{"id":2341,"date":"2021-10-01T19:32:28","date_gmt":"2021-10-01T19:32:28","guid":{"rendered":"https:\/\/www.amalgamatedbenefits.com\/amalgamated-life\/?page_id=2341"},"modified":"2024-02-16T13:05:35","modified_gmt":"2024-02-16T18:05:35","slug":"accident-insurance","status":"publish","type":"page","link":"https:\/\/www.amalgamatedbenefits.com\/amalgamated-life\/accident-insurance\/","title":{"rendered":"Accident Insurance (Non-NY)"},"content":{"rendered":"

Offering Vital Protection When Accidents Happen<\/h2>\n

Unfortunately, accidents are a fact of life. They come in many forms, ranging from falls, burns or unintentional poisoning to motor vehicle or gun-related accidents. They cause a wide range of injuries which, in turn, can create a tremendous financial burden for men and women who are unprepared. Amalgamated Life offers a robust Accident Insurance policy designed to provide vital protection when an accident-related injury occurs.<\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
BENEFIT<\/th>\nAMOUNT<\/th>\n<\/tr>\n<\/thead>\n
\n
Primary Insured<\/h5>\n<\/td>\n
<\/td>\n<\/tr>\n
Non-Common Carrier Accident <\/strong><\/td>\n$25,000<\/td>\n<\/tr>\n
Common Carrier Accident <\/strong><\/td>\n$100,000<\/td>\n<\/tr>\n
Catastrophic Accident <\/strong><\/td>\n$20,000*<\/td>\n<\/tr>\n
Loss of Fingers, Toes, Hands, Feet, Arms, Legs or Sight of Eyes
Loss of one hand, or one foot, or one arm, or one leg, or sight of one eye <\/td>\n		$10,000<\/td>\n<\/tr>\n
Loss of one finger or toe <\/td>\n$2,000<\/td>\n<\/tr>\n
\n
Spouse<\/h5>\n<\/td>\n
<\/td>\n<\/tr>\n
Non-Common Carrier Accident <\/strong><\/td>\n$25,000<\/td>\n<\/tr>\n
Common Carrier Accident <\/strong><\/td>\n$100,000<\/td>\n<\/tr>\n
Catastrophic Accident <\/strong><\/td>\n$10,000*<\/td>\n<\/tr>\n
Loss of Fingers, Toes, Hands, Feet, Arms, Legs or Sight of Eyes
Loss of one hand, or one foot, or one arm, or one leg, or sight of one eye <\/td>\n		$5,000<\/td>\n<\/tr>\n
Loss of one finger or toe <\/td>\n$1,000<\/td>\n<\/tr>\n
\n
Children<\/h5>\n<\/td>\n
<\/td>\n<\/tr>\n
Non-Common Carrier Accident <\/strong><\/td>\n$5,000<\/td>\n<\/tr>\n
Common Carrier Accident <\/strong><\/td>\n$10,000<\/td>\n<\/tr>\n
Catastrophic Accident <\/strong><\/td>\n$10,000*<\/td>\n<\/tr>\n
Loss of Fingers, Toes, Hands, Feet, Arms, Legs or Sight of Eyes
Loss of one hand, or one foot, or one arm, or one leg, or sight of one eye <\/td>\n		$5,000<\/td>\n<\/tr>\n
Loss of one finger or toe <\/td>\n$1,000<\/td>\n<\/tr>\n
Accident Follow-Up <\/strong><\/td>\n$25<\/td>\n<\/tr>\n
Air Ambulance <\/strong><\/td>\n$500<\/td>\n<\/tr>\n
Ambulance <\/strong><\/td>\n$150<\/td>\n<\/tr>\n
Blood, Plasma, Platelets <\/strong><\/td>\n$200<\/td>\n<\/tr>\n
Burns<\/strong><\/td>\n<\/td>\n<\/tr>\n
  Flat amount for:<\/td>\n<\/td>\n<\/tr>\n
  2nd degree for 36% or more of body surface <\/td>\n$500<\/td>\n<\/tr>\n
  3rd degree 9-34 sq. in. of body surface <\/td>\n$1,000<\/td>\n<\/tr>\n
  3rd degree 35 or more sq. in. of body surface <\/td>\n$10,000<\/td>\n<\/tr>\n
Coma <\/strong><\/td>\n$7,500<\/td>\n<\/tr>\n
Concussion <\/strong><\/td>\n$50<\/td>\n<\/tr>\n
Dislocation (based on joint involved)<\/strong><\/td>\n<\/td>\n<\/tr>\n
  Open Reduction <\/td>\n$100 to $2,000<\/td>\n<\/tr>\n
  Closed Reduction <\/td>\n$50 to $1,000<\/td>\n<\/tr>\n
Emergency Dental Work<\/strong><\/td>\n<\/td>\n<\/tr>\n
Broken teeth repaired with crown(s) <\/td>\n$300<\/td>\n<\/tr>\n
Broken teeth resulting in extraction(s) <\/td>\n$100<\/td>\n<\/tr>\n
Emergency Room Treatment <\/strong><\/td>\n$150<\/td>\n<\/tr>\n
Eye Injury<\/strong><\/td>\n<\/td>\n<\/tr>\n
Surgical Repair <\/strong><\/td>\n$200<\/td>\n<\/tr>\n
