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Plan Description

Why Purchase Accident Insurance?
The harsh reality is people often disregard the possibility of accidental injuries... Are you protected? Accidents can cause unforeseen financial burden, such as unpaid leave, uncovered out-of-pocket expenses and hospital confinement. In fact, 4 out of 10 people are treated in emergency rooms each year,(1) and the typical length of a hospital stay is five days, costing nearly $10,000. (2)
What is Accident Insurance?
With the cost of health insurance becoming increasingly expensive, more employers are choosing to offer insurance plans with high deductibles or cutting back on coverage altogether. Accident Insurance can be an expense management solution. It provides protection from the unanticipated expense of accidental injuries by paying cash benefits upfront for qualified accidents. The benefits can be used to help pay the out-of-pocket costs of medical treatment such as deductibles and copays, or other diagnostics or therapy that primary insurance doesn’t always cover. Accident insurance benefits can also be used to help with living expenses, such as mortgage, rent, car payments, gas, childcare or groceries. This Accident Insurance offers three affordable plans with options for spouse and dependent coverage.



All three plans include these benefits (View details below on each plan):
■ Physician Office Visit■ Continuous Care■ Outpatient Diagnostics■Prosthetics
■ Hospital Admission-Skilled Nursing Facility-X-Ray■ Coma
■ Hospital Confinement-Rehabiliation Facility-MRI■ Fractures
■ Hospital Intensive Care Unit-Rehabilitation Unit-MRA■ Dislocations
■ Ground/Air Ambulance-Home Health Care-CAT Scan■ Burns
■ Emergency Room-Hospice Care-PET Scan■ Transportation
■ Diagnostic Exams■ Anesthesia/Surgery-CT Scan■ Lodging
-Lab-Abdominal■ Wellness and Preventive Care
-EKG-Thoratic■ Accidental Death
-Other Tests-Tendon■ Accidental Dismemberment

-Ligament■ Paralysis

-Rotator Cuff

    
 

Archway Accident Gold

Archway Accident Platinum

Archway Accident Diamond

EligibilityCoverage 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 Deadline17th of the month prior to effective date
AvailabilityAvailable in ALL States
Issue Age18 to 7418 to 7418 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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