ACCIDENT INSURANCE
Accidents happen
Fortunately, we can help with unexpected expenses DID YOU KNOW?
Guardian Accident Insurance helps offset the costs associated with both minor 1 out of 5 people
and major off-the-job accidents:
receive emergency room
For every covered off-the-job accident, Guardian can pay a benefit treatment annually1
based on the injury you sustain and the various treatments and/or services $17,749
received, regardless of what is covered by medical insurance. is the average out-of-pocket
Pays based on a schedule of benefits, and benefits are not offset by other including the loss of earnings
types of insurance. of the injured and their
spouses2
See next page for a schedule of paid benefits and semi-monthly rates.
62% of bankruptcies
Enhanced Child Organized Sports Benefit*
are the result of medical
Millions of children are active in organized sports. But accidents can happen and causes despite 76% of those
Guardian has you and your children covered. Benefits are increased by 20% if a
covered dependent child (aged 18 years old or younger) is injured while claiming bankruptcy had
participating in an organized sport. medical insurance3
A benefit when you need it 1 www.cdc.gov/nchs/data/nhis/earlyrelease/
emergency_room_use_january-june_2011.pdf;
Consider some of the unexpected costs that may result from an accident such as
travel to treatment centers, child care while recovering, household expenses BusinessWeek,
June 4, 2009
are made to the employee and can be used for any purpose even everyday 3 Duke University Medical Center, 2011
expenses like groceries, rent and mortgage. http://clearhealthcosts.com/tag/duke-
university-medical-center
Enroll today
BENEFITS MEETING
During this enrollment, you and your family are guaranteed coverage: Learn more about your benefits
No health questions ASK YOUR
HR REPRESENTATIVE
Family coverage available
ABOUT THE DATE
Convenient payroll deductions AND TIME!
Portable
*The child must be insured by the plan on date the accident occurred. The child must be 18 years of age or younger.
Group Number
503357
The Guardian Life Insurance Company of America, 7 Hanover Square, New York, NY 10004
GUARDIAN® and the GUARDIAN G® logo are registered service marks of The Guardian Life Insurance Company of America and are used with express permission.
Group Number 503357 is offering Guardian Accident Insurance to its employees.
COVERED EVENTS Advantage Plan Tier Semi-Monthly
Initial Transportation & Treatment Rates
Air / Ground Ambulance (<50 miles away) $1000 / $150 Employee $9.53
Transportation $500 up to 3 times per accident Employee
Accident ER Treatment / Urgent Care or Office and Spouse $14.67
Diagnostic Exam (Major) / X-ray $175 / $75 Employee
Injury Diagnosis $150 / $30 and Child $14.78
Coma / Concussions
Burns (2nd Degree/3rd Degree) $10,000 / $75 Family $19.92
Burn Skin Graft Up to $12,000 based on burn size
Dislocations ACCIDENTAL DEATH AND
Eye Injury 50% of burn benefit DISMEMBERMENT BENEFIT
Fractures (Bone) Schedule up to $4,400
Knee Cartilage Death Benefit
Laceration $300 Employee: $25,000
Tendon/Ligament/Rotator Cuff Schedule up to $5,500 Spouse: $12,500
Hospitalization Child: $5,000
Hospital Admission / ICU Admission $500
Hospital Confinement Schedule up to $400 Catastrophic Loss
ICU Confinement 1-$500 | 2 or more - $1,000 Quadriplegia: 100% of AD&D
Treatments & Family Care Loss of speech and hearing
Appliance1, Blood/Plasma/Platelets, Emergency Dental $1,000 / $2,000 (both ears): 100% of AD&D
Work, Epidural Anesthesia for Pain, Join Replacement, $225/day up to 1 year Loss of cognitive function:
Artificial Limb, Rehabilitation Unit Confinement, $450/day up to 15 days 100% of AD&D
Ruptured Disc Surgical Repair, Surgeries Hemiplegia: 50% of AD&D
Family Care2 Various Scheduled Benefits Paraplegia: 50% of AD&D
Family Lodging $20/day up to 30 days Common Carrier
$125/day, up to 30 days for 200% of AD&D
Follow-Up
Accident Follow-Up Visits Doctor companion hotel stay Common Disaster
Chiropractic Visits 200% of Spouse AD&D benefit
Occupational or Physical Therapy $50/visit up to 6 visits
$25/visit up to 6 visits Dismemberment of
$25/day up to 15 days Hand, Foot, Sight
1 Appliance - Benefit is paid if a wheelchair, leg or back brace, crutches, walker, walking boot that extends above the Single: 50% of AD&D
ankle or brace for the neck is prescribed by a physician as necessary due to an injury sustained as the result of a Multiple: 100% of AD&D
covered accident. 2 Family Care - Benefit is payable for each child attending a Child Care center while the insured is Thumb/Index Finger Same
confined to the hospital, ICU or Alternate Care or Rehabilitative facility due to injuries sustained in a covered accident. Hand, Four Fingers Same
Accident Insurance Policy Form #GP-1-AC-IC-12 et al. Hand, All Toes Same Foot
25% of AD&D
Benefits Claim Example
Fractured toe and torn knee cartilage
COVERED EVENTS Benefit Paid
Ambulance $150
Emergency Room Visit $175
Medical Resonance Imaging (MRI) $150
X-Ray $30
Fractured Toe (open) $220
Knee Cartilage Tear $500
Arthroscopic Surgery $250
Hospital Admission $1,000
Hospital Confinement (2 days) $450
Knee Brace (appliance) $125
Physical Therapy (10 visits) $250
Follow-up visits with doctor (6 visits) $300
TOTAL BENEFIT PAID UNDER POLICY $3,600
Guardian Accident Insurance is underwritten by The Guardian Life Insurance Company of America, New York, NY.
