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Riders (Available at an additional cost.)

Total Disability-Sickness Rider and Total Disability-Sickness Rider – Non-Occupational
Pays a monthly benefit of up to $3,000* for total disability due to sickness (including maternity).

Emergency Accident Rider
Pays actual expenses incurred for emergency care of a covered injury up to the maximum rider benefit. Issue amounts available up to $200.

Accidental Death, Dismemberment
and Paralysis Benefit Rider
Pays a death benefit if a covered injury results in death (within 90 days of the covered injury) or if a covered injury results in irrevocable loss of sight or total loss of use or severance of hands or feet. Maximum issue of up to $50,000 per employee, $25,000 for spouse and $5,000 per child.

Injury Hospital Indemnity Rider
Provides a daily benefit for each day an insured person is hospitalized due to a covered injury. Maximum issue of up to $4,500 per month.

Hospital Indemnity Rider
Provides a daily benefit for each day an insured person is hospitalized due to a covered injury or sickness. Maximum issue of up to $4,500 per month.

NOTE: Only ONE (not both) of the above two indented riders is available with this plan.

Outpatient Sickness Rider
Pays the actual expenses incurred up to the maximum benefit amount for outpatient treatment received in a physician’s office or in an ambulatory surgical center due to sickness. Up to two times the maximum benefit amount if the outpatient treatment was received in the outpatient department or emergency room of a hospital. Maximum issue of up to $100 per occurrence.

Intensive Care Unit Rider
Provides a daily benefit if an insured person is confined to a hospital’s intensive care unit, up to a maximum of 20 days per period of confinement. Maximum issue of five times the base policy (not to exceed $1,500 per day).

Private Duty Nurse Rider
Provides a daily benefit for each day an insured person requires the services of a private duty nurse at least 8 hours a day while confined in a hospital or to the primary residence due to a covered injury or sickness, up to a maximum of 30 days per period of confinement. Maximum issue of $100 per day.

Surgical and Anesthesia Benefits Rider
Provides a benefit if an insured person requires surgery and anesthesia due to a covered injury or sickness. Maximum issue of $5,000.

NOTE: The Surgical and Anesthesia Benefits Rider can NOT be purchased in conjunction with  the Surgical, Anesthesia and ADDITIONAL Benefits Rider.

Removal of Integration of Benefits Rider
Eliminates coordination of benefits with Worker’s Compensation and other Employer Liability Benefits.

Surgical, Anesthesia and Additional Benefits Rider Provides a benefit if an insured person requires surgery and anesthesia due to a covered injury or sickness, mammography screening, pap smear, and PSA. Maximum issue of $5,000.