Allied Solutions, LLC Benefits At-A-Glance
Accident Insurance
Lincoln Accident Insurance Plan: • Provides cash benefits if you or a covered family member is accidentally injured while on and off the job • Features group rates for employees • Benefits are focused on the family, safety, and accident prevention
Emergency treatment
Your cash benefit
Ambulance
$400
Air ambulance
$1,500
Emergency care/treatment
$200
Initial care visit
$100
Major diagnostic exam
$250
X-ray
$150
Fractures*
Your cash benefit
Ankle
$2,000
Arm (shoulder to elbow)
$1,950
Arm (elbow to wrist)
$1,400
Coccyx
$550
Collarbone
$1,600
Elbow
$500
Bones of the face
$1,500
Fingers
$320
Foot (except toes)
$2,000
Hand (except fingers)
$2,000
Hip
$4,000
Jaw upper
$1,675
Jaw lower
$1,875
Kneecap
$2,000
Leg (hip to knee)
$3,500
Leg (knee to ankle)
$2,400
Nose
$1,750
Pelvis
$3,200
Rib
$700
Shoulder blade
$2,225
Skull depressed
$4,000
Skull non-depressed
$2,000
Sternum
$675
Toes
$320
Fractures*
Your cash benefit
Vertebral Body
$2,525
Vertebral process
$1,450
Wrist
$1,550
Surgical treatment surgery
Two times nonsurgical benefit
Chip fracture
25% of fracture benefit
*Fracture benefits listed are nonsurgical. Treatment for the fracture must occur within 90 days of the accident. The combined maximum of all fractures is two times the highest fracture payable. No money is due at enrollment. Your premium simply comes out of your paycheck.
Dislocations *
Your cash benefit
Ankle
$1,875
Collarbone (acromio and separation)
$1,450
Collarbone (sternoclavicular)
$1,900
Elbow
$1,425
Fingers
$400
Foot (except toes)
$1,275
Hand (except fingers)
$1,050
Hip
$4,000
Lower jaw
$925
Knee (except kneecap)
$2,325
Shoulder
$3,500
Toes
$240
Wrist
$1,425
Surgical treatment
Two times nonsurgical benefit
Partial dislocation
25% of dislocation benefit
*Dislocation benefits listed are nonsurgical. Treatment for the dislocation must occur within 90 days of the accident. The combined maximum of all dislocations is two times the highest dislocation payable.
EED-ACC-FLI001_Z01
Group Accident Insurance | Benefits At-A-Glance
Specific Injuries
Your Cash Benefit
Blood, plasma, platelets, and other non-blood substitute IV solutions 2nd degree burns: Based upon surface area burned
$250 $100-$1,000
3rd degree burns: Based upon surface area burned
$1,000-$20,000
Skin grafts
25% of burn benefit
Concussion
$200
Dental crown
$300
Dental extraction
$100
Eye (surgical repair)
$300
Eye (removal of foreign object)
$200
Laceration: Based upon the need for and length of sutures
$75-$750
Severe traumatic brain injury
$10,000
Surgical benefits:* Arthroscopic
$400
Cranial
$1,500
Hernia
$150
Other surgery under conscious sedation
$150
Other surgery under general anesthesia
$300
Repair of knee cartilage
$1,000
Repair of ligaments, tendons, rotator cuff
$1,000
Repair of ruptured disc
$1,000
Open abdominal or thoracic
$1,500
*Benefits will be paid up to two times the highest surgical benefit payable for all surgeries.
EED-ACC-FLI001_Z01
Group Accident Insurance | Benefits At-A-Glance
Hospitalization and ongoing care
Your cash benefit
Accident hospital admission
$1,000
Accident hospital daily confinement
$200
Accident intensive care admission
$2,000
Accident intensive care daily confinement
$400
Physical, occupational, and chiropractic therapy (up to six sessions)
$65
Physician follow-up visits (up to 10 visits) Alternative care/rehab facility daily confinement/rehabilitative confinement Epidural/cortisone pain management (up to one, two injections)
$140
Medical mobility devices
$150
Wheelchair (expected use one year or more)
$600
Wheelchair (expected use less than one year)
$175
Prosthesis (per limb)
$750
Recovery assistance
Your cash benefit
Family care
$250
Companion lodging (100+ miles from home)
$200 per day
Transportation (100+ miles from home)
$400 per trip
EED-ACC-FLI001_Z01
$200 $85
Group Accident Insurance | Benefits At-A-Glance
Accidental Death & Dismemberment benefit Accidental death Your death Your spouse or life partner Your child Common carrier death Your death Your spouse or life partner Your child A common carrier is any land, air, or water conveyance licensed to transport passengers for hire. Transportation of remains (100+ miles)
Your cash benefit $50,000 $25,000 $12,500 $100,000 $50,000 $25,000
Loss of hand, foot, arm, leg, eye, or hearing in one ear
$12,500 10% of accidental death and dismemberment benefit 10% of accidental death and dismemberment benefit 10% of accidental death and dismemberment benefit $12,500
Loss of finger, thumb, toe
$1,625
Loss of sight in both eyes
$32,500
Loss of hearing in both ears
$32,500
Loss of speech
$32,500
Loss of both arms
$32,500
Loss of both legs
$32,500
Loss of arm and leg
$32,500
Paraplegia
$32,500
Hemiplegia
$32,500
Loss of both arms and both legs
$32,500
Quadriplegia Education: This benefit is paid if an insured person dies within 365 days of a covered accident and is survived by one or more full-time students.
