University Human Resource Services
Insurance Personal Accident Insurance
Plan Provisions
- Indiana University's Personal Accident Insurance plan pays benefits in the event of accidental loss of life or severe injuries which result in dismemberment.
- Full-time, appointed employees of Indiana University can purchase coverage for themselves, or for themselves and family members.
- Various additional benefits are available for such situations as violent crime, permanent total disability, death of both employee and spouse in one accident, education or training for surviving children or spouses.
- Eligible employees can purchase coverage of from $30,000 to $500,000.
- If family plan coverage is purchased, each family member's coverage is a percentage of the benefit amount selected.
- Travel Assistance Services are available to plan enrollees.
Eligibility
All full-time appointed employees of Indiana University are eligible for participation in the Personal Accident Insurance plan; an enrolled employee may also insure their legal spouse/registered domestic partner and unmarried dependent children (under age 19, or under age 25 if full-time students).
Plan Contributions
The premiums for coverage under the Personal Accident Insurance plan are paid in full by the employee.
Effective January 1, 2009
| Benefit Amount | Monthly Cost for Employee Only Coverage | Monthly Cost for Employee and Family Coverage* |
$30,000 |
$0.48 |
$ 0.78 |
| $60,000 |
$0.96 |
$ 1.56 |
| $90,000 |
$1.44 |
$ 2.34 |
| $120,000 |
$1.92 |
$ 3.12 |
| $180,000 |
$2.88 |
$ 4.68 |
| $240,000 |
$3.84 |
$ 6.24 |
| $300,000 |
$4.80 |
$ 7.80 |
| $350,000 |
$5.60 |
$ 9.10 |
| $400,000 |
$6.40 |
$10.40 |
| $450,000 |
$7.20 |
$11.70 |
| $500,000 |
$8.00 |
$13.00 |
* For Employee and Family Coverage, benefits for family members will be a percentage of the Benefit Amount selected.
Enrollment Period
- New employees have 30 days from the date of employment to enroll.
- Eligible employees who do not choose to enroll at the time of employment may do so during the annual Open Enrollment Period.
- Changes in plan enrollment may be made in the case of a Qualifying Event*.
- Enrollment continues as long as the employee remains eligible and pays the premium; coverage for dependent children ends when they no longer qualify as dependents.
-
*A Qualifying Event is a significant family or employment change, such as: marriage, divorce, death of a dependent, birth of a child, spouse's termination or commencement of employment, and termination or commencement of leave-without-pay.
Conversion Opportunities
- Before age 70, if this group coverage ends for any reason other than failure to pay premiums, the policy can be converted to an individual policy without medical certification.
- Application for a conversion policy must be made, and the first premium paid within 31 days after the end of group coverage.
Benefits
Travel Assistance Services
Plan enrollees have access to a customer service center 24 hours a day, 365 days a year, from anywhere in the world (when traveling at least 100 miles from home).
Worldwide Assistance
Emergency Travel Assistance is provided by Worldwide Assistance through Indiana Unversity's Personal Accident Insurance.
Pre-Departure Services
These valuable services can help you start your trip the right way. Obtain important, up-to-date information on:
- Immunization Requirement
- Visa & Passport Requirements
- Foreign Exchange Rates
- Embassy/Consular Referral
- Travel/Tourist Advisories
- Temperature & Weather Conditions
- Cultural Information
Medical Evacuation
When an unforeseen medical emergency requires you to be evacuated to a medical facility for treatment, Worldwide Assistance gets you there. When deemed medically necessary by a Worldwide Assistance designated physician, Worldwide Assistance will arrange and pay for your transportation to the nearest adequate medical facility that can properly treat your condition.
Repatriation
In the event that you should pass away while traveling, Worldwide Assistance will arrange for all necessary government authorizations, and pay for the return of your remains to your place of residence for burial or cremation.
Other Insured Benefits
Arrangements for and payment of the safe return home of any dependent children under the age of 16 if you are hospitalized.
- Arrangements for and payment of a traveling companion's return or his or her original destination in the event of delays due to your medical emergency.
- Arrangements for and payment of a visit by a family member or friend if you are traveling alone and are hospitalized for at least 10 days.
Additional Services*
- Medical referrals for local physicians, dentists and medical treatment centers in the event of accident or illness while traveling.
- Prescription assistance to refill a prescription that has been lost, stolen or depleted.
Assistance with Lost or Stolen Items*
Losing your luggage, passport or other important documents can be distressing and can cause unnecessary delays. If any of your belongings are lost or stolen, Worldwide Assistance will assist you in both locating and replacing your luggage, documents and any other personal possessions.
Legal Assistance*
If you need legal assistance while traveling, Worldwide Assistance can arrange help from local attorneys, embassies and consulates.
Translation & Interpretation Services*
When you need communication assistance in a foreign country, Worldwide Assistance will provide telephone translation or local interpreters for all major languages.
Emergency Travel Services*
Emergency CashWhen you need cash while traveling, Worldwide Assistance will advance up to $250 with your satisfactory guarantee of reimbursement.
Emergency Travel Arrangements
In an emergency, Worldwide Assistance will change or make a new airline, hotel, or car rental reservation on your behalf.
Emergency Message Relay
In an emergency, Worldwide Assistance can put you in touch with those at home. You can relay urgent messages to and from friends, relatives and business associates toll-free through Worldwide Assistance's Emergency Message Center.
* These services may involve third party expenses which are the responsibility of the covered member.
Contact
For questions concerning submission of claims, please contact University Human Resource Services at 812-855-2007.
How to reach Worldwide Assistance:
• From the U.S. and Canada, call 1-888-226-4567
• From outside the U.S. and Canada, call collect 0-202-331-7635
