Accident
Jim Ellis offers an accident plan through Voya Financial to protect you from unexpected non-occupational accidents, as it can be difficult to financially plan for the unexpected. This plan provides a benefit payable according to a schedule, and the funds may be used for any purposes, including helping to pay for medical out-of-pocket costs like deductibles and coinsurance. The expenses must result from a non-occupational / non-work related accidental injury.
This plan reimburses you for your medical expenses according to the schedule and the benefit is paid directly to you. Coverage options are available for you, your spouse, and your dependent child(ren). It also includes a benefit for death, loss of limbs, hospital visits, and transportation by ambulance – as a result of a covered accident. Reference the plan summary below for more details.
| Injury | Benefit |
|---|---|
|
Hospital Care
|
|
| Surgery - Open abdominal, thoracic | $1,000 |
| Blood | $500 |
| Admission | $1,125 |
| Confinement | $350 / day up to 365 days |
| Transportation | $650 / trip up to 3 per accident |
| Lodging | $150 / day up to 30 days |
|
Accident Care
|
|
| Initial doctor visit | $75 |
| Urgent care | $200 |
| Follow-up doctor treatment | $75 |
| Medical equipment | $100 |
| Speech & physical therapy | $40 up to 6 per accident |
| X-Ray | $40 |
|
Common Injuries
|
|
| Burns: 2nd and 3rd degree | $1,125 to $12,500 |
| Emergency dental work | $75 to $300 |
| Eye injury | $80 to $275 |
| Torn knee cartilage | $175 to $650 |
| Lacerations | $25 to $400 |
| Tendon, ligament, rotator cuff | $350 to $1,000 |
| Concussion | $175 |
| Paralysis | $13,500 to $20,000 |
|
Injuries - Dislocations
|
Non-surgical | Surgical |
| Hip joint | $3,200 | $6,400 |
| Knee | $2,000 | $4,000 |
| Ankle or foot bones (other than toes) | $1,200 | $2,400 |
| Shoulder | $1,500 | $3,000 |
| Elbow, wrist | $900 | $1,800 |
| Finger / Toe | $250 | $500 |
| Hand bones (other than fingers), lower jaw, collarbone | $900 | $1,800 |
| Partial dislocations | 25% of the non-surgical benefit |
|
Injuries - Fractures
|
Non-surgical | Surgical |
| Hip | $2,500 | $5,000 |
| Leg | $1,800 | $3,600 |
| Ankle, hand, wrist | $1,500 | $3,000 |
| Collarbone | $1,200 | $2,400 |
| Rib(s) | $350 | $700 |
| Shoulder | $1,500 | $3,000 |
Important Notes
- Team members are eligible regardless of age
- Spouses age 70 and older are not eligible to elect coverage
- Coverage for eligible child dependent(s) is up to age 26
Sports Accident Coverage
The Voya Accident plan pays an additional 25% of the Hospital Care, Accident Care, and Common Injuries benefits to a maximum of $1,000 if the covered accident is as a result of an organized sporting activity.
How to File a Claim
• Go to voya.com/claims.
• Select “Get Started” and then click “Let’s Get Started.”
• Click the button beside “Policyholder,” and then select who the claim is for.
• Click “Continue” and enter the required information.
• Your Group Name and Number are: Jim Ellis Automotive Group | 70271-4
Exclusions
All sicknesses including pregnancy, work-related injuries, services not medically necessary, being intoxicated in accordance with state laws, alcoholism, voluntary inhalation of gas/fumes/taking of poison, driving in any race or speed test or while testing an automobile or vehicle on any racetracks or speedway, injury while skydiving, hang gliding, parachuting, scuba diving, rodeo, or aviation except flight in a scheduled passenger aircraft, being under the influence of a narcotic/drug, intentionally self-inflicted injury, hernia, carpel tunnel syndrome, or any complication therefrom, bacterial infections.
Employment Termination of Coverage
Your Voya Accident plan will terminate on the last day of the month in which your employment termination occurs. This means that your coverage will conclude at the end of that specific month.