$32,500
Safe driver: Seat belt Safe driver: Air bag Safe driver: Helmet
The education benefit is payable for each full-time student. Spouse training: This benefit is paid if a covered employee or dependent spouse dies within 365 days of a covered accident, and the surviving spouse is enrolled as a student. The spouse training benefit covers students enrolled in any school that retrains or refreshes skills needed for employment within 365 days from the date of death. Modification to home/auto: This benefit is payable for modifications to make the principal residence accessible or the vehicle ridable if the insured suffers a severe loss. This benefit is payable once per person within 365 days of the accident. EED-ACC-FLI001_Z01
10% of accidental death benefit
10% of accidental death benefit
$3,500
Group Accident Insurance | Benefits At-A-Glance
Additional plan benefits Portability
Included
This is not intended as a complete description of the insurance coverage offered. While benefit amounts stated in this summary are specific to your coverage, other items may summarize our standard product features and not the specific features of your coverage. Controlling provisions are provided in the policy, and this summary does not modify those provisions or the insurance in any way. This is not a binding contract. A policy will be made available to you that describes the benefits in greater detail. Refer to your certificate for your maximum benefit amounts. Should there be a difference between this summary and the policy, the policy will govern. Benefits may vary by state, have limits on the number of services provided, or limit the time frame in which the services must be rendered. See your certificate booklet or policy for more information. Insurance products are issued by The Lincoln National Life Insurance Company (Fort Wayne, IN), which does not solicit business in New York, nor is licensed to do so. Product availability and/or features may vary by state. Limitations and exclusions apply.
©2021 Lincoln National Corporation LCN-3881347-102221 EED-ACC-FLI001_Z01
Group Accident Insurance | Benefits At-A-Glance
Benefit exclusions Accident insurance covers many injuries that result from a covered event. The policy exclusions are: 1. Disease, physical or mental infirmity, sickness, or medical or surgical treatment of these 2. Suicide, attempted suicide, or any intentionally self-inflicted injury, while sane or insane 3. Voluntary intake or use by any means of any drugs, poison, gas, or fumes, voluntary use of controlled substance, voluntary intake or use by any means of any drug, except when: a. Prescribed or administered by a physician, and b. Taken in accordance with the physician’s instructions 4. Committing or attempting to commit a felony, participation in a felony, voluntary participation in a felony, voluntary committing or attempting to commit a felony 5. War or any act of war, declared or undeclared, war or any act of war other than terrorism, declared or undeclared, war or any act of war, declared or undeclared while serving in the military or an auxiliary unit attached to the military or working in an area of war, whether voluntarily or as required by an employer 6. Participation in a riot, insurrection, or rebellion of any kind 7. Military duty, including the Reserves or National Guard 8. Travel or flight in or on any aircraft, except: a. As a fare-paying passenger on a regularly scheduled commercial flight; or b. As a passenger, pilot, or crew member in the group policyholder’s aircraft while flying for the group policyholder’s business, provided: i. The aircraft has a valid U.S. airworthiness certificate or foreign equivalent; and ii. The pilot has a valid pilot’s certificate with a nonstudent rating authorizing him to fly the aircraft 9. Driving a vehicle while intoxicated, as defined by the jurisdiction where the accident occurred. For accidental death and dismemberment only, benefits are not payable for any loss sustained or contracted in consequence of your or your insured dependent being intoxicated or under the influence of any narcotic; operating a motor vehicle while intoxicated, as defined by the law of the state in which the accident occurred, if it is a felony 10. Cosmetic or elective surgery, physician determination of cosmetic or elective surgery, cosmetic surgery, surgery to improve appearance, cosmetic or elective surgery when it is to improve appearance rather than restore function or correct a deformity resulting from an injury 11. Being incarcerated in any type of penal or detention facility, injury sustained while confined to jail, workhouse, or other corrections facility when it is due to an act of the facility and law enforcement is liable 12. Under the influence of narcotics, unless prescribed and taken in accordance with the prescription by a physician 13. Participating in, practicing for, or officiating any semi-professional or professional sport 14. Riding in or driving in any motor driven vehicle for race, stunt show, or speed test 15. An injury sustained while residing outside the U.S., U.S. territories, Canada, or Mexico for more than 12 months 16. Bungee cord jumping, mountaineering, or base jumping 17. Skydiving, parachuting, or jumping from any aircraft for recreational purposes This is an incomplete list of benefit exclusions. A complete list is included in the policy. State variations apply.
Questions? Call 800-423-2765 and mention ID ALLSOL.
Accident insurance premium Here’s how little you pay with group rates As an employee, you can take advantage of this accident insurance plan. Plus, you can add loved ones to the plan for just a little more.
Coverage
Monthly premium
Employee only
$13.08
Employee & spouse
$21.31
Employee & child/children
$22.56
Employee & family
$30.68
Note: The premiums for this coverage will not change due to your age. The premium for Employee & family coverage includes all children.
The Lincoln National Life Insurance Company Please see prior page for product information. EED-ACC-FLI001_Z01
Group Accident Insurance | Benefits At-A-Glance