Accident Plans

  • accident  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 don’t 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 Emergency room
    Surgery and anesthesia Stitches
    Casts Wheelchairs
    Crutches Bandages

    Eligibility
    If you purchase coverage for yourself, you may also elect coverage for:
    Dependent child(ren), up to age 26

    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.

    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.

    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.

Rates per period

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

Accident

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

Accidental death - Spouse and child benefit only available if you purchase dependent rider

Plan
Employee Low/High
Spouse Low/High
Children Low/High
Coverage
$25,000/$50,000
$15,000/$25,000
$5,000/$10,000

Accident common carrier death

Plan
Employee Low/High
Spouse Low/High
Children Low/High
Coverage
$50,000/$100,000
$30,000/50,000
$10,000/50,000

Catastrophic accident benefit

Plan
Employee Low/High
Spouse Low/High
Children Low/High
Coverage
$50,000/$100,000
$25,000/$50,000
$25,000/$50,000

Dismemberment benefit varies depending on severity of loss - treatment up to 90 days

Plan
Employee Low/High
Spouse Low/High
Children Low/High
Coverage
$100 - $12,500/$100 - $25,000
$100 - $5,000/$100 - $10,000
$100 - $2,500/$100 - $5,000

Ambulance

Plan
Low Option
High Option
Coverage
Ground $250/ Air $750
Ground $500/ Air $1,500

Appliances - Crutches, wheelchair, leg/back braces, walkers

Plan
Low Option
High Option
Coverage
$50
$100

Prosthesis - Hearing aid, wigs, or dental aid, including false teeth, are not covered

Plan
Low Option
High Option
Coverage
$250
$500

Lacerations - 2' to 5' long requiring stitches

Plan
Low Option
High Option
Coverage
$100
$200

Eye injury - Treatment and surgery within 90 days

Plan
Low Option
High Option
Coverage
$125
$250

Torn knee cartilage - Treatment within 60 days

Plan
Low Option
High Option
Coverage
$400 ($100 during first year of coverage)
$400 ($100 during first year of coverage)

Ruptured disk - Treatment within 60 days; surgical repair within 90 days

Plan
Low Option
High Option
Coverage
$400 ($100 on first year of cvge.)
$400 ($100 on first year of cvge.)

Tendon, ligament, rotator cuff - Treatment within 60 days surgical repair within 90 days

Plan
Low Option
High Option
Coverage
$400 (up to $600 multiple injuries)
$400 (up to $600 multiple injuries)

Burn treatment within 72 hours

Plan
Low Option
High Option
Coverage
Up to $18,000
Up to $18,000

Concussion resulting in electroencephalogram abnormaly

Plan
Low Option
High Option
Coverage
$100
$200

Coma lasting 30 days or more

Plan
Low Option
High Option
Coverage
$5,000
$1,000

Internal injury resulting in open adbominal or thoracic surgery

Plan
Low Option
High Option
Coverage
$500
$1000

Exploratory surgery without repair, i.e. arthroscopy

Plan
Low Option
High Option
Coverage
$125
$250

Paralysis lasting more than 3 months

Plan
Low Option
High Option
Coverage
$5,000
$10,000

Dislocations depending on the joint dislocated - diagnosis and treatment within 90 days

Plan
Low Option
High Option
Rate
$120 - $2,025
$240 - $4,050

Emergency room/medical fees - maximum per accident

Low Option Plan
Employee or spouse
Children
Rate
$125
$50

High Option Plan
Employee or spouse
Children
Rate
$250
$100

Doctor's office - followup treatment up to 6 visits per accident

Low Option Plan
$25 per visit
High Option Plan
$35 per visit

Emergency dental work

Plan
Low Option
High Option
Rate
$100
$150

Major diagnostic exam - CT, MRI, EEG

Plan
Low Option
High Option
Rate
$100
$200

Blood or blood Plasma

Plan
Low Option
High Option
Rate
$100
$200

Fractures depending on bone fractured - diagnosis wihtin 90 days

Plan
Low Option
High Option
Rate
$750
$1,500

Hospital admission

Plan
Low Option
High Option
Rate
$100
$200

Confinement up to 365 days

Plan
Low Option
High Option
Rate
$150 per day
$300 per day

Hospital intensive care up to 30 days

Plan
Low Option
High Option
Rate
$300
$600 per day

Rehabilitation unit up to 30 days

Plan
Low Option
High Option
Rate
$75 per day
$150 per day

Lodging - per night/max 30 nights if more than 100 miles from residence for treatment

Plan
Low Option
High Option
Rate
$50
$100

Transportation - train, plane or bus if more than 50 miles from residence for treatment

Plan
Low Option
High Option
Rate
$150
$300

Physical therapy

Plan
Low Option
High Option
Rate
$25 per visit
$50 per visit