Page 26 - Product Summary of Colonial Life_Neat

Accident insurance benefits overview

This overview shows just a few of the benefits for accidental injuries available on all three plan levels: Basic, Preferred and Premier.
Actual benefit amounts vary based on the plan level selected.

Provides a benefit when a covered person is injured and treated by a physician in a hospital emergency
Accident emergency treatment
room, urgent care facility or physician’s office.
Accident follow-up treatment Provides a benefit for a follow-up physician’s office visit, transportation to the visit or a telemedicine visit.

Provides a benefit for accidental death or loss (or loss of use) of hand, arm, foot, leg, sight of an eye,
Accidental death & dismemberment
finger or toe.
Ambulance Provides a benefit for transportation in a ground, water or air ambulance.
Provides a benefit for surgical or non-surgical correction (with anesthesia, for dislocations) by a physician.
Dislocations and fractures
Incomplete dislocations and chip fractures are covered at 25% of the relevant amount.
Hospital admission Provides a benefit if an insured person is admitted to the hospital for a covered injury.

Provides a daily benefit for a stay in a hospital, sub-acute intensive care unit or intensive care unit.
Hospital confinement
Observation-room benefits are also available.
Provides a benefit for devices used to help patients recover from an accident. Examples include arm sling,
Medical equipment
neck brace, crutches, walking boot, knee scooter and electric scooter.
Medical imaging study Provides a benefit for studies including CT, CAT Scan, EEG, MR and MRI.

Provides a benefit for surgeries, including (but not limited to) cranial, abdominal, hernia, exploratory and
Surgery
arthroscopic. Benefits are also available for repair of injuries such as torn ligaments and ruptured discs.
X-rays Pays for an X-ray as inpatient or outpatient in a hospital, or in a physician’s office.
Employer optional benefits

Active lifestyles Increases 13 popular base plan benefits by 20%.

Provides a $1,000 or $5,000 benefit for a non-fatal gunshot wound from an on-job or off-job accident.
Gunshot wound
Available for employees only.
Wellbeing assistance — standard Provides one benefit per covered person per calendar year for 24 different health screening tests.

Provides one benefit per policy per calendar year for 26 different health screening tests, including
Wellbeing assistance — basic
immunizations and physicals.
Employee optional riders
Provides a benefit if the covered employee or spouse has a covered injury, is out of work and is unable
Accident disability income
to earn a paycheck.
Provides a benefit if the covered employee or spouse has a covered injury or illness, is out of work and
Accident/sickness disability income
is unable to earn a paycheck.
Specified critical illness Provides $2,500 or $5,000 for initial and subsequent diagnosis of several specified serious illnesses.

Sickness hospital confinement Provides a daily hospital confinement benefit.

Sickness hospital confinement Provides a hospital admission benefit in addition to a daily hospital confinement benefit.
with sickness hospital admission

Calendar year maximum and lifetime maximums may apply. Waiting periods may apply.

THIS POLICY PROVIDES LIMITED BENEFITS.
This information is not intended to be a complete description of the insurance coverage available. This coverage has exclusions and limitations that may affect benefits payable.
For cost and complete details, see your Colonial Life representative. Applicable to policy form IAC4000 (plus state abbreviations where applicable, such as IAC4000-TX). Coverage
may vary by state and may not be available in all states.

Underwritten by Colonial Life & Accident Insurance Company, Columbia, SC
©2017 Colonial Life & Accident Insurance Company. All rights reserved. Colonial Life is a registered trademark and marketing brand of Colonial Life & Accident Insurance Company. 2-17 | 101793