Occupational Accident Insurance - Benefit Plans Summary
Plan A has higher limits and lower deductibles.
Plan C is for CA drivers doing app-based work.
Plan A |
Plan B |
Plan C |
|
|---|---|---|---|
| Combined Single Limit (CSL) Per Insured Person | $1,000,000 | $500,000 | $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 | $500,000 | $1,000,000 |
| Commencement Period | 90 days | 90 days | 90 days |
| Deductible Amount | $100 | $200 | $200 |
| 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 |
Death & Catastrophic Injury Benefits |
Plan A |
Plan B |
Plan C |
|---|---|---|---|
| Maximum Benefit Amount | $250,000 | $150,000 | $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 75 mos. | $1,000 to 100 mos. | $1,500 to 200 mos. |
| Dismemberment Benefit Principal Sum | $250,000 | $150,000 | $350,000 |
| Severe Burn Benefit Principal Sum | $250,000 | $150,000 | $350,000 |
| Paralysis Benefit Principal Sum | $250,000 | $150,000 | $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.
