Accident Insurance from Trustmark Insurance Company helps pay for unexpected health care expenses due to accidents that occur every day, from the soccer field to the ski slope and the highway in between.
With Trustmark's Accident Insurance, you can focus your energy on recovery rather than worry about how you are going to pay your bills.
The program offers you the opportunity to apply for coverage in key benefit areas and continue that coverage should you change jobs or retire.
Valuable Features and Benefits
Trustmark's Accident Insurance includes benefits for initial care, injuries, hospitalization, follow-up care, transportation and lodging to help employees cushion the financial blow of an accident. Trustmark's Accident Insurance is Guaranteed Issue, ensuring that all employees can purchase coverage for themselves and their families, and enrolling is easy since there is no medical underwriting.
Hospital Admission Benefit
This benefit provides a lump sum benefit for admission to a hospital and is payable once per person for each covered accident.
Hospital Confinement Benefit
This benefit provides a daily benefit for confinement to a hospital and is payable for up to 365 days per person for each covered accident.
Hospital ICU Benefit
This benefit provides a daily benefit for confinement to a hospital intensive care unit and is payable for up to 15 days per person for each covered accident.
Accidental Death Benefit
This benefit provides a lump sum benefit for an accidental death that occurs within 90 days of a covered accident.
Definitions
Covered accident
An accident causing injury that occurs while coverage is in effect.
Injury or injuries
An accidental bodily injury resulting from a covered accident. It does not include sickness, disease or bodily infirmity. Overuse syndromes typically due to repetitive or recurrent activities, such as osteoarthritis, carpal tunnel syndrome or tendonitis, are considered to be a sickness and not an Injury.
Non-occupational injury
An injury that did not result from a person's work or occupation.
Highlights - Accident Insurance
Plan Feature
Benefit to You
Coverage Options
You can insure yourself, your spouse, your children and even your financially dependent grandchildren.
Guaranteed Issue for Everyone
No medical questions need to be answered to protect your family.
Guaranteed Renewable
Your policy is yours to keep even if you change jobs or retire.
Level Premiums
Rates do not increase as you age.
No Limitations for Preexisting Conditions
Benefits are not limited or excluded due to any preexisting condition you may have.
No Integration
Benefits paid regardless of any other coverage you have.
Accident Insurance Rates
Type of Coverage
Biweekly Rate
(26 per year)
Employee
$6.73
Employee & Spouse
$9.63
Employee & Child(ren) *
$13.74
Family *
$16.65
* Children can be covered up to age 26 (student status not required)
Benefit Amounts - Accident Insurance
INITIAL CARE Hospital Benefits
Admission Benefit (per admission) ..............$750
Confinement Benefit (per day up to 365 days) ...$200
ICU Benefit (per day up to 15 days) ............$400 Emergency Room Treatment........................$150 Ambulance
Ground .........................................$100
Air ............................................$500 Initial Doctor's Office Visit....................$50 Lodging (per night up to 30 days per accident)..$100 Surgery Benefit
Open, abdominal, thoracic ....................$1,000
Exploratory ....................................$100 Blood, Plasma and Platelets.....................$300 Emergency Dental Benefit
Extraction ......................................$50
Crown ..........................................$150
FOLLOW-UP CARE Accident Follow-up Treatment.....................$50 Physical Therapy
Up to 6 visits per person per accident ..........$25 Mobility Appliance..............................$100 Transportation
100+ miles, up to 3 trips ......................$300 Prosthetic Device or Artificial Limb
More than one ................................$1,000
One ............................................$500 Skin Grafts......................25% of burn benefit
INJURIES Fractures
Open reduction .........................up to $5,000
Closed reduction .......................up to $2,500
Chips ..........................25% of closed amount Dislocations
Open reduction .........................up to $4,000
Closed reduction .......................up to $2,000 Laceration..................................$25-$400 Burns
Flat amount for:
3rd degree for 35 or more sq. in ............$10,000
3rd degree for 9-34 sq. in ...................$1,500
2nd degree for 36% or more of body .............$750 Concussion......................................$100 Eye Injury
Requires surgery or removal of foreign body ....$200 Herniated Disc..................................$400 Loss of Finger, Toe, Hand, Foot or Sight
Loss of both hands, feet, sight of both eyes
or any combination of two or more losses ....$15,000
Loss of one hand, foot or sight of one eye ...$7,500
Loss of two or more fingers, toes or any
combination of two or more losses ............$1,500
Loss of one finger or one toe ..................$750 Tendon/Ligament/Rotator Cuff Injury
Repair of more than one ........................$600
Repair of one ..................................$400
Exploratory surgery without repair .............$100
Torn Knee Cartilage ............................$500
Exploratory surgery ............................$100
ACCIDENTAL DEATH
Employee ....................................$25,000
Spouse ......................................$10,000
Child ........................................$5,000
ACCIDENTAL DEATH - COMMON CARRIER
Employee ....................................$50,000
Spouse ......................................$20,000
Child .......................................$10,000
If your child is injured on the soccer field and breaks a leg, here's how accident benefits may be paid.
Without hospital stay
Ambulance ......................................$100
ER visit .......................................$150
Fractured leg ..................................$800
Crutches .......................................$100
2x Physical therapy .............................$50
Follow-up visit .................................$50 Total ........................................$1,250
With hospital stay
Ambulance ......................................$100
ER visit .......................................$150
Fractured leg ................................$1,600
Crutches .......................................$100
6x Physical therapy ............................$150
Follow-up visit .................................$50
Hospital admission .............................$750
3-Day hospital stay ............................$600 Total ........................................$3,500
Limitations and Exclusions
No benefits will be payable for an injury as the result of a Covered Accident that occurs during any involvement in any period of any type of armed conflict; while riding in or driving any motor-driven vehicle in a race, stunt show or speed test; while operating, learning to operate, serving as a crew member of or jumping or falling from any aircraft, including those which are not motor-driven (this does not include flying as a fare paying passenger in a scheduled or chartered flight operated by a commercial airline); while engaging in hang-gliding, bungee jumping, parachuting, sail gliding, parasailing, parakiting or any similar activities; while participating in or practicing for any semi-professional or professional competitive athletic contest in which any compensation is received; while participating or attempting to participate in an illegal activity, whether or not you are charged with a crime; and while committing or attempting to commit suicide or injuring yourself intentionally, whether you are sane or not. No benefits will be payable due to a work related injury or accident or for sickness or infection including physical or mental condition which is not caused solely by or as a direct result of a Covered Accident. Accident Insurance (Plan Form A607) is underwritten by Trustmark Insurance Company, Lake Forest, IL.
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