Accident Insurance
Absolute Group offers an accident plan through Transamerica. This plan offers payouts for accident emergency treatment, follow-up visits & physical therapy, and initial accident hospitalization.
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18 years and older
Active employee, working 30 hours per week
Not covered by any Title XIX programs such as Medicaid
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18 years or older
Legally married spouse, common law spouse, domestic partner, or civil union partner if legally recognized in the governing jurisdiction
Not disabled
Not covered by any Title XIX program such as Medicaid
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Under 26 years old
Natural child
Legally adopted or has been placed for adoption
Stepchild or foster child
Grandchild living with the employee and dependent for support and maintenance
A child for whom the employee has been appointed legal guardian
Not disabled
Not covered by any Title XIX program such as Medicaid
Once insurance is in force, newborn or newly-adopted children will automatically be insured from the date of birth, placement, or court order for a period of 60 days. In order for such insurance to continue, family insurance must be in force.
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This benefit is payable per calendar for one annual health screening listed for the insured employee and one test for an insured spouse. (15 units)
Blood test for triglycerides
Bone marrow testing
Breast ultrasound
CA 125 (blood test for ovarian cancer)
CA 15-3 (blood test for breast cancer)
CEA (blood test for colon cancer)
Chest X-ray
Colonoscopy
Fasting blood glucose test
Flexible sigmoidoscopy
Hemocult stool analysis
Mammography
Pap Test
PSA (blood test for prostate cancer)
Serum cholesterol test to determine HDL/LDL level
Serum Protein Electrophoresis (blood test for myeloma)
Stress test on a bicycle or treadmill
Thermography
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Employee: $21.29
Employee and Child(ren): $27.25
Employee and Spouse: $32.70
Employee, Spouse and Child(ren): $39.30
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Product Details
| Accident Emergency Treatment | 12 Units | ||
|---|---|---|---|
| Accident Emergency Treatment Benefit For physician treatment and X-rays in a hospital emergency room or doctor's office within 96 hours of the accident. | $300 | ||
| Major Diagnostic Examination Benefit For one CT Scan, MRI, or EEG completed within 90 days of the accident. | $400 | ||
| Disolcation Benefit Payble for joint dislocation reduced under general anesthesia. Dislocation reduced without general anesthesia paid at 25% of the joint's benefit amount. No other amount will be paid under this benefit. | Dislocated Joint | Reduction | |
| Open | Closed | ||
| Hip | $9,600 | $3,240 | |
| Knee or Shoulder | $3,240 | $1,320 | |
| Collar Bone | $5,160 | $960 | |
| Ankle or Foot (except toes) | $3,240 | $960 | |
| Lower Jaw | $3,240 | $1,680 | |
| Wrist or Elbow | $2,640 | $1,320 | |
| Toe or Finger | $720 | $360 | |
| Follow-Up Visits and Physical Therapy | 7.5 Units | ||
|---|---|---|---|
| Accident Follow-Up Treatment Benefit Maximum of three (3) follow-up visits per accident. Original treatment must have been within 96 hours of the accident. Treatment must be provided by a physician in their office or in a hospital on an outpatient basis; begin within 30 days of, and be completed within the 6 months following the later of: the accident; discharge from the hospital from a covered confinement; or discharge from an extended care facility. | $75 | ||
| Physical Therapy Benefit For treatments by a licensed physical therapist under a physician's advice that begin within 120 days of the acident and are completed within 1 year of the accident, not to exceed 10 treatments per accident | $75 |
| Initial Accident Hospitalization | 4 Units | ||
|---|---|---|---|
| Initial Accident Hospitalization Benefit Payable once for the first hospital admission due to an accident. Benefit is payable once for the fist Intensive Care Unit admission due to an accident. the ICU benefit is paid even if admitted to the hospital initally and then transferred to ICU later during the same hospitalization. | $1,200 | ||
