Page 26 - Megatel Homes LLC Benefit Guide 8-1-2025v3

Voluntary Accident (On and Off The Job):

Lincoln Financial

Don’t let an accident catch you off guard. Protect your family’s finances with Accident Insurance
from Lincoln Financial. An accident insurance policy supplements your medical coverage and
provides a cash benefit for injuries you or an insured family member sustain from an accident. This
benefit can be used to pay out of pocket medical expenses, help supplement your daily living
expenses and cover unpaid time off work.
Open Closed
Benefit Amount Dislocations Reduction Reduction
Initial Care Class 1 Joint/Joint Group Class 1
Emergency Room $150 Lower jaw (Temporomandibular) $1,300 $650
Urgent Care Center $100 Shoulder (Glenohumeral) $4,500 $2,250
Initial Physician Office Visit $100 Collarbone and breastbone $1,800 $900
Emergency Transportation Class 1 (Sternoclavicular)
Ground Ambulance $400 Elbow $2,000 $1,000
Air Ambulance $1,000
Wrist (Radiocarpal and/or intercarpal) $1,800 $900
Open Closed
Fractures Reduction Reduction Hand $1,800 $900
Fingers $550 $275
Bone/Bone Group Class 1 Hip $9,000 $4,500
Skull, depressed (Cranial bones) $6,000 $3,000 Knee $3,200 $1,600
Skull, non-depressed (Cranial bones) $3,000 $1,300 Ankle $2,400 $1,200
Bones of face (Except nose and lower $2,500 $1,250
jaw) Foot $1,900 $950
Toes $500 $250
Nose (Nasal bones) $2,250 $1,125
Lower jaw (Mandible) $12,250 $1,125 Partial Dislocation - 25% of the closed
reduction amount for the joint/joint
Shoulder blade (Scapula) $3,000 $1,500 group
Collarbone (Clavicle) $2,400 $1,200
Breastbone (Sternum) $1,000 $500
Rib $1,200 $600 SPECIFIED INJURY BENEFITS
Upper arm (Humerus) $2,400 $1,200 Fractures and dislocations require treatment within 90 days
Forearm (elbow to wrist) $3,200 $1,600 of an accident. Burns and lacerations require treatment
Elbow $900 $450 within 72 hours of an accident. Dental care requires
Hand (Metacarpals, except fingers) $2,250 $1,125 treatment within 30 days of an accident.
Fingers (Phalanges) $500 $250
Vertebral body (Except vertebral processes) $2,900 $1,450 If an insured person sustains both a fracture & dislocation
Vertebral process $2,700 $1,350 as the result of the same accident, the maximum amount
Tail bone (Coccyx) $1,000 $500 payable is up to 200% of the amount payable for the injury
Pelvis (Except tail bone and hip bones) $4,000 $2,000 with the highest applicable benefit amount.
Hip bones (Illium, ischium and/or pubis) $6,000 $3,000 Additional limitations apply as described in the policy.
Thigh (Femur) $4,500 $2,250
Knee cap (Patella) $2,600 $1,300
Lower leg (Tibia and/or fibia) $3,200 $1,600 INITIAL CARE & EMERGENCY BENEFITS
Ankle (Talus) $2,600 $1,300
Foot (Metatarsals and calcaneus, except toes) $2,250 $1,125 Most Initial Care/Emergency benefits require treatment or
Toes (Phalanges) $500 $250 service within 72 hours of an accident and are payable
Chip Fracture - 25% of the closed reduction once per accident per insured person.
amount for the bone/bone group

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