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- NO DEDUCTIBLE - NO COINSURANCE!
- Pays up to $500,000 for covered medical expenses incurred within two years of a covered occupational accident.
- Pays reasonable and customary charges, or 100% if using our Preferred Provider Network, for medical, hospital, and prescription drug charges incurred as the result of a covered accident, prescribed medical and/or surgical services and supplies.
- Includes accident benefits for ambulance service, including air ambulance, home health care, and chiropractic treatment (subject to policy limits).
- Pays up to $1,000 per injury for accidental dental expenses.
Temporary Total Disability Benefit
- Pays up to a maximum of $400 per week for up to 104 weeks.
- Payable if you are unable to perform your own occupation due to a covered occupational accident and are not otherwise employed.
- Payments begin after a 7-day waiting period and cannot exceed 70% of average weekly income.
Continuous Total Disability Benefit
- Begins after temporary benefits cease, provided you apply for and receive a Social Security Disability Award for the covered injury.
- Payable up to age 70 providing you are totally disabled.
- Payments equal temporary benefit minus primary Social Security disability payment.
- Maximum payout of $200,000.
- Up to $200,000 payable for loss of life.
- Up to $200,000 payable for loss of two limbs or sight in both eyes, or loss of one limb and sight in one eye or quadriplegia.
- Up to $150,000 payable for paraplegia.
- Up to $100,000 payable for loss of one eye, one limb or hemiplegia.
- Up to $50,000 for loss of thumb and index finger of the same hand or uniplegia.
- NO DEDUCTIBLE - NO COINSURANCE!
- Pays up to $5,000 for covered medical expenses incurred within two years of a covered non-occupational accident.
- Pays up to $1,000 per injury for accidental dental expenses.
- Up to $15,000 payable for loss of life.
- Up to $15,000 payable for loss of two limbs or sight in both eyes, or loss of one limb and sight in one eye or quadriplegia.
- Up to $11,250 payable for paraplegia.
- Up to $7,500 payable for loss of one eye, one limb or hemiplegia.
- Up to $3,750 for loss of thumb and index finger of the same hand or uniplegia.
Important Notice: The coverages described above do not provide coverage for sickness. This is not Workers’ Compensation Insurance.
Important Facts About This Plan
You pay just $130.50/month...for up to $500,000 of occupational accident insurance, with benefits for medical and dental expenses, disability income and accidental death and dismemberment PLUS non-occupational accident benefits.
You are eligible if you are a current, dues paid member of Owner-Operator Independent Drivers Association, you are 18 or over, and under dispatch as a truck driver and are not required by law to carry Workers’ Compensation.
Your coverage will begin at 12:01 am the date after the following: your enrollment form is taken by phone; the postmark on your envelope if your enrollment form is mailed to our office; or the fax date if your enrollment form is faxed to our office providing your enrollment form is complete and required premium and dues, if necessary, are received. You must be actively at work on your effective date.
Coverage will stay in effect as long as you are an OOIDA member, provided that you continue to pay premiums when due, remain actively at work, and maintain your contract with the carrier named on the enrollment form (or replacement thereof) and the group policy remains in force.
Non-Occupational Death benefits are payable in a single lump sum payment of $15,000. The Occupational Death benefit is payable in a lump sum of $50,000 plus installments of $2,000 per month for up to 75 months for your eligible survivors.
You will be given an ID card with your Insurance Certificate that provides you with immediate access to health care in case of an injury on the road. By calling a toll-free number listed on the card, you will be able to report your claim and receive information on participating network physicians or hospitals.
If an insured becomes totally disabled, premiums will be waived for as long as that total disability lasts provided coverage remains in effect.
This plan is an accident only plan. Benefits are payable, as shown, for both occupational and non-occupational accidents. The total maximum benefit payable under this plan cannot exceed $500,000 per person and/or $1,000,000 per accident.
Travel Assistance provides 24 hour, multilingual travel emergency services for you (and your dependents traveling with you) should you become sick or injured. This 24/7 support network manages medical, legal, informational, personal and security services to ensure that you have access to the best possible care anywhere in the world.
From first call to crisis resolution, this service provides to you (and your eligible dependents), a personal specialist who will provide one-on-one counseling for all aspects of identity theft. You will have proactive protection of your identity, and the assistance you need to regain full restoration of your identity after falling victim to identity theft.