| Ambulance Benefit For transportation to the nearest hospital for treatment within 96 hours of the accident by a licensed ambulance service. | Ground Ambulance | $240 | |
| Air Ambulance | $1,200 | ||
| Accident Hospital and ICU Income Rider (Form No. CRHICU00) | 4 Units | ||
|---|---|---|---|
| Accident Hospital INcome Benefit For hospital confinement for treatment of injuries beginning within 30 days of the accident. Benefit is payable for up to 365 days per accident. | $100 | ||
| Accident ICU Benefit For ICU confinement while the person is receiving the hospital income benefit. Benefit is payable for up to 15 days per accident. | $300 |
| Expanded Benefits Rider (Form No. CREXPB00) | 3 Units | ||
|---|---|---|---|
| The following benefits are payable once, per person, per accident for injuries sustained in a covered accident. | |||
| Burns Must be treated by a physician within 96 hours of the accident. One or more skin grafts for a covered burn will be paid at 50% of the burn benefit amount paid for the burn involved. | Second-degree burns of body surface: At least 25%, but not more than 35% | $180 | |
| More than 35% | $450 | ||
| Third-degree burns of body surface: 6 through 10 square centimeters | $450 | ||
| 10 through 25 square centimeters | $1,200 | ||
| 25 through 35 square centimeters | $2,700 | ||
| more than 35 square centimeters | $3,600 | ||
| Lacerations Must be treated or repaired within 96 hours of the accident. | Lacerations not requiring sutures | $12 | |
| Single laceration less than 7.6 centimeters | $24 | ||
| Lacerations 7.6 to 20 centimeters | $90 | ||
| Lacerations over 20 centimeters | $180 | ||
| Eye Injury | With surgical repair | $120 | |
| Non-surgical removal of foreign body by physician | $21 | ||
| Emergency Dental Work | One or more broken teeth repaired with crowns | $90 | |
| One or more broken teeth resulting in extractions | $24 | ||
| Brain Concussion Must be diagnosed by a physician within 96 hours of the accident. | $60 | ||
| Coma Unconsiousness for 14 consecutive days with no reaction to external stimuli, no reaction to internal needs and require the use of life support systems. | $4,500 | ||
| Paralysis Lasting a minimum of 30 days | Quadriplegia (paralysis of four limbs) | $4,500 | |
| Paraplegia (paralysis of lower limbs) | $2,500 | ||
| Tendons, Ligaments and/or Rotator Cuffs Must be detached, torn, ruptured or severed and surgically repaired by a physician within one (1) year of the accident. Only one of the benefits is payable. | Arthroscopic surgery with: No repair | $60 | |
| One repair | $150 | ||
| Two or more repairs | $300 | ||
| Major Surgery For an open abdominal, cranial or thoracic surgery performed by a physician within 1 year of the accident. Laproscopic procedures are excluded. | $450 | ||
| Appliance For a physician-recommended medical appliance to aid personal locomotion, such as crutches, leg braces, wheelchairs and walkers. This benefit is not payable for prosthetic devices. | $60 | ||
| Prosthetic Devices For one or more prosthetic devices received within 1 year of the accident. This benefit is not payable for hearing aids, dental aids (including false teeth),glasses, cosmetic prosthetic devices, such as wigs, or joint replacement, such as an artificial hip or knee. | One prosthetic device | $225 | |
| Two or more prosthetic devices | $450 | ||
| Blood, Plasma and Platelets Required for the treatment of injuries due to a covered accident. Immunoglobulin is not covered. | $120 | ||
| Transportation Benefit is payable for up to 2 round trips to the hospital per accident per insured person if special treatment and hospital confinement occurs within 30 days of the accident. The local attending physician must prescribe treatment that is not available locally. Benefit is not payable for transportation to any hospial within a 100-mile radius of the accident site or insured person's residence. | $180 | ||
| Family Lodging Benefit Benefit is payable per day, maximum of 30 days, for one motel/hotel room for a member of the immediate family to accompany the insured person for treatment of injuries prescribed by a physician. Hospital confinement must be in a facility at least 100 miles from the insured person's residence and confinement must begin within 30 days of the accident. Benefits are not payable for services rerndered by an immediate family member | $45 | ||