Washington County is continuing to offer voluntary benefits options by offering Accident, Critical Illness, and Hospital Indemnity! For more information, see below and visit www.mytomorrowbenefits.com/WashingtonCounty.
Voluntary Accident Coverage
Group accident coverage is designed to help covered employees pay for the out-of-pocket expenses and extra bills that can follow an accidental injury, whether minor or catastrophic. If you are involved in an accident the benefit will pay a certain dollar amount based on the injuries your or your covered family members sustain.
| SCHEDULE OF BENEFITS | BENEFIT AMOUNT | SPECIFIED INJURY & SURGERY BENEFIT | BENEFIT AMOUNT |
|---|---|---|---|
| AMBULANCE - AIR | $2,000 | ABDOMINAL/THORACIC SURGERY | $3,000 |
| AMBULANCE - GROUND | $500 | ARTHROSCOPIC SURGERY | $500 |
| BLOOD/PLASMA/PLATELETS | $375 | BURN – 2ND DEGREE | $100-$1,500 |
| CHIROPRACTIC CARE (up to 10 visits per accident) | $75 | BURN – 3RD DEGREE | $1,300-$15,000 |
| DAILY HOSPITAL CONFINEMENT (up to 365 days per lifetime) | $400 | CONCUSSION (up to 3 per year) | $250 |
| DAILY ICU CONFINMENT (up to 30 days per accident) | $600 | CRANIAL | $1,750 |
| EMERGENCY ROOM | $200 | EYE INJURY – SURGERY | $750 |
| FAMILY CARE (ADULT AND CHILD) | $300 | HERNIA REPAIR | $200 |
| HOSPITAL ADMISSION | $1,500 | JOINT REPLACEMENT | $4,000 |
| INITIAL PHYSICIAN OFFICE VISIT | $125 | KNEE CARTILAGE – WITH REPAIR | $1,125 |
| FOLLOW UP VISIT (up to 6 treatments per accident) | $125 | LACERATION – 2” TO 6” | $750 |
| MEDICAL APPLIANCE | $200 | LACERATION – 6” OR GREATER | $1,500 |
| PHYSICAL THERAPY (up to 10 visits per accident) | $75 | RUPTURED DISC | $1,125 |
| REHABILITATION FACILITY (up to 180 days per lifetime) | $300 | TENDON/LIGAMENT/CUFF – SINGLE | $1,125 |
| LODGING (up to 30 nights per lifetime) | $150 |
For a complete list of covered injuries, please see the plan document.
Voluntary Critical Illness Coverage
Critical Illness insurance is a way to help offset the financial effects of a catastrophic illness by paying a lump sum benefit when employees or their family members are diagnosed with a covered illness. Note, children are automatically included in the employee’s coverage.
Eligible employees can elect either $10,000, $15,000, or $20,000 in coverage and can elect 50% of the employee amount for an eligible spouse. Coverage for dependent children is available at 50% of the elected employee amount.
Below is a list of some of the covered conditions under the voluntary critical illness plan and the payout percentage. Refer to the schedule of benefits for a complete list.
Critical Illnesses
- Heart Attack (100%)
- Cancer (100%)
- Cancer – Non-invasive/in-situ (25%)
- Major Stroke (100%)
- Major organ failure (100%)
- Major coronary artery disease (100%)
Quality of Life
- Permanent paralysis (100%)
- Loss of sight, hearing or speech (100%)
- Multiple sclerosis (100%)
- Amyotrophic lateral sclerosis (ALS) (100%)
- Parkinson’s disease (100%)
- Advanced dementia, including Alzheimer’s (100%)
- Infectious disease (25%)
Cancer
- Benign brain or spinal cord tumor (50%)
- Skin Cancer ($250 one time)
Children’s Critical Illnesses
- Cerebral palsy (100%)
- Congenital birth defects (100%)
- Genetic disorder (100%)
For a complete list of covered injuries, please see the plan document.
Voluntary Hospital Indemnity Coverage
Hospital Indemnity Insurance is designed to help provide financial protection for you by issuing you a lump sum payment due to a hospitalization. You can use the benefit paid to you to meet the out-of-pocket expenses and extra bills that can occur.
For a complete list of covered injuries, please see the plan document.
| SCHEDULE OF BENEFITS | BENEFIT AMOUNT |
|---|---|
| FIRST DAY HOSPITAL CONFINEMENT (once per year) | $1,000 |
| DAILY HOSPITAL CONFINEMENT | $100 |
| DAILY ICU CONFINEMENT (up to 10 days per year) | $200 |