Page 25 - Enrollment Guide
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Accident—Alac
Individual accident insurance is a way to stay ahead of the medical and out-
of-pocket expenses that add up quickly after an accidental injury—not just
for emergency treatment, hospital stays and medical exams, but for other
expenses you may face, such as transportation and lodging needs.
When you have an accident, Alac sends a cash beneit directly to you and
you decide the best way to spend your beneit. It’s as simple as that. The
following chart highlights just some of the cash payments available to you in
this program.
Accident Insurance—Monthly Rates
Employee $15.18
Employee and spouse $24.75
Employee and dependent children $29.72
Family $39.29
Voluntary Accident Benefit Summary
Initial Care Beneit
Emergency room $200 + $100 for 24 hour observation
Urgent care/primary care $125 ($75 for child)
physician
Chiropractor Initial care beneit is $125 ($75 for child) regardless
of which provider is seen; must be within 72 hours of
accident
Hospital beneits
Hospital admission beneit $1,000
Hospital daily beneit $200 (up to 365 days per accident)
ICU daily beneit $400 (up to 30 days per accident)
Accidental Death
Employee $50,000
Spouse $25,000
Each child $5,000
Additional Beneits
Ambulance (ground/air) $200/$1,000
Diagnostic exams/medical $200
imaging
Follow-up physician visit $30
Physical therapy $30
Benefit Guide 2016
Accident—Alac
Individual accident insurance is a way to stay ahead of the medical and out-
of-pocket expenses that add up quickly after an accidental injury—not just
for emergency treatment, hospital stays and medical exams, but for other
expenses you may face, such as transportation and lodging needs.
When you have an accident, Alac sends a cash beneit directly to you and
you decide the best way to spend your beneit. It’s as simple as that. The
following chart highlights just some of the cash payments available to you in
this program.
Accident Insurance—Monthly Rates
Employee $15.18
Employee and spouse $24.75
Employee and dependent children $29.72
Family $39.29
Voluntary Accident Benefit Summary
Initial Care Beneit
Emergency room $200 + $100 for 24 hour observation
Urgent care/primary care $125 ($75 for child)
physician
Chiropractor Initial care beneit is $125 ($75 for child) regardless
of which provider is seen; must be within 72 hours of
accident
Hospital beneits
Hospital admission beneit $1,000
Hospital daily beneit $200 (up to 365 days per accident)
ICU daily beneit $400 (up to 30 days per accident)
Accidental Death
Employee $50,000
Spouse $25,000
Each child $5,000
Additional Beneits
Ambulance (ground/air) $200/$1,000
Diagnostic exams/medical $200
imaging
Follow-up physician visit $30
Physical therapy $30
Benefit Guide 2016
