Worksite Benefits

You have the option to purchase accident insurance, which helps to protect your finances after an accident. You are paid a lump sum if you have a covered injury and can use the money to help pay out-of-pocket medical costs or everyday expenses.

	Value Plan	Advantage Plan
Ambulance	$100	$200
Burns (2nd Degree/3rd Degree)	9 sq inches to 18 sq inches: $0/$2,000 18 sq inches to 35 sq inches: $1,000/$4,000 Over 35 sq inches: $3,000/$12,000	9 sq inches to 18 sq inches: $0/$2,000 18 sq inches to 35 sq inches: $1,000/$4,000 Over 35 sq inches: $3,000/$12,000
Emergency Room Treatment	$100	$300
Accident Follow-Up Visit	$50 up to 6 treatments	$50 up to 6 treatments
Child Organized Sport	20% increase to child benefits	20% increase to child benefits
Concussions	$150	$300
Major Diagnostic Exam	$250	$500
Eye Injury	$250	$500
Surgery	Schedule up to $1,000	Schedule up to $1,250
Hospital Admission	$1,000	$2,000
Hospital Confinement	$250/day, up to 1 year	$500/day, up to 1 year
Hospital ICU Admission	$2,000	$4,000
Hospital ICU Confinement	$500/day – up to 15 days	$1,000/day – up to 15 days
Initial Physician’s Office/UC Facility Treatment	$50	$100
X-Ray	$20	$30

Monthly Cost	Value Plan	Advantage Plan
Employee	$9.20	$18.10
Employee + Spouse	$14.50	$27.60
Employee + Child(ren)	$14.50	$27.60
Employee + Family	$19.80	$37.10

Downloads

Summary of Benefits

Summary of Benefits-Spanish

You have the option to purchase critical illness insurance, which provides a fixed, lump-sum benefit upon the diagnosis of a serious illness like heart attack, stroke, or cancer. Benefits are paid directly to you and may be used for any reason from deductibles and prescriptions to travel expenses, childcare or other everyday expenses.

	Benefits
Benefit Amounts	Employee: $15,000 Spouse 50% of Employee benefit Child: 50% of Employee benefit

Covered Conditions (lump sum payments)	First Occurrence	Second Occurrence
Cancer
Invasive Cancer	100%	100%
Carcinoma In Situ	30%	0%
Benign Brain Tumor	75%	0%
Skin Cancer	$250 per lifetime	Not included
Vascular
Heart Attack, Heart Failure, Stroke	100%	100%
Arteriosclerosis	30%	0%
Other
Organ Failure & Kidney Failure	100%	100%


Group 2 Covered Conditions	First Occurrence of these additional illnesses: Addison’s Disease 30%, ALS (Lou Gehrig’s Disease) 100%, Alzheimer’s Disease 50%, Coma 100%, Huntington’s Disease 30%, Multiple Sclerosis 30%, Loss of Speech, Sight or Hearing 100%, Parkinson’s Disease 100%, Permanent Paralysis 50% for 1 limb, 100% for 2 limbs, Severe Burns 100%
Group 3 Covered Conditions	100% of Child Benefit for the First Occurrence of Cerebral Palsy, Cleft lip/palate, Club Foot, Cystic Fibrosis, Down’s Syndrome, Muscular Dystrophy, Spina Bifida, Type 1 Diabetes
Hospital Admission Benefit	Provides $150 per day for each day employee is hospitalized for a condition other than the critical illnesses listed above, 10 day per year limit.
Dependent Age Limit	Child birth to 26 years
Pre-Existing Condition Limitation	Policy will not pay for a diagnosis of a listed critical illness that is made before the insured’s Critical Illness effective date with Guardian.

Rates per Month	<30	30-39	40-49	50-59	60-69	70+
Employee
$15,000 in coverage Non-Tobacco	$7.80	$13.80	$25.50	$45.00	$72.90	$95.40
$15,000 in coverage Tobacco	$11.55	$21.60	$45.00	$75.90	$124.95	$165.00
Spouse
$7,500 in coverage Non-Tobacco	$4.80	$7.80	$13.58	$23.33	$37.3	$52.58
$7,500 in coverage Tobacco	$6.68	$11.70	$23.40	$38.78	$63.30	$83.33
Children covered for free with Employee election

Downloads

Summary of Benefits

Summary of Benefits-Spanish

Provided By

Guardian

Provider Website

https://www.guardianlife.com

Customer Service

888.482.7342