Complete the enclosed enrollment form and mail it along with your payment for the first month’s premium of $130.50 and membership dues, if necessary, to: Owner-Operator Services, Inc., Post Office Box 1000, Grain Valley, Missouri 64029 or for more information call: 1-800-715-9369.
This Policy does not cover any losses caused in whole or in part by, or resulting in whole or in part from, the following:
- suicide, attempted suicide; intentionally self-inflicted Injury or any attempt at intentionally self-inflicted Injury or any Injury resulting from a provoked attack;
- illness or disease; medical or surgical treatment of illness or disease; or complications following the surgical treatment of illness or disease; or Occupational Disease, unless specifically provided by this Policy;
- Hernia of any kind ,Cumulative Trauma and/or Repetitive Conditions, unless as shown in the Schedule;
- Hemorrhoids of any kind;
- performing, learning to perform or instructing others to perform as a crew member of any vessel while covered under the Jones Act or the United States Longshore and Harbor Workers' Act, or similar coverage;
- war, or any act of war, whether declared or undeclared; or involvement in any type of active military service;
- any injury for which the Insured Person is entitled to benefits pursuant to any Workers' Compensation Law or other similar legislation; or any loss insured by employers' liability insurance;
- the Insured Person being intoxicated, or alcoholism, drug addiction or the use of any drug or narcotic except as prescribed by a Physician operating within his or her scope of authority;
- the deliberate ingestion of a poison, fume, noxious chemical substance; the use of a prescription drug unless taken as prescribed by a Physician or a non-prescription drug, unless taken in accordance with its directions. This exclusion shall not apply to the ingestion of alcohol;
- participation in the commission or attempted commission of a crime;
- travel or flight in or on any vehicle used for aerial navigation, while riding as a passenger in any aircraft not licensed for the transportation of passengers; performing, learning to perform or instructing others to perform as a pilot or crew member of any aircraft; or riding in an aircraft owned, leased or operated by the Policyholder, its designee or the Insured Person;
- participation in any of the following activities: skydiving, hang gliding, parachuting, parasailing, automobile racing or stunts, bungee-jumping, scuba diving, heli-skiing, motorcycle racing or stunts, endurance tests, fire fighting, racing, acrobatic or stunt flying, extreme sport stunts, hunting, flight on a rocket-propelled or rocket launched aircraft or any other extra-hazardous activity;
- the use or release of explosives (however delivered), nuclear energy, radiation, chemicals, biological agents or diseases, or an organism or agent which disrupts the environmental or ecological balance of a geographic area, which results directly or indirectly from the intentional or unlawful act of a person or persons, including any resulting sickness or disease;
- a cardiovascular event or stroke caused by exertion prior to or at the same time as an Accident.
- Repair or replacement of existing artificial limbs, artificial eyes or other prosthetic appliances or repair of existing Durable Medical Equipment unless for the purpose of modifying the item because Injury has caused further impairment in the underlying bodily condition;
- dentures, bridges, dental implants, or treatment not related to the Injury; cosmetic, plastic or restorative surgery unless Medically Necessary for the treatment of an Injury;
- eye glasses or contact lenses; hearing aids or hearing examinations;
- that portion of rental expense for Durable Medical Equipment that exceeds the usual purchase cost for similar equipment in the locality where the expense is incurred;
- Custodial Services; Personal Comfort or Convenience Items; services of a Federal, Veterans, State or Municipal Hospital for which an Insured Person is not liable for payment;
- services or treatment which is covered by Medicare, or for which an Insured Person is not legally obligated to pay;
- that portion of the fee for services or treatment which is more than the Usual and Customary Charge;
- services or treatment which are provided for in a settlement or court judgment; or
- those which are covered under any other insurance of any kind, except those expenses covered under any medical plan sponsored by OOIDA. Those expenses to be coordinated with expenses paid under this Policy with this Occupational Accident Policy as primary coverage;
- an Extended Care Facility stay that does not follow a Hospital confinement of five (5) days or more;
- any mileage, translation, or lodging charges related to the Covered Injury unless authorized by the Company.
Underwritten by:
OneBeacon America Insurance Company
The OneBeacon Insurance Group has an A.M. Best financial strength rating of A, and is one of the oldest property and casualty insurers in the United States with roots tracing back to 1831.
This is a brief, but accurate, description of the coverage. It is only a summary and not the contract. Full details of your rights and obligations are in the Group Master Policy Number 216-000-004. For more information, contact Owner-Operator Services, Inc. at 1-800-715-9369. |
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Accident Coverage Plans
MED 2 Rev 02/09
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