WHY IT MATTERS
WHY IT MATTERS
Life can be unpredictable, but your financial future shouldn’t be. Accident insurance offered through your IPSE membership is issued by The Prudential Insurance Company of America, a company that has stood the test of time for more than 140 years.
Apply † for coverage and you can be prepared for unplanned financial risks that come with serious injuries and death.
Disabling Incidents
Every 7 seconds a disabling injury is caused by a motor vehicle crash.
Income Protection
1 in 5 of Americans visit the ER at least once a year.
Are you Prepared?
63% of people don’t have a deep enough fund to cover a $500 emergency
WHAT IT IS
WHAT IT IS
Reliable coverage for the unexpected is now possible with Accident insurance you can take with you from job to job, as long as you remain a member.
Apply today and enjoy exclusive rates only available to IPSE members.
THE DETAILS
FREQUENTLY ASKED QUESTIONS
Plan Details
IPSE members have the option to select the level of coverage that meets their needs and a premium amount that they can afford. Benefit amounts for Members, Spouses/Domestic partners, and Children are the same with no proof of good health.
All active Members, under age 70, and their qualified dependents must be participating in a medical plan to be eligible for accident insurance. Spouse/Domestic partners are qualified through age 80, and children are qualified through age 25.
Member coverage ends when the Member is no longer part of an eligible class, reaches age 80, dies, or stops making contributions. Dependent coverage for qualified dependents ends when any dependent ceases to be a qualified dependent, when the Spouse/DP reaches age 65, or when the Member coverage ends.
The Prudential Insurance Company of America has developed a streamlined, easy-to-understand claims experience. There is no need to undergo treatment or provide proof of any expenses incurred. This can help you get paid faster.
Rates
Accident Insurance pays a benefit for an injury resulting directly from an accident. Our approach strives to be convenient and beneficial, offering monthly and annual coverage amounts that are affordable.
Coverage and Monthly Premium
Member Only $5.96
Member and Spouse $9.20
Member and Dependent Child(ren) $11.13
Family $17.08
Schedule of Benefits
IPSE Accident Insurance pays a benefit amount that you can use for any purpose, including help with some of the co-pays, co-insurance, or other out-of-pocket medical expenses and non-medical expenses. The chart below illustrates the plan highlights and their respective coverage amount.
Type of Loss and Benefit Amount
Broken Tooth
Broken or chipped tooth (with no exposed dentine) $50
Broken tooth (with exposed dentine) $200
Burns
Burn (2nd degree), less than 40 square centimeters of the body surface $500
Burn (2nd degree), at least 40 but less than 100 square centimeters of the body surface $800
Burn (2nd degree), at least 100 but less than 300 square centimeters of the body surface $1,000
Burn (2nd degree), at least 300 square centimeters of the body surface $1,200
Burn (3rd degree), less than 40 square centimeters of the body surface $2,000
Burn (3rd degree), at least 40 but less than 100 square centimeters of the body surface $3,000
Burn (3rd degree), at least 100 but less than 300 square centimeters of the body surface $4,000
Burn (3rd degree), at least 300 square centimeters of the body surface $5,000
Coma $10,000
Concussion
Concussion (with no loss of consciousness) $150
Concussion (with loss of consciousness) $300
Dislocation
Dislocation, lower jaw $600
Dislocation, spine $1,500
Dislocation, collar bone $600
Dislocation, shoulder joint $600
Dislocation, elbow $500
Dislocation, wrist $500
Dislocation, hand except fingers $500
Dislocation, finger $75
Dislocation, hip $2,000
Dislocation, rib $500
Dislocation, knee $600
Dislocation, ankle $600
Dislocation, foot except toes $600
Dislocation, toe $75
Dislocation, partial 35%
Eye Injury $300
Fracture
Fracture, skull (simple non-depressed) $800
