "People's needs change from day to day. The shrinking value of the dollar makes insurance protection more important to the individual...We must develop think-ahead programs today which will provide benefits in keeping with the economic changes of tomorrow. While we've grown so fast, it has not been at the expense of the human factor, so vital to this business. Efficiency is emphasized. However, we try never to lose sight of the personal aspects of our relations with policyowners and business clients, as well as our own agents and employees." Leonard H. Savage, President 1948-1973, Standard Life and Accident Insurance Company.

Standard Life and Accident Insurance Company (“Standard Life”) has been evaluated and assigned the following ratings by nationally recognized, independent rating agencies. The ratings are current as of November 2018.

A.M. Best1: A
Standard & Poor's2: A-  

Ratings reflect current independent opinions of the financial capacity of an insurance organization to meet the obligations of its insurance policies and contracts in accordance with their terms. They are based on comprehensive quantitative and qualitative evaluations of the company and its management strategy. The rating agencies do not provide ratings as a recommendation to purchase insurance or annuities. The ratings are not a warranty of an insurer’s current or future ability to meet its contractual obligations. 

Ratings may be changed, suspended, or withdrawn at any time.

1A.M. Best’s active company rating scale is: A++ (Superior), A+ (Superior), A (Excellent), A- (Excellent), B++ (Good), B+ (Good), B (Fair), B- (Fair), C++ (Marginal), C+ (Marginal), C (Weak), C- (Weak) and D (Poor).

2Ratings from ‘AA’ to ‘CCC’ may be modified by the addition of a plus (+) or minus (-) sign to show relative standing within the major rating categories. For a list of Standard & Poor's active company rating scale visit www.standardandpoors.com.






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