Additional Benefits

You have the option to purchase accident insurance, which helps to protect your finances after an accident. You are paid a lump sum if you have a covered injury and can use the money to help pay out-of-pocket medical costs or everyday expenses.

	Benefits
Accidental Death
Employee	$20,000
Spouse	$10,000
Child	$5,000
Dismemberment
ONE Hand, Foot, or Eye	50% of AD&D benefit
BOTH Hands ,Feet, or Eyes	100% of AD&D benefit
Speech or Hearing (both Ears)	100% of AD&D benefit
Thumb or Index Finger - Same Hand	25% of AD&D benefit
Paralysis
Quadriplegia	100% of AD&D benefit
Paraplegia	50% of AD&D benefit
Initial Care
Emergency Room	$250
Urgent Care	$100
Hospitalization
Admission	$1,500
Confinement	$250 per day
ICU Admission	$3,000
ICU Confinement	$500 per day
Rehabilitation	$50 per day
Surgery
Cranial, Open Abdominal, Thoracic	Schedule up to $1,000
Repair of Tendon, Ligament, Rotator Cuff	1: $250 2 or more: $500
Exploratory/Arthroscopic	$300
Other Benefits
Appliances (Wheelchairs, Crutches, etc.)	Schedule up to $300
Burns	Schedule up to $12,000
Childcare	$20 per day
Coma	$7,500
Dislocations	Schedule up to $7,000
Emergency Dental Work
Crowns	$200
Extractions	$50
Eye Injury	$200
Fractures	Schedule up to $7,000
Lacerations	Schedule up to $300
Lodging	$100 per day
Major Diagnostic Exams	$200
Physical Therapy	$25 per day
Prosthetics	1: $250 2 or more: $500
Transportation
Ambulance	$200
Air Ambulance	$1,000

Monthly Cost	Value	Advantage
Employee Only	$10.22	$14.31
Employee + Spouse	$17.14	$23.77
Employee + Child(ren)	$17.48	$24.02
Family	$24.40	$33.48

Downloads

Summary of Benefits

Evidence of Insurability

You have the option to purchase critical illness insurance, which provides a fixed, lump-sum benefit upon the diagnosis of a serious illness like heart attack, stroke, or cancer. Benefits are paid directly to you and may be used for any reason from deductibles and prescriptions to travel expenses, childcare or other everyday expenses.

Benefits	First Occurrence	Second Occurrence
Heart Attack	100%	50%
Stroke	Moderate: 50% Severe: 100%	Moderate: 25% Severe: 50%
Coronary Bypass Surgery	50%	0%
Cancer
Invasive Cancer	100%	50%
Cancer in Situ	30%	0%
Benign Brain Tumor	100%	0%
Organ Category
Organ Failure	100%	50%
Kidney Failure	100%	50%
Childhood Illnesses
Cerebral Palsy	100%	N/A
Structural Congenital Defects	100%	N/A
Type I Diabetes	100%	N/A
Other Conditions
ALS (Lou Gehrig's Disease)	100%	N/A
Alzheimer's	Early stage: 50% Advanced: 100%	N/A
Coma	100%	N/A
Loss of Speech, Sight or Hearing	100%	N/A
Paralysis	100%	N/A
Parkinson's	Early stage: 50% Advanced: 100%	N/A


For rate information, refer to your Critical Illness Benefit Summary in your Guardian Enrollment Kit.

Downloads

Summary of Benefits

Evidence of Insurability

You have the option to purchase hospital indemnity insurance, which pays you benefits while you are confined to a hospital. This type of coverage is helpful because it covers your out-of-pocket expenses not covered by your medical plan.

	Benefits
Hospital / ICU Admission	$1,000
Hospital / ICU Confinement	$100 / $200 per day
Treatments Covered	Sickness and Injury
Portability	Included

	Monthly Cost
Employee Only	$17.00
Employee + Spouse	$32.00
Employee + Child(ren)	$27.42
Family	$42.43

Downloads

Summary of Benefits

Evidence of Insurability

You have the option to purchase cancer insurance, which pays cash benefits directly to you when you need them the most. If you’re ever diagnosed with a covered cancer, these benefits are more important than ever. Cancer treatment is expensive—today, cancer costs patients and families more than any other chronic illness. Cancer Protection Assurance can help with cancer-associated costs like deductibles, co-pays, lost work time, or even travel.

	Benefits
Initial Diagnosis
Benefit Amount	$2,500
Waiting Period	30 days
Cancer Screening	$50
Radiation / Chemotherapy
Benefit	Up to $10,000
Pre-Existing Conditions Limitation	12/12
Portability	Included
Child(ren) Age Limits	Birth to 26
Hospitalization
Hospital Confinement	$300/day for first 30 days $600/day for 31st day thereafter
Surgical Benefit	Schedule up to $4,125
Hospice	$50/day
Reconstructive Surgery	Schedule up to $2,000
Transportation
Air Ambulance	$1,500/trip
Ambulance	$200/trip
Other Benefits
Anesthesia	25% of surgery benefit
Anti-Nausea	$50/day
Attending Physician	$25/day
Blood/Plasma Platelets	$100/day up to $5,000 per year
Bone Marrow/Stem Cell	Up to $7,500
Experimental Treatment	$100/day
Extended Care Facility/Skilled Nursing Care	$100/day
Home Health Care	$50/visit
Medical Imaging	$100
Outpatient & Family Member Lodging	$75/day
Prosthetic	Up to $4,000
Second Surgical Opinion	$200
Skin Cancer	Up to $600
Immunotherapy	Schedule up to $2,500