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Enhanced Accident Insurance
Enhanced Accident Insurance
Accident Insurance from Trustmark Insurance Company helps pay for unexpected health care expenses due to non-occupational accidents that occur every day, from the soccer field, to the ski slope, and the highway in between. Please watch the Accident Insurance video for more information on this benefit.
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.
Note: If you are currently not an Accident Insurance policyholder you are only eligible to enroll in the Enhanced Accident Insurance Plan. The 2016 Open Enrollment was the last opportunity to change coverage to the Enhanced Accident Plan if you were enrolled in the Accident Insurance Plan.
When both you and your spouse are eligible for insurance under this policy as an Employee, you may each enroll either as an Employee or the Dependent of an Employee, but not both. Spouse must not be disabled at the time of application.
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. Additional plan highlights & features:
- Hospital Admission Benefit - provides a lump sum benefit for admission to a hospital and is payable once per person for each covered accident.
- Hospital Confinement 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 - 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 - provides a lump sum benefit for an accidental death that occurs within 90 days of a covered accident.
- Coverage Options - insure yourself, your spouse, your children and even your financially-dependent grandchildren.
- Guaranteed Issue for Everyone - no medical questions need to be answered.
- Guaranteed Renewable and Portable - 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 Pre-Existing Conditions - benefits are not limited or excluded due to any pre-existing condition.
- No Integration - benefits paid regardless of any other coverage you have.
Examples for illustration only. Your benefits may differ by injury, services received, and state.
Bi-Weekly Insurance Rate Chart (26 pay-periods/year)
(This plan is no longer available
for enrollment as of March 2016)
|Employee & Spouse||$9.63||$9.84|
|Employee & Child(ren)*||$13.74||$13.91|
*Children can be covered up to age 26 (student status not required).
Accident Insurance Chart
(This plan is no longer available as of March 2016)
*Coverage may vary by
state of residence.
*Coverage may vary by
state of residence.
|Admission Benefit (per Admission)||$750||$2000|
|Confinement Benefit (per day up to 365 days)||$200||$400|
|ICU Benefit (per day up to 15 days)||$400||$600|
|Initial Doctor's Office Visit||$50||$100|
|Lodging (per night up to 30 days per accident)||$100||$100|
|Open, abdominal, thoracic||$1,000||$2,000|
|Blood, Plasma, and Platelets||$300||$600|
|Emergency Dental Benefit|
|Accident Follow-up Treatment||$50||$100|
|Physical Therapy (up to 6 visits per-person, per accident)||$25||$50|
|Transportation 100+ miles, up to 3 trips||$300||$475|
|Prosthetic Device or Artificial Limb|
|More than one||$1,000||$2,000|
|Skin Grafts||25% of burn benefit||25% of applicable burn benefit|
|Fractures (Open reduction)||up to $5,000||up to $10,000|
|Fractures (Closed reduction)||up to $2,500||up to $5,000|
|Chips||25% of closed amount||25% of closed amount|
|Open reduction||up to $4,000||up to $8,000|
|Closed reduction||up to $2,000||up to $4,000|
|Laceration||$25 to $400||$25-$800|
|Flat amount for:3rd degree for 35 or more sq. in||$10,000||$15,000|
|3rd degree for 9-34 sq. in||$1,500||$2,250|
|2nd degree for 36% or more of body||$750||$1,125|
|Requires surgery or removal of foreign body||$200||$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||$15,000|
|Loss of one hand, foot or sight of one eye||$7,500||$7,500|
|Loss of two or more fingers, toes or any combination of two or more losses||$1,500||$1,500|
|Loss of one finger or one toe||$750||$750|
|Tendon/Ligament/Rotator Cuff Injury|
|Repair of more than one||$600||$1,200|
|Repair of one||$400||$800|
|Exploratory surgery without repair||$100||$200|
|Torn Knee Cartilage||$500||$1,000|
|Accidental Death - Common Carrier|
How Accident Benefits Work
If your child is injured on the soccer field and breaks a leg, here's how the Enhanced Accident Insurance benefits may be paid:
|Without a Hospital Stay||With a Hospital Stay|
|2x Physical Therapy||$100||-|
|6x Physical Therapy||-||$300|
|3-Day Hospital Stay||-||$800|
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, Para-kiting 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.
File an Accident Insurance Claim
To file Accident Insurance claims, visit TrustmarkVB.com. All claims must be filed within 90 days from the date of the accident or as soon as it is reasonably possible, if longer. To update policy information, or for questions about your Trustmark policy, call 800-918-8877.
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.