Accident
Ease the Pain of Unexpected Expenses
You’re painting the kitchen and slip off the ladder. Your child gets hurt playing soccer. You get rear-ended on your way home from work. Accidents and injuries happen when you least expect them, and most people don’t budget for these unexpected events.
Accident insurance adds an extra layer of financial support to supplement your UC medical and disability benefit plans. UC is partnering with Aflac to offer group coverage designed specifically for UC employees at group prices. Coverage is available for you and your eligible dependents.
If you receive services for a covered accident, such as an ER or urgent care visit, surgery, X-rays or physical therapy, you will get a cash benefit from Aflac paid directly to you—over and above what any other insurance plan pays. You decide how to use the funds.
Cash to Use However You Choose
Medical expenses not covered by your health insurance
Help covering your rent or mortgage
Home health care, child and elder care, pet care
Housekeeping
Meal preparation and/or delivery
Transportation
What’s Covered
The following are common services that will trigger a benefit payment, when received as the result of a covered accident. The benefit you receive is based on the specific medical care received.
| Benefits Include | Benefit Amount |
|---|---|
| Emergency room and urgent care visit with X-ray | $350 per accident |
| Ground ambulance | $400 per trip |
| Physical therapy, chiropractic or alternative therapy1 | $50 per visit |
| Accident physician follow-up visit2 | $75 per visit |
| Leg brace, crutches, etc. | $100 per appliance |
| Inpatient surgery and anesthesia3 | $1,500 |
| Treatment for fractures | Up to $4,750 without surgery Up to $9,500 with surgery |
| Treatment for dislocations | Up to $4,750 without surgery Up to $8,000 with surgery |
| Treatment for burns4 | $100 to $20,000 |
| Hospital admission5 | $1,000 per confinement |
| Hospital confinement | $200 per day, up to 365 days |
| Hospital intensive care | $500 per day, up to 15 days |
| Family member lodging | $150 per day, up to 30 days |
This listing does not reflect each and every benefit, exclusion or limitation which may apply. For complete information, refer to the Supplemental Health Plans guide.
1Maximum of 3 visits for chiropractic and alternative therapy and 10 visits for physical therapy per accident, beginning within 90 days after the accident, provided initial treatment is within 168 hours of the accident.
2Maximum of 2 per accident, within 6 months after the accident, provided the initial treatment is within 168 hours of the accident.
3Maximum of 1 procedure per accident, provided the procedure is within 1 year after the accident.
4Once per accident within 6 months after the accident. Paid according to body surface burned. First-degree burns are not covered.
5Once per accident, within 6 months after the accident. Maximum of 365 days per accident, within 6 months after the accident.
Cost of Coverage
| Coverage For | Monthly Accident Insurance Premium |
|---|---|
| You only | $9.67 |
| You and your spouse | $15.86 |
| You and dependent children | $19.85 |
| Your family | $26.04 |
How You Pay for Coverage
You pay the full cost of premiums through convenient after-tax payroll deductions. Total costs vary depending on who you cover. Because premiums are paid with after-tax dollars, you don’t pay taxes on benefit payments you receive from the plan.
Does Your Current Health Care Coverage Fit Your Needs?
UC offers a variety of medical plans with differing levels of benefit coverage, out-of-pocket costs, and monthly premiums, all in an effort to meet the diverse needs of UC employees. If you are considering changing medical plans, or just want to add financial protection for an unexpected medical emergency, then you might want to think about the added value one or more of the supplemental health plans can provide. These plans offer added financial protection when you need it most.
Make good decisions about your health care. Before making changes to your current medical plan, be sure to review the medical plan information on the UCnet 2020 Open Enrollment page. Speak with your Health Care Facilitator if you need help understanding how your UC medical plan options work.