2024 - 2025 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

  • Concussion
    $50

    Eye Injuries
    $125

    Dislocations
    $100 - $2,000

    Fractures
    $175 - $3,000

    Burns
    50% of applicable benefit for skin grafts
    $200 - $1,000

    Lacerations
    $20 - $250

    Gunshot Wound
    $250

    Coma
    $5,000

    Paralysis
    $12,500 - $25,000

  • Prescription Drugs
    $35

    Diagnostic Exam
    Including angiogram, arteriogram, CAT, CT, EEG, EKG, or MRI per plan year
    $100

    X-ray
    Per covered accident
    $50

    Emergency Dental
    $30 - $100

    Emergency Treatment
    Per covered accident
    $100

    Followup Treatment
    Up to six (6) times per covered accident
    $75

    Medical Devices
    $400

    Physical Therapy
    Up to ten (10) times per covered accident
    $25

    Epidural Pain Management
    Up to two (2) times per covered accident
    $100

    Transfusion
    $100

    Prosthesis
    $250 - $500

    Surgery
    $125 - $625

    Hospital
    $50 - $2500

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

  • $375 - $30,000

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

Plan and premiums only valid for 2024-2025.

Member Account

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

  • Auditing detailed claims history.

A mobile app is also available for iOS and Android devices.

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 | Sun Life
1.800.247.6875 | Customer Service
sunlife.com | Web

Plan Details

Plan Name - Accident Insurance
Plan Provider - Sun Life
Policy Number - 943619

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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