A r e yo u. Group Accident Insurance Helps cover costs associated with injury treatments. Benefit coverage for Showplace Wood Products WORK TRAVEL

Size: px

Start display at page:

Download "A r e yo u. Group Accident Insurance Helps cover costs associated with injury treatments. Benefit coverage for Showplace Wood Products WORK TRAVEL"

Stella Carr
5 years ago
Views:

Aidn Insurn Hlps ovr oss ssoid wih injury rmns Group Volunry Aidn ovrg

1 A r yo u p ro d f ro m? s n d i s f i l h s g in h r r h T ily do m f r u o y r o u o y d o l y m h y il d ry nd ju in l n id n pnss. x k o p fo ou SPORTS TRAVEL WORK Bnfi ovrg for Showpl Wood Produs Group Aidn Insurn Hlps ovr oss ssoid wih injury rmns Group Volunry Aidn ovrg from Alls Bnfis pys sh bnfis for xpnss ssoid wih n idnl injury nd n hlp pro hrd-rnd svings should n on- or off-h-job idnl injury our. ABJ30098X Pg 1 of 6

group volunry idn No on plns o hv n idn. Bu, i n hppn ny momn hroughou h dy, whhr work or ply. Mos mjor mdil insurn plns only py porion of h bills.

* Th mploy hooss bnfi ovrg undr his Employr Approvd Pln 2 yrs lr h mploy is rvling o work, is in r idn, nd is ir lifd o h hospil Employ inurrd xpnss for srvis in nd ou of h hospil.

500 3-Dy Hospil Sy $ 300 Oupin Door Visi $ 25 Wih Aidn Covrg Addiionl dollrs o py for opy, dduibl nd ohr oss Bnfis pid: $2,880 Wihou Aidn Covrg No ddiionl dollrs o py for opy, dduibl or ohr ou-of-pok

2 group volunry idn No on plns o hv n idn. Bu, i n hppn ny momn hroughou h dy, whhr work or ply. Mos mjor mdil insurn plns only py porion of h bills. Our ovrg n hlp pik up whr ohr insurn lvs off nd provid sh o ovr h xpnss. Our idn ovrg hlps offr p of mind whn n idnl injury ours. Blow is n xmpl of how bnfis r pid.* Th mploy hooss bnfi ovrg undr his Employr Approvd Pln 2 yrs lr h mploy is rvling o work, is in r idn, nd is ir lifd o h hospil Employ inurrd xpnss for srvis in nd ou of h hospil. In ddiion o wh mjor mdil insurn pid, our idn bnfis pid for: Air Ambuln Srvi $ 300 Hospil Admission $ 500 Opn Abdominl/Thori Surgry $ 1,000 Mdiin $ 5 Mdil Expnss (surgry) $ 250 Iniil Hospil Confinmn $ Dy Hospil Sy $ 300 Oupin Door Visi $ 25 Wih Aidn Covrg Addiionl dollrs o py for opy, dduibl nd ohr oss Bnfis pid: $2,880 Wihou Aidn Covrg No ddiionl dollrs o py for opy, dduibl or ohr ou-of-pok oss Bnfis pid: $0 *Th xmpl shown my vry from h pln your mployr is offring. Your individul xprin my lso vry. ming your nds Our Aidn ovrg hlps offr p of mind whn n idnl injury ours. Covrg h is Gurnd Issu; hr r no mdil xms or ss o k Bnfis h orrspond wih rmn for on- nd off-h-job idnl injuris inluding hospilizion, mrgny rmn, innsiv r, frurs, plus mor 24-hour idn ovrg for yourslf or your nir fmily Affordbl prmiums Bnfis pid dirly o you, unlss you ssign hm o somon ls Addiionl ridr bnfis hv bn ddd o h pln, nd r dsignd o nhn your ovrg Coninuion of ovrg your bnfi ovrg Aidnl Dh - Pys bnfi for idnl dh. Common Crrir Aidnl Dh - Pys bnfi for dh whil riding s fr-pying pssngr on shduld ommon rrir. Dismmbrmn - Pys bnfi for dismmbrmn. Mulipl dismmbrmns during h sm injury r limid o h prinipl moun lisd on pg 2. Disloion or Frur - Pys bnfi for disloion or frur. Mulipl disloions or frurs during h sm injury r limid o h prinipl moun lisd on pg 2. Iniil Hospil Confinmn - Pys bnfi whn you r onfind in hospil for h firs im fr your ffiv d. Hospil Confinmn - Pys bnfi whn you r onfind in hospil. Innsiv Cr - Pys bnfi whn you r onfind in hospil innsiv-r uni. Ambuln - Pys bnfi for you o b rnsfrrd by mbuln srvi o or from hospil. Mdil Expnss - Pys bnfi whn you hv mdil xpnss. Oupin Physiin s Trmn - Pys bnfi whn you r rd by physiin ousid of hospil for ny rson, subj o h limiions on pg 4. Pg 2 of 6 ABJ30098X Pys sd mouns for idns only. Bnfi mouns r shown on pgs 2 nd/or 2b. S pg 4 for limis nd ondiions nd s vriion.

