Accident and Critical Illness

You have the option to purchase accident insurance, which helps to protect your finances after an accident. You are paid a lump sum if you have a covered injury and can use the money to help pay outof-pocket medical costs or everyday expenses.

	Accident Benefits
Accident Coverage	Off the job
Wellness Benefit	Provides a $50 per year benefit for completing certain routine wellness screenings or procedures.

Accident	Benefit		Accident	Benefit
Accident ER Treatment	$200		Fracture	Up to $6,000
Follow-Up Visit - Doctor	$50 up to 6 treatments		Hospital Admission	$1,000
Air Ambulance	$1,000		Hospital Confinement	$250/day, up to 1 year
Ambulance	$200		Hospital ICU Admission	$2,000
Blood/Plasma/Platelets	$300		Hospital ICU Confinement	$500/day, up to 15 days
Burns	2nd Degree: $0-$3,000 3rd Degree: $2,000-$12,000		Initial Physician's Office/ Urgent Care Facility	$100
Burn - Skin Graft	50% of burn benefit		Knee Cartilage	$500
Coma	$10,000		Joint Replacement	$1,250-$2,500
Concussions	$200		Laceration	Up $400
Dislocations	Up to $5,000		Lodging	$125/day, up to 30 days
Diagnostic Exam (Major)	$200		Physical Therapy	$35/day up to 10 days
Emergency Dental Work	$300/Crown $75/Extraction		Surgery	$250-$1,250
Epidural Pain Management	$100, 2x per accident		Tendon/Ligament/Rotator Cuff	$500-$1,000
Eye Injury	$300		Transportation	$500, 3x per accident
Family Care	$20/day up to 30 days		X-Ray	$40
		See plan description for a complete list of benefits.

Voluntary Accident	Bi-Weekly Rate (26 Pay Periods)
Employee Only	$5.24
Employee + Spouse	$8.81
Employee + Child(ren)	$9.51
Employee + Family	$13.08

Downloads

Voluntary Accident Summary

Enrollment Kit-English

Enrollment Kit-Spanish

You have the option to purchase critical illness insurance, which provides a fixed, lump-sum benefit upon the diagnosis of a serious illness like heart attack, stroke, or cancer. Benefits are paid directly to you and may be used for any reason from deductibles and prescriptions to travel expenses, childcare or other everyday expenses.

View your Guardian Enrollment Kit for rates for your age and desired coverage amount.

	Critical Illness Benefits
Employee Amount	Employee may choose a lump sum benefit of $5,000 to $20,000 in $5,000 increments
Dependent Amount	Spouse may choose a lump sum benefit of $2,500 or $10,000 in $2,500 increments up to 50% of the employee benefit Child: 25% of employee benefit
Dependent Age Limits	Birth to 26 years
Benefit Reduction	Benefit reduces by 50% at age 70
Wellness Benefit	Provides a per year benefit for completing certain routine wellness screenings or procedures. Employee $50; Spouse $50; Child $50
Spouse Rates	Spouse rate is based on employee's age bracket.
Child Rates	Child cost is included with employee election.

Covered Conditions	First Occurrence	Second Occurrence
Invasive Cancer	100%	100%
Carcinoma In Situ	30%	0%
Benign Brain Tumor	75%	0%
Skin Cancer	$250	Not Covered
Heart Attack	100%	50%
Stroke	100%	50%
Heart Failure	100%	50%
Coronary Arteriosclerosis	30%	0%
Organ Failure	100%	50%
Kidney Failure	100%	50%

Childhood 100% Covered Conditions
First occurrence of cerebral palsy, cleft lip/palate, club foot, cystic fibrosis, Down's Syndrome, muscular dystrophy, spina bifida, and Type 1 Diabetes

Downloads

Critical Illness Summary

Enrollment Kit-English

Enrollment Kit-Spanish

Provided By

Guardian

Provider Website

https://guardianlife.com

Customer Service

888.600.1600