Removal of Foreign Object<\/td>\n$50<\/td>\n<\/tr>\n
Fracture (based on bone involved)<\/strong><\/td>\n<\/td>\n<\/tr>\n
  Open Reduction <\/td>\n  $200 to $1,500<\/td>\n<\/tr>\n
  Closed Reduction <\/td>\n  $100 to $1,500<\/td>\n<\/tr>\n
Hospital Admission <\/strong><\/td>\n$1,000<\/td>\n<\/tr>\n
Hospital Confinement Per Day <\/strong><\/td>\n$200<\/td>\n<\/tr>\n
Hospital ICU Admission <\/strong><\/td>\n$1,500<\/td>\n<\/tr>\n
Hospital ICU Confinement Per Day <\/strong><\/td>\n$400<\/td>\n<\/tr>\n
Initial Office Visit <\/strong><\/td>\n$25<\/td>\n<\/tr>\n
Knee Cartilage (Torn)<\/strong><\/td>\n<\/td>\n<\/tr>\n
  With Surgical Repair <\/td>\n$500<\/td>\n<\/tr>\n
  Exploratory Surgery or Debridement <\/td>\n$150<\/td>\n<\/tr>\n
Laceration<\/strong><\/td>\n<\/td>\n<\/tr>\n
  Treated without stitches, staples, glue <\/td>\n$25<\/td>\n<\/tr>\n
  Total not more than 3 inches long
(less than 7.6 centimeters) and repaired by stitches <\/td>\n		$50<\/td>\n<\/tr>\n
  Total is greater than 3 and not more than 5 inches long
(7.6 to 12.5 centimeters) and repaired by stitches <\/td>\n		$200<\/td>\n<\/tr>\n
  Total is over 5 inches long (12.5 centimeters) and repaired by stitches <\/td>\n$400<\/td>\n<\/tr>\n
Lodging Per Day <\/strong><\/td>\n$100<\/td>\n<\/tr>\n
Major Diagnostic Exam <\/strong><\/td>\n$150<\/td>\n<\/tr>\n
Medical Appliances <\/strong><\/td>\n$100<\/td>\n<\/tr>\n
Pain Management\/Epidural <\/strong><\/td>\n$75<\/td>\n<\/tr>\n
Paralysis<\/strong><\/td>\n<\/td>\n<\/tr>\n
  Hemiplegia<\/td>\n$4,000<\/td>\n<\/tr>\n
  Paraplegia <\/td>\n$5,000<\/td>\n<\/tr>\n
  Quadriplegia <\/td>\n$10,000<\/td>\n<\/tr>\n
Physical Therapy Per Day <\/strong><\/td>\n$25<\/td>\n<\/tr>\n
Prosthetic Device\/Artificial Limb<\/strong><\/td>\n<\/td>\n<\/tr>\n
  One prosthetic device or artificial limb <\/td>\n$500<\/td>\n<\/tr>\n
  More than one device or artificial limb <\/td>\n$750<\/td>\n<\/tr>\n
Rehabilitation Unit Per Day <\/strong><\/td>\n$100<\/td>\n<\/tr>\n
Ruptured Disc with Surgical Repair <\/strong><\/td>\n$500<\/td>\n<\/tr>\n
Skin Graft <\/strong><\/td>\n50% of Burn Benefit<\/td>\n<\/tr>\n
Surgery<\/strong><\/td>\n<\/td>\n<\/tr>\n
  Cranial <\/td>\n$1,000<\/td>\n<\/tr>\n
  Hernia with Surgical Repair <\/td>\n$1,000<\/td>\n<\/tr>\n
  Abdominal\/Thoracic With Surgical Repair <\/td>\n$1,000<\/td>\n<\/tr>\n
  Abdominal\/Thoracic Exploratory Surgery <\/td>\n$150<\/td>\n<\/tr>\n
  Miscellaneous Surgery with general anesthesia <\/td>\n$250<\/td>\n<\/tr>\n
  Miscellaneous Surgery with conscious sedation <\/td>\n$100<\/td>\n<\/tr>\n
Tendon\/ Ligament\/ Rotator Cuff<\/strong><\/td>\n<\/td>\n<\/tr>\n
  Surgical repair of one or more tendon, ligament or rotator cuff <\/td>\n$500<\/td>\n<\/tr>\n
  If exploratory arthroscopic surgery is performed and no repair is done <\/td>\n$150<\/td>\n<\/tr>\n
Transportation<\/strong> <\/td>\n$350<\/td>\n<\/tr>\n
X-Ray<\/strong> <\/td>\n$50<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n
<\/div>\n

YOU Decide How to Use the Cash Benefits<\/strong><\/h2>\n

Our cash benefits provide you with greater coverage options because you get to decide how to use them.<\/h4>\n

Finances<\/strong>
Can help protect your HSAs, savings, retirement plans and 401ks from being depleted<\/p>\n

Travel<\/strong>
You can use your cash benefits to help pay for expenses while
receiving treatment in another city<\/p>\n

Home<\/strong>
You can use your cash benefits to help pay the mortgage, rental
payments, or perform needed home repairs for your after care<\/p>\n

Expenses<\/strong>
The cash benefit can be used to help pay your family\u2019s living
expenses such as bills, electricity and gas<\/p>\n

Accident Plan Features<\/h3>\n