Spors n ld o idns Child is hur plying bll is kn o h hospil nd is sn by physiin BENEFIT ENHANCEMENT RIDER Hospil Admission - Pys bnfi for your firs hospil onfinmn, fr you hv bn oninuously ovrd by his

3 Spors n ld o idns Child is hur plying bll is kn o h hospil nd is sn by physiin BENEFIT ENHANCEMENT RIDER Hospil Admission - Pys bnfi for your firs hospil onfinmn, fr you hv bn oninuously ovrd by his ridr for 12 monhs. Mus b onfind wihin 3 dys fr h idn. Lrions - Pys bnfi whn you riv rmn for 1 or mor us wihin 3 dys fr n idn. Burns - Pys bnfi whn you riv rmn for burns, ohr hn sun burns, wihin 3 dys fr n idn. Skin Grf** - Pys bnfi whn you riv skin grf for ovrd burn. Brin Injury Dignosis - Pys bnfi whn you r dignosd wih 1 of hs wihin 30 dys fr n idn: onussion, rbrl lrion, rbrl onusion, or inrrnil hmorrhg. Mus b firs rd by physiin wihin 3 dys fr h idn. Compud Tomogrphy (CT) Sn nd Mgni Rsonn Imging (MRI)* - Pys bnfi whn you riv CT sn or MRI. Mus b firs rd by physiin wihin 30 dys fr h idn. Prlysis - Pys on-im bnfi whn you r prlyzd from spinl ord injury for ls 90 dys. Mus b onfirmd by physiin wihin 3 dys fr h idn. Com Wih Rspirory Assisn - Pys on-im bnfi whn you r in om for ls 7 dys. Mdilly indud oms r no ovrd. Opn Abdominl or Thori Surgry - Pys bnfi whn you hv surgry for inrnl injuris wihin 3 dys fr h idn. Tndon, Ligmn, Roor Cuff or Kn Crilg Surgry* - Pys bnfi whn you hv surgry o rpir ndon, ligmn, roor uff or kn rilg; or for xplorory rhrosopi surgry. Rupurd Dis Surgry* - Pys bnfi whn you hv surgil produr o rpir rupurd spinl dis. Ey Surgry** - Pys bnfi whn you hv surgry or forign obj rmovd from h y. Gnrl Anshsi* - Pys bnfi for gnrl nshsi for ovrd surgry. Blood nd Plsm - Pys bnfi for blood or plsm rnsfusion wihin 3 dys fr n idn. Applin** - Pys bnfi for 1 of h following: whlhir, ruhs, or wlkr. Mdil Supplis** - Pys bnfi for ovr-h-ounr mdil supplis. Mdiin** - Pys bnfi for prsripion or ovr-hounr mdiin. Proshsis* - Pys bnfi for physiin-prsribd proshi rm, lg, hnd, foo or y whn bnfi is lso pid undr h Dismmbrmn bnfi. Physil Thrpy** - Pys bnfi for physiin-prsribd physil hrpy wihin 6 monhs fr h idn. No pybl for hiropri srvis or for h sm visi h h Aidn Follow-up Trmn bnfi is pid. Rhbiliion Uni - Pys bnfi whn you r onfind in rhbiliion uni fr hospil sy. No pybl for dys h h Dily Hospil Confinmn bnfi is pid. Non-Lol Trnsporion - Pys bnfi whn you hv physiin-prsribd rmn hospil or rmn nr mor hn 100 mils from your hom. Fmily Mmbr Lodging - Pys bnfi whn on dul fmily mmbr ompnis you o riv rmn hospil or rmn nr mor hn 100 mils from h fmily mmbr s hom. Pos-Aidn Trnsporion - Pys bnfi whn you r hospil-onfind for ls 3 dys in row mor hn 250 mils from your hom, nd you r brough hom by ommon rrir. Aidn Follow-Up Trmn** - Pys bnfi whn you riv follow-up rmn from physiin in hir offi or in hospil s n oupin. Mus k pl wihin 6 monhs fr h idn. No pybl for h sm visi for whih h Physil Thrpy bnfi is pid. *Mus bgin or b rivd wihin 180 dys of h idn. **Mus bgin, b rivd, or prformd wihin 90 dys of h idn. Providd bnfi is lso pid undr h Mdil Expnss bnfi. ABJ30098X Pg 3 of 6

