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Business Activities Application
Business Activities - Group Accident Medical
Getting the job done right is rewarding and can put a smile on anyone's face. But sometimes accidents happen. That's why we offer GrouProtectorSM group accident medical insurance - to give you peace of mind and help you keep the focus on the business at hand.
Our policy provides death and specific loss benefits to all of your employees.
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| 100% of the following types of staff are insured: |
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| - | Administrative | - | Local delivery |
| - | Church | - | Sales |
| - | Clerical | - | School |
| - | Custodial | - | Supervisory |
| - | Food service | | |
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| Staff members must work 30 or more hours per week and six months or more per year to be eligible for coverage. |
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| Business and business travel activities are covered for employees of the insured business during any of these conditions: |
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| - | They are on the premises of the insured business during the hours | - | They are commuting directly to and from work |
| | and on the days required to be there (includes voluntary overtime) | - | They are off premises on a trip required by the insured business |
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| Benefit Amounts | | |
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| - | Accident death benefit from $25,000 up to $100,000 | | |
| - | Specific loss benefit from $25,000 up to $100,000 | | |
| - | Combined policy maximum of $500,000 for any one accident | | |
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Specific Loss Benefit | | |
If, as a result of injury, an insured suffers a specific loss within one year from the date of the accident causing the injury, we will pay: |
| | Specific Loss | % of Face Amount | |
| Loss of Life | 100% | |
| | Each Arm | 75% | |
| | Each Leg | 75% | |
| | Each Hand | 50% | |
| | Each Foot | 50% | |
| | Sight of Each Eye | 50% | |
| | Speech | 50% | |
| | Hearing of Each Ear | 25% | |
| | Thumb and Index Finger of Same Hand | 25% | |
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| The total payment for all of the specific losses of an insured because of any one accident will not be more than the face amount. No specific loss benefit will be paid if the death benefit applies. The loss of the thumb and index finger of the same hand benefit will not be paid if the loss of the hand or arm benefit applies. The loss of the hand or foot benefit will not be paid if the loss of the arm or leg benefit applies. |