Accident Insurance issued by The Prudential Insurance Company of America (Prudential) pays you regardless of what your medical plan covers. Your benefits are paid directly to you to spend however you like, including out-of-pocket medical and non-medical costs or everyday living expenses. Below is a summary of the benefits included in the coverage available to you, your spouse/domestic partner and child(ren). For a complete list of benefits, limitations and exclusions, please refer to your Certificate of Coverage.

This is a summary of benefits and does not include all plan provisions, exclusions and limitations. If there is a discrepancy between this document and the group contract issued by The Prudential Insurance Company of America, the terms of the group contract will govern.

  • Accidental Death Benefit

    Basic Accidental Death Benefit-Employee: $50,000
    Basic Accidental Death Benefit Spouse/Domestic Partner: $25,000
    Basic Accidental Death Benefit-Children: $12,500
    Accidental Death - Common Carrier Employees: $150,000
    Accidental Death - Common Carrier Spouse/Domestic Partner: $75,000
    Accidental Death-Common Carrier Children: $37,500
    Accidental Dismemberment Benefit Up to $20,000

  • Type of Loss

    Fracture Benefit: Up to Closed $4,000 / Open $8,000
    Dislocation Benefit: Up to Closed $3,000 / Open $6,000
    Burn Benefit: Up to $10,000
    Skin Graft – Due to Burns: 50% of Burn Benefit
    Skin Graft – Not due to Burns: Up to $2,000
    Eye Injury Benefit: Up to $400
    Laceration Benefit: Up to $600
    Torn Knee Cartilage Benefit: $750
    Torn, Ruptured or Severed Tendon/ Ligament/Rotator Cuff Benefit: Up to $1,000
    Broken Tooth Benefit: Up to $300

  • Additional Injuries Benefit

    Concussion: $150
    Coma: $10,000
    Ruptured Disc with Surgical Repair: $750
    Puncture Wound: $100

  • Hospital Benefits

    Non-ICU Hospital Admission: $1,000
    ICU Hospital Admission: $2,000
    Non-ICU Hospital Confinement: $200
    ICU Confinement: $400
    Inpatient Rehabilitation Benefit: $200
    Transportation Benefit: $400
    Lodging Benefit: $150

  • Optional Benefits and Provisions

    *Wellness Benefit: $50
    Emergency Care Benefit: Up to $200
    X-Ray Benefit: $50

  • Paralysis Benefit

    Four Limbs: $10,000
    Three Limbs: $7,500
    Two Limbs: $5,000
    One Limb: $2,500

Voluntary Accident Insurance

Provider: Prudential

Phone: 844-455-1002

Website: https://mybenefits.prudential.com/

www.prudential.com/bettersafethansorry