4 ovrg spifiions Condiions nd Limis - Whn n injury rsuls in ovrd loss wihin 90 dys (180 dys for dismmbrmn or dh), unlss ohrwis sd, from h d of n idn, nd is dignosd by physiin, Alls Bnfis will py bnfis s sd. Trmn mus b rivd in h Unid Ss or is rrioris. STATE VARIATION Souh Dko (hng ffs pg 4) - Crifi nd Bnfi Enhnmn Ridr Exlusions nd Limiions prgrph, im (d) is dld. Your Eligibiliy - Your mployr dids who is ligibl for your group (suh s lngh of srvi nd hours workd h wk). Issu gs r 18 nd ovr. Dpndn Eligibiliy/Trminion - () Covrg my inlud you, your spous nd hildrn. (b) Covrg for hildrn nds whn h hild rhs g 26, unlss h or sh oninus o m h rquirmns of n ligibl dpndn. () Spous ovrg nds upon vlid dr of divor or your dh. Whn Covrg Ends - Covrg undr h poliy nds on h rlis of: () h d h poliy is nld; (b) h ls dy of h priod for whih you md ny rquird onribuions; () h ls dy you r in iv mploymn, xp s providd undr h Tmporrily No Working provision; (d) h d you r no longr in n ligibl lss; or () h d your lss is no longr ligibl. Coninuion of Covrg - You my b ligibl o oninu ovrg whn ovrg undr h poliy nds. Crifi nd Bnfi Enhnmn Exlusions nd Limiions - Bnfis r no pid for: () injury inurrd bfor h ffiv d; (b) of wr or priipion in rio, insurrion or rbllion; () suiid or mp suiid; (d) ny injury whil undr h influn of lohol or ny nroi unlss kn on h dvi of physiin; () bril infion (xp pyogni infions from n idnl u or wound); (f) priipion in ronuis unlss fr-pying pssngr on linsd ommon-rrir irrf; (g) ommiing or mping n ssul or flony; (h) driving in ny r or spd s or sing ny vhil on ny rrk or spdwy; (i) hrni, inluding ompliions; or (j) srving s n iv mmbr of h Miliry, Nvl, or Air Fors of ny ounry or ombinion of ounris. ABJ30098X Pg 4 of 6

Don wi for sign... An idnl injury n b osly, spilly if you r finnilly unprprd.

you my f. Don wi unil you r rushd o h mrgny room o rliz you nd mor proion.

You n rly on our Group Aidn Insurn o hlp provid h finnil ssisn you nd whn you nd i mos so you n

5 Don wi for sign... An idnl injury n b osly, spilly if you r finnilly unprprd. Your urrn mdil ovrg will hlp py for xpnss ssoid wih n injury, bu won ovr ll of h ou-of-pok xpnss you my f. Don wi unil you r rushd o h mrgny room o rliz you nd mor proion. Sr hinking bou h fuur of your finns ody nd pln for ny mrgny h oms your wy. You n rly on our Group Aidn Insurn o hlp provid h finnil ssisn you nd whn you nd i mos so you n onnr on your rovry. Pg 5 of 6 ABJ30098X If you suffr n idnl injury, would you b bl o hndl h xr xpnss ssoid wih your rovry? I s nvr oo rly o prpr for h fuur.

