Accident
Ware County Schools offers an accident plan through Lincoln Financial to protect you from unexpected accidents, as it can be difficult to financially plan for the unexpected. This plan provides a benefit payable according to a schedule, and the funds may be used for any purposes, including helping to pay for medical out-of-pocket costs like deductibles and coinsurance.
The plan includes benefits for many kinds of medical treatment – such as hospital admission, office visits, therapy, and x-rays. The accident plan also pays a benefit depending on the specific type of injury, as well as an Accidental Death and Dismemberment benefit. If your child is injured as a result of an organized sporting activity, the plan pays an additional benefit.
| Accident Benefit Summary | Coverage Amount |
|---|---|
| Hospital Care Benefits | |
| Per Admission Benefit | $1,000/Intensive Care: $2,000 |
| Daily Stay Benefit | $200/day up to 365 days |
| Surgery | $200-$1,875 |
| Medical Care Benefits | |
| Initial doctor visit | $125 |
| Emergency Room/Urgent care | $250 |
| Follow-up Physician Treatment | $140 up to 2 visits |
| Ambulance | $425 |
| Physical/Occupational Therapy | $65 up to 6 visits |
| Outpatient Surgery | $450 |
| X-Ray | $225 |
| Injury-Based Benefits | |
| Burns | $100 to $15,000 |
| Concussions | $300 |
| Lacerations | $75 to $1,500 |
| Dislocations | $150 to $3,000 |
| Fractures | $200 to $3,250 |
| Accidental Death & Dismemberment (AD&D) | |
| Employee | $50,000 |
| Spouse | $25,000 |
| Child(ren) | $12,500 |
| Child Sports Injury Benefit | |
| Covers accidents as a result of an organized sporting activity (Child(ren) up to age 18) | Pays an additional 25% benefit |
Mobile App
Download the Lincoln Financial Mobile app today to easily manage your critical illness and accident benefits. Submit and manage claims, access dental ID cards, find a dentist, upload documents, view coverage details using the convenient app. Find more information on how to download the app here.