Fracture, skull (depressed) $1,500
Fracture, facial bone including nose except upper or lower jaw $600
Fracture, upper jaw $600
Fracture, lower jaw $600
Fracture, spine (vertebral processes) $1,000
Fracture, spine (vertebral body except vertebral processes) $1,250
Fracture, collar bone $600
Fracture, shoulder blade $600
Fracture, breast bone $1,250
Fracture, rib $400
Fracture, pelvis except tailbone $1,250
Fracture, tailbone $300
Fracture, upper arm $500
Fracture, forearm $500
Fracture, wrist $500
Fracture, hand except fingers $500
Fracture, finger $75
Fracture, hip or thigh or both $2,000
Fracture, kneecap $600
Fracture, leg except thigh $1,000
Fracture, ankle $600
Fracture, foot except toes $600
Fracture, toe $75
Fracture, chip $65
Hernia, femoral $150
Hernia, inguinal $150
Herniated disc $500
Lacerations
Lacerations, total is less than 5 centimeters long $100
Lacerations, total is at least 5 but less than 15 centimeters long $300
Lacerations, total is at least 15 centimeters long $600
Paralysis
Paralysis, four limbs $15,000
Paralysis, three limbs $12,000
Paralysis, two limbs $8,000
Paralysis, one limb $4,000
Ruptured Disc $500
Tear
Tear, cartilage $600
Tear, ligament $600
Tear, rotator cuff $600
Tear, tendon $600
Hospitalization
Initial Day of at least 24 Hours $1,000
Hospital Room Stay <24 Hours $125
Hospital Inpatient $200
Transportation $100
Lodging $60
1. Centers for Disease Control and Prevention, National Center for Health Statistics, Oct. 12, 2015.
2. National Safety Council, Injury Facts, 2015 Ed.
3. McGrath, Maggie, “63% of Americans Don’t Have Enough Savings to Cover a $500 Emergency,” 2016.
† Coverage is not guaranteed and subject to proof of good health.
*IPSE-US Group Accident Insurance coverage is not available in; Alaska, Arkansas, Idaho, Louisiana, Maine, Minnesota, Missouri, New Hampshire, North Carolina, Oregon, South Dakota, Utah, Vermont, Washington, West Virginia, and are not included as a member benefit at any membership level.
This coverage is not health insurance coverage (often referred to as “Major Medical Coverage”).
This type of plan is NOT considered “minimum essential coverage” under the Affordable Care Act and therefore does NOT satisfy the individual mandate that you have health insurance coverage. If you do not have other health insurance coverage, you may be subject to a federal tax penalty.
This policy provides ACCIDENT insurance only. It does NOT provide basic hospital, basic medical, or major medical insurance as defined by the New York State Department of Financial Services.
IMPORTANT NOTICE - THIS POLICY DOES NOT PROVIDE COVERAGE FOR SICKNESS.
IPSE-US Group Accident Insurance coverage is a limited benefit policy issued to IPSE-US by The Prudential Insurance Company of America, a Prudential Financial company, Newark, NJ and distributed by iWorker Innovations, LLC, a Delaware limited liability company. iWorker Innovations, LLC is a subsidiary of iW Holdings, LLC. Prudential Workplace Solutions Groups Services, LLC owns a minority non-controlling interest in iWorker Holdings, LLC. The Prudential Insurance Company of America and Prudential Workplace Solutions Group Services, LLC are businesses of Prudential Financial, Inc. Each company is solely responsible for its own financial condition and contractual obligations. Prudential's Accident Insurance is not a substitute for medical coverage that provides benefits for medical treatment, including hospital, surgical, and medical expenses, and it does not provide reimbursement for such expenses. The Booklet-Certificate contains all details, including any policy exclusions, limitations, and restrictions, which may apply. If there is a discrepancy between this document and the Booklet-Certificate/Group Contract issued by The Prudential Insurance Company of America, the Group Contract will govern. Please contact Prudential for more information. Contract provisions may vary by state. Contract Series: 83500.
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