Accident Insurance
~ Whatever the activity...it's wise to get Hartford Life's Accident Insurance
With any organizational activity there is always the possibility that a participant may suffer an injury...perhaps just a cut, scratch or bruise...or perhaps something much more serious.
If an accident did occur and your organization wanted to help pay the medical expenses, could your treasury withstand the financial impact? In the case of a serious accident, medical expenses could easily be far in excess of the funds in your treasury!
Hartford Life's "Special Risk" Accident insurance can help relieve your organization of this potential problem. It adds little to your budget-yet it provides liberal benefits for each participant.
It can be written to cover just a specific event - or it can cover all your group's activities during the year!
All eligible persons in a group must participate in the insurance program.
Your Organization Can Select
~ $500 to $15,000 Accidental Death and Dismemberment
Pays the Maximum Benefit selected for loss of Life, Both Hands or Both Feet or Sight of Both Eyes, One Hand and One Foot, or Hand or Foot and Sight of One Eye
Pays One-Half the Maximum Benefit for loss of One Hand, One Foot or Sight of One Eye.
Pays One-Quarter the Maximum Benefit for loss of Thumb and Index Finger of Either Hand.
Loss must occur within 180 days of a covered accident. If more than one loss is sustained, only one of the amounts shown, the largest applicable, will be payable.
Loss of hand or foot means severance through or above wrist or ankle joint; loss of eye means irrecoverable loss of sight; and loss of thumb and index finger means actual severance through or above metacarpophalangeal joints.
~ $500 to $10,000 Accident Medical Expense
Pays for necessary medical expenses incurred as the result of injuries sustained in a covered accident, up to the Maximum Benefit selected. Covers up to two years from the date of the accident. Initial expenses must be incurred within 26 weeks. Can be purchased with a cost-saving Deductible.
~ $10 to $100 Weekly Accident Total Disability
Available on optional basis only to organizations whose members are otherwise gainfully employed. Pays weekly benefit selected if insured is totally disabled and unable to work at his or her usual occupation as the result of a covered accident. Total disability payment periods ranging from 13 weeks to two years may be selected. Can be purchased with a cost-saving Waiting Period.
~ Covered Accidents Do Not Include...
...Sickness or disease, except pus-forming infection resulting from an accident, cut or wound; suicide or intentionally self-inflicted injuries; war, acts of war or military service; airplane accidents except as a passenger on regularly scheduled passenger airline trips; repair or replacement of dentures, braces, eyeglasses, contact lenses, orthopedic braces, or artificial limbs.
~ Excess Coverage Option
In certain states, lower rates are available if the Medical Expense portion of Hartford Life's Special Risk Accident Insurance is purchased on an "excess" basis. This means that after the insured person has been reimbursed for medical expenses by other insurance programs, Hartford Life will pay up to the maximum Medical Expense for remaining treatment, service and supply expenses. These and other programs include group, blanket or franchise health insurance coverage, group hospital or medical service plans, and pre-payment coverage; any coverage under labor management trustee plans, union welfare plans, employer organization plans, and coverage under any governmental programs, coverage required or provided by any statute, and automobile reparations insurance (no-fault) coverage.
This provision, or its applicable state variation, is available in all states except Delaware.
Please note that any amounts paid by another "Plan" as defined above (or applicable state variation) cannot be used to satisfy any deductible under our policy.
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