Accident & Critical Illness

Accident Insurance

Accident insurance provides financial protection if you or a covered family member experiences an unexpected injury due to an accident. It helps cover out-of-pocket costs that your health insurance may not, such as emergency room visits, hospital stays, diagnostic tests, and follow-up care. Benefits are paid directly to you, so you can use them however you need—whether it’s for medical bills, transportation, or everyday expenses while you recover. It’s an affordable way to add an extra layer of security and peace of mind.

	Benefit
Accidental Death or Dismemberment	Employee: $50,000 Spouse: $25,000 Child: $10,000
Ground / Air Ambulance Transportation	$300 / $1,500
Hospital Admission / ICU Admission	$1,500 / $1,500
Hospital Confinement Benefit	$300 per day, up to 365 days per accident, within 180 days following the accident
ICU Hospital Confinement Benefit	$600 per day, up to 15 days per accident, within 30 days following the accident
Diagnostic Exam (Major)	$300
Doctor Follow-Up Visit	$150 per visit, up to 6 visits
Emergency Room Treatment	$300
Burns (3rdDegree)	$1,400 to $15,000
Burns (2ndDegree)	$250 to $1,500
Fractures (non-surgical)	$300 to $5,000
Dislocations (non-surgical)	$300 to $3,750
Lacerations	$125 to $1,500
Repair of ligaments, tendons, rotator cuff, knee cartilage	$1,000 to $1,200
Severe traumatic brain injury	$12,000

Please see coverage certificate for more Information regarding payable events

Coverage Level	Rates per Pay (52 Pays)
Employee	$3.03
Employee + Spouse	$4.28
Employee + Child(ren)	$5.59
Family	$7.23

www.Lincolnfinancial.com
800-423-2765

Resources

Accident Benefit Summary

Critical Illness Benefit Summary

Critical Illness Health Assessment Benefit Flyer

Lincoln Online Access Flyer

Critical Illness

Critical Illness Insurance provides a financial safety net if you or a covered family member is diagnosed with a serious health condition, such as cancer, heart attack, stroke, or other specified illnesses. This coverage pays a lump-sum benefit directly to you, which you can use however you choose—whether it’s to cover medical bills, replace lost income, or manage everyday expenses during recovery.

Unlike traditional health insurance, critical illness coverage is designed to help ease the financial burden that often comes with a major diagnosis, giving you peace of mind and flexibility when you need it most.

Benefit Amounts
Employee: Available in $5,000 increments up to $30,000 Spouse: Available in $5,000 increments up to maximum $30,000. Not to exceed 100% of employee benefit. Child: 25% of employee benefit

Invasive Cancer (Leukemia, Multiple Myeloma)	100%
Non-Invasive Cancer	25%
Skin Cancer (paid once per lifetime)	$500
Heart Attack	100%
Arterial / Vascular Disease	50%
Stroke (Ischemic or Hemorrhagic)	100%
Major Organ Failure (Kidney, Liver, Pancreas, Lungs)	100%
Advanced Parkinson’s Disease	100%
Advanced Alzheimer’s Disease	100%
Advanced Multiple Sclerosis (MS)	100%
Childhood Illness & Disorders Cerebral Palsy; Cystic Fibrosis; Cleft Lip or Cleft Palate; Down Syndrome; Spina Bifida	100%

Please see coverage certificate for more Information regarding payable events

Employee Premium Table – Weekly Deductions

Age	$5k	$10k	$15k	$20k	$25k	$30k
0-29	$0.43	$0.87	$1.30	$1.73	$2.16	$2.60
30-39	$0.77	$1.54	$2.31	$3.08	$3.85	$4.62
40-49	$1.68	$3.35	$5.03	$6.71	$8.38	$10.06
50-59	$3.34	$6.67	$10.01	$13.34	$16.68	$20.01
60-69	$6.03	$12.06	$18.09	$24.12	$30.16	$36.19
70+	$13.55	$27.10	$40.65	$54.19	$67.74	$81.29

Spouse Premium Table – Weekly Deductions

Age	$5k	$10k	$15k	$20k	$25k	$30k
0-29	$0.35	$0.70	$1.05	$1.39	$1.74	$2.09
30-39	$0.69	$1.37	$2.06	$2.74	$3.43	$4.11
40-49	$1.59	$3.18	$4.77	$6.36	$7.96	$9.55
50-59	$3.25	$6.50	$9.75	$13.00	$16.25	$19.50
60-69	$5.94	$11.89	$17.83	$23.78	$29.72	$35.67
70+	$13.46	$26.92	$40.39	$53.85	$67.31	$80.77