6 This mril is vlid s long s informion rmins urrn, bu in no vn lr hn Jun 1, Group Volunry Aidn bnfis providd by poliy form GVAP1, or s vriions hrof. Bnfi Enhnmn Ridr providd by poliy form GVAPBER, or s vriions hrof. Covrg is providd by Limid Bnfi Supplmnl Aidn Insurn. Th poliy is no Mdir Supplmn Poliy. If ligibl for Mdir, rviw Mdir Supplmn Buyr s Guid vilbl from Alls Bnfis. This brohur highlighs som furs of h poliy bu is no h insurn onr. For ompl dils, on your Alls Bnfis Agn. This is brif ovrviw of h bnfis vilbl undr h Group Volunry Poliy undrwrin by Amrin Hrig Lif Insurn Compny (Hom Offi, Jksonvill, FL). Dils of h insurn, inluding xlusions, rsriions nd ohr provisions r inludd in h rifis issud. This ovrg dos no onsiu omprhnsiv hlh insurn ovrg (ofn rfrrd o s mjor mdil ovrg ) nd dos no sisfy h rquirmn of minimum ssnil ovrg undr h Affordbl Cr A. This brohur is for us in h Showpl Wood Produs nrollmn siusd in: SD Alls Bnfis is h mrking nm usd by Amrin Hrig Lif Insurn Compny (Hom Offi, Jksonvill, FL), subsidiry of Th Alls Corporion Alls Insurn Compny. or llsbnfis.om. Pg 6 of 6 ABJ30098X

7 Bnfi ovrg for Showpl Wood Produs group volunry idn BASE ACCIDENT BENEFITS LOW HIGH Aidnl Dh Employ $20,000 $40,000 Spous $10,000 $20,000 Child $5,000 $10,000 Common Crrir Employ $100,000 $200,000 Aidnl Dh Spous $50,000 $100,000 Child $25,000 $50,000 Dismmbrmn Employ up o $20,000 1 up o $40,000 1 Spous up o $10,000 1 up o $20,000 1 Child up o $5,000 1 up o $10,000 1 Disloion or Frur Employ up o $2,000 1 up o $4,000 1 Spous up o $1,000 1 up o $2,000 1 Child up o $500 1 up o $1,000 1 Iniil Hospil Confinmn 2 $500 $1,000 Hospil Confinmn 3 $100 $200 Innsiv Cr 3 $200 $400 Ambuln Rgulr Ambuln $100 $200 Air Ambuln $300 $600 Mdil Expnss up o $250 up o $500 Oupin Physiin s Trmn 4 $25 $50 BENEFIT ENHANCEMENT RIDER BENEFITS LOW HIGH Hospil Admission 5 $500 $1,000 Lrions 6 $50 $100 Burns* < 15% of body surf $100 $200 > 15% or mor $500 $1,000 Skin Grf (% of Burns)* 50% 50% Brin Injury Dignosis 2 $150 $300 Compud Tomogrphy (CT) Sn nd $50 $100 Mgni Rsonn Imging (MRI) 7 Prlysis 2 Prplgi $7,500 $15,000 Qudriplgi $15,000 $30,000 Com wih Rspirory Assisn 2 $10,000 $20,000 Opn Abdominl or Thori Surgry 8 $1,000 $2,000 Tndon, Ligmn, Roor Cuff Surgry $500 $1,000 or Kn Crilg Surgry 8 Explorory $150 $300 Rupurd Dis Surgry 8 $500 $1,000 Ey Surgry* $100 $200 Gnrl Anshsi $100 $200 Blood nd Plsm* $300 $600 Applin* $125 $250 Mdil Supplis* $5 $10 Mdiin* $5 $10 Proshsis* On Dvi $500 $1,000 Two or Mor $1,000 $2,000 Physil Thrpy 9 $30 $60 Rhbiliion Uni 10 $100 $200 Non-Lol Trnsporion 11 $400 $800 Fmily Mmbr Lodging 12 $100 $200 Pos-Aidn Trnsporion 6 $200 $400 Aidn Follow-Up Trmn 13 $50 $100 *Bnfis r pybl on/ovrd idn/ ovrd prson 1 bsd on mouns shown in h Injury Bnfi Shdul on rvrs 2 pybl on/ovrd prson 3 pr dy, mx. 90 dys/ injury 4 pr visi, mx. 2 visis/ yr, 4 if dpndns r ovrd 5 pybl on/ovrd prson/onfinmn/yr 6 pybl on/ovrd prson/yr 7 pybl on/ovrd prson/idn/yr 8 2 or mor produrs hrough sm nry poin r onsidrd 1 oprion 9 pr dy, mx. 6 rmns/idn/ ovrd prson 10 pr dy, mx. 30 dys/ovrd prson/ onfinmn, mx. 60 dys/yr 11 pr rip, mx. 3 ims/ idn 12 pr dy, mx. 30 dys 13 pr dy, mx. 2 rmns/idn/ ovrd prson ABJ30098X-Insr-SPWP Pg 2

