• Accident Plans
    Coverage for the unexpected

    This plan covers emergency treatment, hospital admissions, confinements and diagnostic exams, as well as other expenses related to you or an insured family member injured in a covered accident. This plan pays you in addition to any other coverage you may have.

    • You must enroll in the plan by age 70
    • If you have a covered accident, you receive cash benefits for expenses that may not be fully covered by your medical plan.
    • You do not need to provide evidence of good health to enroll
    • There's no pre-existing conditions exclusion.
    • Actively-at-work provisions apply.
    • Rates and plan stays the same.
    • Aflac Group provides coverage.

    Typical covered charges include:

    • Ambulance
    • Surgery and anesthesia
    • Casts
    • Crutches
    • Emergency room
    • Stitches
    • Wheelchairs
    • Bandages

    Eligibility
    You may also elect coverage for dependent child(ren) up to 26.

    Claiming benefits
    If you or one of your covered dependents is involved in an accident, complete the claim form or call 800-433-3036.

    Send your claim form and supporting documentation within 60 days of the accident.

    Actively-at-work provision
    If you are not actively at work when coverage is scheduled to become effective, your coverage doesn't take effect until you complete your first day at work. Paid leave and paid vacation are not considered being actively at work.

    Taking coverage with you
    If you leave the district, your accident plan is convertible. That means you can move your coverage to a similar policy that you can take with you. You must be under age 70 to apply for conversion. Retirees are not eligible and other exclusions may apply. For more information about conversion, click here.

    Helpful resources
    For more information, please refer to your certificate of coverage, available here, or contact Aflac Group at 800-433-3036 between 7 a.m. and 4 p.m. weekdays, excluding holidays. You may also review the Accident plan FAQs.

Covered Critical Illnesses

Compare coverage options
You can choose a Low or High option. The High option provides higher coverage for each event as shown in the list of benefit levels below.

Accident rates per pay period

Accident Low
Employee: $3.08
Employee + Spouse: $4.95
Employee + child(ren): $5.99
Employee + family: $7.86

Accident High
Employee: $5.53
Employee + Spouse: $8.45
Employee + child(ren): $10.10
Employee + family: $13.22

Covered services

Accidental death - Spouse and child benefit only available if you purchase dependent rider
Employee Low/High: $25,000/$50,000
Spouse Low/High: $15,000/$25,000
Children Low/High: $5,000/$10,000

Accident common carrier death
Employee Low/High: $50,000/$100,000
Spouse Low/High: $30,000/50,000
Children Low/High: $10,000/50,000

Accident common carrier death
Employee Low/High: $50,000/$100,000
Spouse Low/High: $30,000/50,000
Children Low/High: $10,000/50,000

Catastrophic accident benefit
Employee Low/High: $50,000/$100,000
Spouse Low/High: $25,000/50,000
Children Low/High: $25,000/50,000

Dismemberment benefit varies depending on severity of loss - treatment up to 90 days
Employee Low/High: $100 - $12,500/$100 - $25,000
Spouse Low/High: $100 - $5,000/$100 - $10,000
Children Low/High: $100 - $2,500/$100 - $5,000

Other accident benefits

Ambulance
Low Option: Ground $250/ Air $750
High Option: Ground $500/ Air $1,500

Appliances - Crutches, wheelchair, leg/back braces, walkers
Low Option: $50
High Option: $100

Prosthesis - Hearing aid, wigs, or dental aid, including false teeth are not covered
Low Option: $250
High Option: $500

Lacerations - 2' to 5' long requiring stitches
Low Option: $100
High Option: $200

Lacerations - 2' to 5' long requiring stitches
Low Option: $100
High Option: $200

Eye injury - Treatment and surgery within 90 days
Low Option: $125
High Option: $250

Torn knee cartilage - Treatment within 60 days
Low Option: $400 ($100 during 1st year of coverage)
High Option: $400 ($100 during 1st year of coverage)

Ruptured disk - Treatment within 60 days; surgical repair within 90 days
Low Option: $400 ($100 on 1st year of coverage)
High Option: ($100 on 1st year of coverage)

Tendon, ligament, rotator cuff - Treatment within 60 days surgical repair within 90 days
Low Option: $400 (up to $600 multiple injuries)
High Option: $400 (up to $600 multiple injuries)

Burn treatment within 72 hours
Low Option: Up to $18,000
High Option: Up to $18,000

Concussion resulting in electroencephalogram abnormality
Low Option: Up to $100
High Option: Up to $200

Coma lasting 30 days or more
Low Option: $5,000
High Option: $1,000

Internal injury resulting in open abdominal or thoracic surgery
Low Option: $500
High Option: $1,000

Exploratory surgery without repair, i.e. arthroscopy
Low Option: $120
High Option: $250

Paralysis lasting more than 3 months
Low Option: $5,000
High Option: $10,000

Dislocations depending on the joint dislocated - diagnosis and treatment within 90 days
Low Option: $120 - $2,025
High Option: $240 - $4,050

Emergency room/medical fees - maximum per accident
Low Option
Employee or spouse: $125
Children: $50

High Option
Employee or spouse: $250
Children: $100

Doctor's office - followup treatment up to 6 visits per accident
Low Option: $25 per visit
High Option: $35 per visit

Emergency dental work
Low Option: $100
High Option: $150

Major diagnostic exam - CT, MRI, EEG
Low Option: $100
High Option: $200

Blood or blood plasma
Low Option: $100
High Option: $200

Fractures depending on bone fractured - diagnosis within 90 days
Low Option: $750
High Option: $1,500

Hospital admission
Low Option: $100
High Option: $200

Confinement up to 365 days
Low Option: $150 per day
High Option: $300 per day

Hospital intensive care up to 30 days
Low Option: $300
High Option: $300 per day

Rehabilitation unit up to 30 days
Low Option: $75 per day
High Option: $150 per day

Rehabilitation unit up to 30 days
Low Option: $75 per day
High Option: $150 per day

Lodging - per night/max 30 nights if more than 100 miles from residence for treatment
Low Option: $50
High Option: $100

Transportation - train, plane or bus if more than 50 miles from residence for treatment
Low Option: $150
High Option: $300

Physical therapy
Low Option: $25 per visit
High Option: $50 per visit

When coverage ends
You must enroll in the plan by age 70. After age 70, you are only permitted to terminate the plan or decrease your coverage level. Accident coverage is portable, which means you can continue your coverage even if you leave the district.