Accident Insurance Overview

Back for this plan year, Dow Aero (“Company”) is offering an accident insurance plan to provide supplemental health coverage for eligible expenses incurred by employees and their qualifying family members. The plan does not require a medical election, but understand this offering does not replace traditional medical insurance.

Premiums paid by employees for the plan are post-taxed deductions.

Coverage and Premiums

  • Fractures (Surgical) Up to $6,000

    Fractures (Non-surgical) Up to $3,000

    Dislocations (Surgical) Up to $6,000

    Dislocations (Non-surgical) Up to $3,000

    Burns
    Up to $15,000

    Lacerations
    Up to $700

  • Diagnostic Exam
    Including angiogram, arteriogram, CAT, CT, EEG, EKG, or MRI per plan year
    Up to $300

    Emergency Dental
    Up to $200

    Emergency Room
    Per covered accident
    $200

    Followup Treatment
    Up to six (6) times per covered accident
    $150

    Medical Devices
    $300

    Prosthesis
    $1,250; Up to 2 per accident

    Hospital Admission $1,500

    Hospital Daily Confinement (Up to 365 days per accident) $300/day

    Hospital ICU Confinement (Up to 15 days per accident) $600/day

  • $50 for covered person per year
    Requires proof of an eligible health screening be submitted to provider

  • Death

    Principal Sum: Employee $15,000, Spouse $7,000, Child(ren) $5,000

    Dismemberment & Paralysis Up to 100% of Principal Sum.

  • $6.43 Employee Only
    $11.37 Employee & Spouse
    $12.15 Employee & Child(ren)
    $17.09 Family

Plan and premiums only valid for 2026.

Member Account

Medical plan subscribers can optionally create and login to a member account that includes online access for:

  • Auditing detailed claims history.

Coverage Termination

Accident insurance coverage ends on the final day of the month following a termination event. Deductions shall not be suspended on an employee’s final qualifying payroll. This plan is not eligible for COBRA temporary continuation of coverage.

Provider Contact Information

Accident | Mutual of Omaha
1.800.228.7104 | Customer Service
mutualofomaha.com | Web

Plan Details

Plan Name - Accident Insurance
Plan Provider - Mutual of Omaha
Policy Number - G000CV8B

Plan Documents

Accident Plan Summary >

* It is highly recommended that you carefully review any appropriate plan documents prior to enrollment.

Disclaimer

Content provided above is maintained by the Company’s Human Resources (“HR”) department, in collaboration with knowledgeable third-parties. The Company takes reasonable efforts in ensuring details about the plan(s) above are accurate. However, the plan document shall govern in the event an inconsistency is discovered between this resource, or any other oral or written description of benefits, and a formal plan document; please notify the Company’s HR department immediately should a potential error be identified.

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