8 injury bnfi shdul Bnfi mouns for ovrg nd on ourrn r shown blow. Covrd spous gs 50% of h mouns shown nd hildrn 25%. LOSS OF LIFE OR LIMB LOW HIGH Lif, or boh ys, hnds, rms, f, or lgs, or on hnd or rm nd on foo or lg $20,000 $40,000 On y, hnd, rm, foo, or lg $10,000 $20,000 On or mor nir os or fingrs $2,000 $4,000 COMPLETE DISLOCATION LOW HIGH Hip join $2,000 $4,000 Kn or nkl join*, bon or bons of h foo* $800 $1,600 Wris join $700 $1,400 Elbow join $600 $1,200 Shouldr join $400 $800 Bon or bons of h hnd*, ollrbon $300 $600 Two or mor fingrs or os $140 $280 On fingr or o $60 $120 COMPLETE, SIMPLE OR CLOSED FRACTURE LOW HIGH Hip, high (fmur), plvis** $2,000 $4,000 Skull** $1,900 $3,800 Arm, bwn shouldr nd lbow (shf), shouldr bld (spul), lg (ibi or fibul) $1,100 $2,200 Ankl, kn p (pll), forrm (rdius or uln), ollrbon (lvil) $800 $1,600 Foo**, hnd or wris** $700 $1,400 Lowr jw** $400 $800 Two or mor ribs, fingrs or os, bons of f or nos $300 $600 On rib, fingr or o, oyx $140 $280 *Kn join (xp pll). Bon or bons of h foo (xp os). Bon or bons of h hnd (xp fingrs). **Plvis (xp oyx). Skull (xp bons of f or nos). Foo (xp os). Hnd or wris (xp fingrs). Lowr jw (xp lvolr pross). prmiums MODE (26 Py) PLAN EE EE + SP EE + CH F Bi-Wkly Low $5.22 $9.46 $10.16 $12.16 High $9.46 $17.94 $19.32 $23.32 EE = Employ; EE + SP = Employ + Spous; EE + CH = Employ + Child(rn); nd F = Fmily Issu Ags: 18 nd ovr if Aivly Work This insr is for us in: SD This insr is pr of brohur ABJ30098X nd is no o b usd on is own. Alls Bnfis is h mrking nm usd by Amrin Hrig Lif Insurn Compny (Hom Offi, Jksonvill, FL), subsidiry of Th Alls Corporion Alls Insurn Compny. or llsbnfis.om. ABJ30098X-Insr-SPWP Pg 2b

A r e yo u. More than half of the 7 million sports and recreation-related injuries that occur each year are sustained by youth between ages 5 and 24.

A r e yo u. More than half of the 7 million sports and recreation-related injuries that occur each year are sustained by youth between ages 5 and 24. P ROTECTI O N soluions A r yo u p ro d f ro m? s n d i s f i l h s g in h r r h T ily do m f r u o y r o u o y d o l y m h y il d ry nd ju in l n id n pnss. x k o p fo ou SPORTS TRAVEL WORK Mor hn hlf