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OCCUPATIONAL and NON-OCCUPATIONAL ACCIDENT COVERAGE - GUARANTEED ISSUE FOR OWNERS; DRIVERS & OTHER EMPLOYEES COVERAGES: PART ONE: 24 Hour (on or off the job) Accidental Death & Dismemberment Up to $250,000 lump sum payment PART TWO: 24 Hour (on or off the job) Accident Medical/Dental Expense Insurance: Fully Insured - Any Provider Up to $10,000 any one accident/incident $100 deductible each incident Also including dismemberment up to $50,000 for the loss of: Life; Both Hands, Both Feet - 100% Entire sight of both eyes; one hand & one foot - 100% One hand (or one foot); & entire sight of one eye - 50% Loss of speech or hearing in both ears - 50% Loss of thumb & index finger of the same hand - 25% PART THREE: Accident Short Term & Long Term Disability (Primary must work at least 30 hours per week) SHORT TERM Weekly benefit is 70% of gross income, not to exceed $250 weekly Benefit begins after 14 days for 52 weeks of being totally disabled, or to age 70 (Exclusion: Injuries covered by Workers Compensation; Occupational Disease Law or Mandatory No-fault Automobile Insurance --Also includes $150 per day in Hospital Indemnity from day one for 31 days-- LONG TERM If after a period of six months the insured is re-classified as being Permanent Totally Disabled, the following benefit will be paid: After the waiting period and for the next six months (regardless of income) a benefit of $5,000 per month will be payable. Then a benefit amount of $10,000 a month is payable for 10 years. Benefits for the eleven year permanent total disability period total $1,236,500. FOR THESE TWO (part three) BENEFITS, THEY ARE PAID OVER AND ABOVE ANY OTHER COVERAGE. |