Accident Insurance
The following information highlights the benefits of the current Accident policy available through your benefits package. If you enrolled in an Accident Plan prior to this year, you may have different benefits and features than those shown here. You should refer to your personal policy for your exact benefits and features. Your Benefits Representative can provide you with further information on which plan you have, and assist with any questions. Please meet with your Benefits Representative during your open enrollment period for any assistance.Plan 1 - On and off-job accident coverage Plan 2 - Off-job only accident coverage |
Most traditional insurance doesn't cover every medical expense, leaving you to pay out-of-pocket expenses such as deductibles, office visit co-payments, and transportation and lodging costs. Can you afford to pay all the costs related to caring for an accidental injury?
Colonial's Accident Insurance is designed to help see you through the different stages of care, this plan provides benefits for initial care and treatment, in addition to the follow-up care you may need.
Initial Care
About 35 percent of all hospital emergency department visits are injury related.
When an accident happens, you don't want to worry about how you will pay for the initial care, especially if you have to go to the emergency room for x-rays or ride in an ambulance.
| Ambulance | $100 per trip | Emergency Room Treatment | $150 per accident |
| Air Ambulance | $500 per trip | Initial Doctor's Office Visit | $50 per accident |
Common Accidental Injuries
The total cost of unintentional injuries in 2004 was $574.8 billion.
Source: Injury Facts, National Safety Council, 2005-2006 edition.
Fractures and dislocations are frequent injuries common in both adults and children.
| Dislocation (Separated Joint) | Open Reduction |
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| Hip | $2,000 | $4,000 |
| Knee | $1,000 | $2,000 |
| Ankle - Bone or Bones of the Foot | $800 | $1,600 |
| Collarbone (Sternoclavicular) | $500 | $1,000 |
| Lower Jaw, Shoulder, Elbow, Wrist | $300 | $600 |
| Bone or Bones of the Hand | $300 | $600 |
| Collarbone (Acromioclavicular and Separation), One Toe or Finger | $100 | $200 |
| Fracture (Broken Bone) | Closed Reduction (Non-Surgical) |
Open Reduction (Surgical) |
| Skull, Depressed Skull | $2,500 | $5,000 |
| Skull, Simple Non-Depressed | $1,000 | $2,000 |
| Hip, Thigh | $1,500 | $3,000 |
| Body of Vertebrae, Pelvis, Leg | $800 | $1,600 |
| Bones of Face or Nose | $350 | $700 |
| Upper Jaw, Maxilla | $350 | $700 |
| Upper Arm between Elbow and Shoulder | $350 | $700 |
| Lower Jaw, Mandible, Kneecap, Ankle, Foot | $300 | $600 |
| Shoulder Blade, Collarbone, Vertebral Processes | $300 | $600 |
| Forearm, Wrist, Hand | $300 | $600 |
| Rib | $250 | $500 |
| Coccyx | $200 | $400 |
| Finger, Toe | $50 | $100 |
| Your Colonial policy also provides benefits for the following injuries received as a result of a covered accident. | ||
| Burn (based on size and degree) | $750 to $10,000 | |
| Concussion | $100 | |
| Emergency Dental Work | $50 to $150 | |
| Eye Injury | $200 | |
| Torn Knee Cartilage | $500 | |
| Lacerations (based on size) | $25 to $400 | |
| Ruptured Disc | $400 | |
| Tendon/Ligament/ Rotator Cuff | $400 to $600 | |
Surgical Care 43.8 million surgical procedures were performed in 2003. Source: Injury Facts, National Safety Council, 2005-2006 edition. If your covered accidental injury is serious enough to require surgical care or a transfusion, your Colonial policy provides you benefits.
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Accidental Death and Dismemberment
Preliminary information indicates that in 2003, accidental injuries remained the fifth leading cause of death. For injuries received as the result of a covered accident that lead to an accidental death or dismemberment, this plan provides benefits that can help see you and your family through the loss.
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Transportation/Lodging Assistance If a covered person requires care or treatment at least 100 miles away from his home, your Colonial policy provides benefits to help with transportation and lodging costs.
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Accident Hospital Care In 2003, the average length of a stay in a hospital was 4.8 days. Traditional health insurance policies may have per admission deductibles and co-payments that must be satisfied prior to covering benefits related to hospital stays. Your Colonial policy provides benefits to help with these costs.
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Catastrophic Accident The severity of some accidents can result in life changing losses. Colonial can help with such severe losses by providing a benefit for a catastrophic loss that results from a covered accident.
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Follow-Up Care You may require follow-up care once you are discharged from the emergency room, hospital or doctor's office. You may have to undergo physical therapy, use crutches or a wheelchair or even require the use of an artificial limb.
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The Catastrophic Accident benefit is payable after a 365 day elimination period. The elimination period refers to the period of 365 days after the date of the covered accident.
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| For complete details, please click here for the Outline of Coverage (PDF). | |||||||||||||||||
This information provided by
Colonial Life
Columbia, South Carolina 29202
www.coloniallife.com