Occupational Accident Insurance - Benefit Plans Summary
Plan A delivers the best value with better benefits for just $1-$2 more per week.
Plan C is for CA drivers doing app-based work. It complies with Labor Code 4453(a).
Plan A |
Plan B |
Plan C |
|
|---|---|---|---|
| Combined Single Limit (CSL) Per Insured Person | $1,000,000 | $750,000 | $1,000,000 |
| Aggregate Limit of Liability | $2,000,000 | $1,000,000 | $2,000,000 |
Accidental Medical Expense Benefit* |
Plan A |
Plan B |
Plan C |
|---|---|---|---|
| Maximum Benefit Amount | $1,000,000 | $750,000 | $1,000,000 |
| Commencement Period | 90 days | 90 days | 90 days |
| Deductible Amount | None! | None! | None! |
| Maximum Benefit Period | 104 Weeks | 104 Weeks | 104 Weeks |
| Maximum Dental Expense | $2,500 | $2,500 | $2,500 |
| New! Hernia/Hemorrhoids Benefit | |||
| Maximum Benefit Amount per Injury | $10,000 | $10,000 | $10,000 |
| Maximum Benefit Amount – Lifetime | $20,000 | $20,000 | $20,000 |
| * Non-occupational accident insurance is available through a separate program. It pays cash if you get hurt in an accident when you are not working. It covers hospital stays, ambulance rides, broken bones, burns, and more. Plans start at $24.61 per month. To learn more, check out our menu of driver insurance benefits. |
Death & Catastrophic Injury Benefits |
Plan A |
Plan B |
Plan C |
|---|---|---|---|
| Maximum Benefit Amount | $300,000 | $200,000 | $350,000 |
| Incurral Period | 52 Weeks | 52 Weeks | 52 Weeks |
| Accidental Death Benefit | |||
| Minimum Death Benefit | $100,000 | $50,000 | $50,000 |
| Survivor’s Additional Monthly Benefit | $2,000 to 100 mos. | $1,500 to 100 mos. | $1,500 to 200 mos. |
| Dismemberment Benefit Principal Sum | $300,000 | $200,000 | $350,000 |
| Severe Burn Benefit Principal Sum | $300,000 | $200,000 | $350,000 |
| Paralysis Benefit Principal Sum | $300,000 | $200,000 | $350,000 |
Temporary Total Disability Benefit |
Plan A |
Plan B |
Plan C |
|---|---|---|---|
| Benefit Percentage of Average Weekly Earnings | 70% | 70% | 66% |
| Maximum Weekly Benefit Amount | $700 | $600 | $1,375 |
| Minimum Weekly Benefit Amount | $200 | $150 | $225 |
| Commencement Period | 90 Days | 90 Days | 90 Days |
| Waiting Period | 7 Days | 9 Days | 7 Days |
| Maximum Benefit Period | 104 Weeks | 104 Weeks | 104 Weeks |
| New! Hernia/Hemorrhoids Benefit | |||
| Maximum Benefit Period | 10 Weeks | 10 Weeks | 10 Weeks |
Continuous Total Disability Benefit |
Plan A |
Plan B |
Plan C |
|---|---|---|---|
| Benefit Percentage of Average Weekly Earnings | 70% | 70% | 66% |
| Maximum Weekly Benefit Amount | $700 | $600 | $1,375 |
| Minimum Weekly Benefit Amount | $200 | $150 | $225 |
| Waiting Period | 104 Weeks | 104 Weeks | 104 Weeks |
| Maximum Benefit Period | Up to SSRA* | Up to SSRA* | Up to SSRA* |
| * SSRA means Social Security Retirement Age, which will vary depending on a member’s date of birth. If a member reaches SSRA before satisfying the waiting period, he/she may not qualify for Continuous Total Disability benefits. |
| Occupational Disease Benefit |
Plan A |
Plan B |
Plan C |
|---|---|---|---|
| Maximum Benefit Amount per Disease | $10,000 | $10,000 | $10,000 |
| Maximum Benefit Period per Disease | 10 weeks | 10 weeks | 10 weeks |
| Maximum Lifetime Benefit | $20,000 | $20,000 | $20,000 |
| Carjacking and Felonious Assault Benefit |
Plan A |
Plan B |
Plan C |
|---|---|---|---|
| Maximum Benefit Amount | $10,000 | $10,000 | $10,000 |
| Helper Benefit | All Plans | ||
|---|---|---|---|
| This optional benefit extends coverage for injury to a helper under the same Plan and benefit levels as chosen for the driver. | A helper who also drives should join A4DD and enroll for insurance separately to be covered. | ||
Important Notice:
This Summary is a brief description of important features of these Benefit Plans. It is not a contract of insurance. This is an accident-only policy with limited benefits and does not pay for non-occupational injuries, diseases, or sickness. Coverage exclusions and deductibles may apply. The complete terms and conditions of coverage are set forth in the policy. If there is a conflict between any information contained in this summary and the actual policy, the policy will govern. Occupational Accident Insurance coverage is a not workers’ compensation coverage and is not a substitute for workers’ compensation.
