"Each Other's Keeper"

Accident Only

Have you ever uttered the phrase “Accidents Happen?”
Many people don’t realize how an accident can affect them financially. Accident Only protection is available whether on or off-duty, regardless of any medical insurance coverage you may have. Both minor and serious injuries are covered.

Download the Accident Only Protection Plan brochure for All States. Please contact your local representative with any questions about the Accident Only Protection Plan. 

Basic Plan

• Available to Active/Retired Police, Fire and Correctional Officers
• Pays up to $250 in medical fees per incident, plus injury payments
• Pays in addition to any other coverage, not affected by worker’s comp
• Tax-free payments
• Benefits paid directly to you

The outline below provides a very brief description of the important features of the Accident Only policy. Actual policy has additional coverages.

Included Benefits

Accidental Disability Income

• $800 per month – Off-the-Job disabilities
• $400 per month – On-the-Job disabilities

Accidental Hospital Confinement

• $1,200 per month/$40 per day – Off-the-Job
• $900 per month/$30 per day – On-the-Job

Accidental Dismemberment

• Double loss; $12,000 – Off-the-Job, $6,000 – On-the-Job
• Single loss; $6,000 – Off-the-Job, $3,000 – On-the-Job
• More than one finger or toe – $500
• One finger or toe – $250

Accidental Death

• $40,000 Travel on public conveyance
• $32,000 Licensed motor vehicle
• $24,000 – Off-the-Job
• $12,000 – On-the-Job

Medical Fees

• up to $250 – Off-the-Job

Physical Therapy

• up to $250 – Off-the-Job (Members Only)

Fractures

• $12 to $2,250, depending on severity (example: Fractured arm $750)

Dislocations

• $20 to $2,025, depending on severity (example: Dislocated Shoulder – $750)

Ruptured Disc or Torn Knee Cartilage

• First contract year – $100
• Thereafter – $400

Tendon and Ligament Repair

• $400 to $600

2nd and 3rd Degree Burns

• up to $600, depending on size and degree

Lacerations Requiring Stitches

• $50 to $200, depending on length

Ambulance

• $100 per occurrence

Air Ambulance – Off-the-Job only

• $1,500 per occurrence

Blood or Plasma

• $200 per occurrence

Appliances

• $100 (crutches/wheelchair)

Eye Injury

• $100 

Emergency Treatment – On-the-Job only

• $125 – If you are injured in a covered accident and are not eligible for any other benefits.

Optional Riders

Increased Income

• adds $400 per month – Off-the-Job disabilities (total income $1,200 month)
• adds $200 per month -On-the-Job disabilities (total income $600 month)

Non-Fatal Gunshot Wound Rider

• Benefits: Payment for a gunshot wound requiring overnight hospitalization within 24 hours after the accident. Total benefit payment $1,000.

Non-Fatal Burn Rider

• Increased Specific Benefit up to $1,000.

Spouse Rider

• Spouse coverage covers your husband/wife for injuries and accidental death.

 

The above is only an illustration of benefits, not a contract. See the contract for complete description of benefits, conditions and exceptions.