When Grace broke her ankle, she was devastated. She couldn't work for a month and had no idea how she would make ends meet.
Although she had an accident plan through her job, it was so affordable that she had completely forgotten about it! Panic set in as she realized she had no income for the next month.
Desperate, she called her friends in tears.
"I was barely scraping by before this happened. Now, I can't pay my rent… my car might get repossessed… Can you lend me some money? Or at least help me get some cat food for my kitty?"
One friend responded bluntly, "Grace, this is on you. You should have gotten accident insurance!"
That's when it hit her—she did have accident coverage! She quickly filed a claim, and just when she was at her lowest point… she received a $4,000 payout!
The ACCIDENT FIXED BENEFIT PLAN WILL PAY BASED ON YOUR INJURY AND THE TREATMENT YOU RECEIVE
And the
PLAN ENHANCER and TRIOMED PLAN WILL PAY BASED ON THE ACTUAL CHARGES FOR YOUR TREATMENT. YOU ALSO HAVE THE OPTION OF ADDING COVERAGE FOR CRITICAL ILLNESSES SUCH AS CANCER HEART ATTACK AND STROKE
All the plans can include coverage for on the job accidents.
AND THEY ALL WILL PAY IF YOU ARE INJURED AS A VICTIM OF CRIME!
The fixed-benefit plan pays amounts based on your injury and treatment
Suppose you fall down while shoveling snow…
Or a covered family member is hurt playing amateur sports
Or you are a victim of a crime…
If you need an ambulance ride to the hospital you get $200 ($3,000 for air ambulance!)
For emergency room treatment you get $250.
For ancillary hospital charges $150
And this is for a less serious accident that doesnt even cause you to miss work!
BUT suppose they tell you "BAD NEWS! You have a fracture!"
In this example you will get paid additionally up from $500 to $2500 for a fracture! (The maximum for a fracture of the hip neck or skull; $1500 for fracture of a thigh and smaller amounts for less serious fractures)
The plan can pay for concussions and dislocations
You will get $750 for every day in the hospital
$150 for rehabilitation services and many other benefits up to $15,000 per covered accident!
And for loss of life or limb the plan will pay:
$25,000 for loss of one hand or foot or eye; $50,000 for loss of both feet hands or eyes
AND $50,000 FOR ACCIDENTAL LOSS OF LIFE!
(This plan will stay in effect up to the age of 70. We offer a similar plan with another company that will cover people to the age of 84. Ask us for info!)
Check out the details of coverages and exclusions at the end of this section
YOU MIGHT ALSO CONSIDER THE ALLSTATE'S TRIOMED ACCIDENT COVERAGE OR ACCIDENT REPLACEMENT PLAN
MANY PEOPLE PREFER ALLSTATE HEALTH SOLUTIONS "PLAN ENHANCER' OR TRIOMED" COVERAGES
Either of these plans will simply pay you for bills incurred due to accidents up to the policy limits
You can elect coverage with a limit of $2,500 $5,000 or $10,000
THIS WILL BE MONEY IN ADDITION TO YOUR HOSPITAL INSURANCE THAT YOU CAN USE TO PAY FOR
DEDUCTIBLES AND COINSURANCE
LOSS OF WORK TIME
WHATEVER YOU NEED, AND IF YOU ARE HURT IN A SERIOUS ACCIDENT THERE WILL DEFINITELY BE PLENTY THAT YOU NEED!
(Like the ACCIDENT FIXED- BENEFIT PLAN it can cover you on the job OR if you are a victim of crime)
HERE'S HOW IT WORKS:
You can choose coverage of up to $10,000….
But let's say that you have the $5,000 limit in your plan and you or a covered family member fall and end up with a broken hand..
Suppose your medical insurance has a $2,000 deductible and your medical costs are $4.500.
The plan will pay $4,500 (minus a deductible of $250 in the first year of your coverage that drops to $150 in the second year and then ZERO thereafter) After you pay whatever deductible your medical insurance has you will be left with $2,250 for whatever you need! Loss of work time or whatever!
Medical charges $4,500
Your Allstate plan pays
(minus $250 first year deductible $4,250
Your health insurance deductible $2,000
CASH BENEFIT FOR YOUR PERSONAL NEEDS $2,250!!!
PLUS
THESE PLANS ALSO OFFER RIDERS that WILL PAY UP TO $30,000 IF YOU ARE DIAGNOSED WITH A CRITICAL ILLNESS,
The illnesses include CANCER, HEART ATTACK, STROKE ,MAJOR ORGAN TRANSPLANT,
END STAGE KIDNEY FAILURE, ADVANCED ALZHEIMER'S ,COMA, ALS (LOU GEHRIG'S DISEASE), PARKINSON'S OR SEVERE BURNS (Amount payable will be 50% to a covered spouse and 25% for a covered child)
PLEASE LOOK OVER OUR FULLER EXPLANATION OF LIMITATIONS AND EXCLUSIONS
An experienced insurance counselor, licensed by the state is waiting to assist you.
CALL 708.866.5057
Would you prefer to schedule your call? Maybe to have your spouse or someone else join the call?