Products are not available in all states. Policy limitations and exclusions apply. Optional riders and/or features may incur
additional costs. Plan documents are the final arbiter of coverage. Accident Insurance Policy Form #GP-1-AC-IC-12 et al.
Group Number
503357
The Guardian Life Insurance Company of America, 7 Hanover Square, New York, NY 10004
GUARDIAN® and the GUARDIAN G® logo are registered service marks of The Guardian Life Insurance Company of America and are used with express permission.
Group Number 503357 is offering Guardian Accident Insurance to its employees.
2014- xxxxx Exp x/16
CANCER INSURANCE
Ease the financial burden DID YOU KNOW?
2/3 of the cost
while healing
of cancer is non-medical1
Fortunately, we can help with unexpected expenses
$1,266
Every year, more and more people are being diagnosed with cancer.1 Treatment
of cancer can lead to unexpected expenses that create an additional financial is the monthly average
out-of-pocket cost for cancer2
cover. Benefits are paid directly to the employee and may be used for any
purpose - such as travel to treatment centers, medical co-pays, deductibles and 5% increase
experimental treatment, as well as everyday expenses like groceries, rent and
ongoing household bills. In cancer costs every year3
See next page for a schedule of paid benefits and semi-monthly rates. 62% of bankruptcies
Enroll today are the result of medical
causes despite 76% of those
During this enrollment, you can elect coverage for you and your family:
claiming bankruptcy had
Convenient payroll deductions medical insurance4
Portable 1 www.cdc.gov/nchs/data/nhis/earlyrelease/
emergency_room_use_january-june_2011.pdf;
Conditional Issue: health question asked at enrollment
BusinessWeek,
Pre-existing Condition Limitation - 3 month look back period, 12 month June 4, 2009
exclusion period 3 Duke University Medical Center, 2011
http://clearhealthcosts.com/tag/duke-
Waiver of Premium if you become disabled due to cancer for 90 days, university-medical-center
premiums will be waived thereinafter so long as you continue to be disabled
BENEFITS MEETING
Benefits Claim Example Learn more about your benefits
Kidney Cancer Diagnosis and Treatment ASK YOUR
HR REPRESENTATIVE
COVERED EVENTS Benefit Paid
ABOUT THE DATE
Cancer Screening Benefit $50 AND TIME!
Cancer Screening Follow Up $50
Cancer Initial Diagnosis $5,000
Second Surgical Opinion $300
Hospital Confinement (3 days) $1,200
Kidney Removal Surgery $2,970
Medical Imaging (2 images) $200
Anesthesia $400
Radiation Therapy $12,000
2 Months of Anti-Nausea Medication (2 visits) $500
Home Health Care (30 visits) $3,000
Transportation for two travelers:120 miles round-trip $720
(12 trips at $0.50/mile)
Attending Doctor (3 days) $75
TOTAL BENEFIT PAID UNDER POLICY $24,285
Group Number
503357
The Guardian Life Insurance Company of America, 7 Hanover Square, New York, NY 10004
GUARDIAN® and the GUARDIAN G® logo are registered service marks of The Guardian Life Insurance Company of America and are used with express permission.
Group Number 503357 is offering Guardian Cancer Insurance to its employees.
COVERED EVENTS Premier Plan Tier Semi-Monthly
Rates
Prevention & Non-Invasive Cancer Related Events Employee
Employee $16.68
$50/insured/year and Spouse
Employee $33.3
Cancer Screening Benefit Includes a $50 cancer screening and Child
$19.26
follow up benefit Family $35.94
Donating Bone Marrow or Stem Cells $1,500
Biopsy Only: $100
Skin Cancer Reconstructive Surgery: $250
Excision of skin cancer: $375
Excision of skin cancer wi/ flap or graft: $600
Confinement and Inpatient Services
Hospital Confinement $400/day for first 30 days; INITIAL DIAGNOSIS
$800/day for 31st day BENEFIT
thereafter per confinement This one-time benefit pays
$5,000 for the first time
$600/day for first 30 days; diagnosis of internal cancer,
other than carcinoma-in-situ,
Intensive Care Unit Confinement $800/day for 31st day while covered under this plan.
thereafter per confinement Subject to a 30 day waiting
period and other limitations
Attending Doctor $25/day while hospital confined and exclusions.
Limit 75 visits
Second Surgical Opinion $300/surgery or treatment
Surgical Benefits Schedule amounts up to $5,500
Anesthesia 25% of surgery benefit
Blood/Plasma/Platelets $200/day up to $10,000 per year
Inpatient Special Nursing $150/day up to 30 days per year
Experimental Treatment $200/day up to $2,400/month
Extended Care Facility/ Skilled Nursing Care $100/day up to 90 days per year
Government or Charity Hospital $400 per day in lieu of other benefits
Bone Marrow/Stem Cell Transplant Bone Marrow: $10,000; Stem Cell: $2,500 ANNUAL
50% benefit 2nd transplant; $1,500 if donor CANCER SCREENING
Prosthetic Devices, Reconstructive Surgery, Various Scheduled Benefits BENEFIT
Specified Skin Cancer
For Employees & Covered
Outpatient Services Family Members
Radiation Therapy or Chemotherapy Schedule amounts up to $12,000/year This plan pays you $5
once per year per covered
Anti-Nausea Medication $50/day up to $250 per month individual tests for internal
cancer. See schedule for list
Immunotherapy $500/month, $2,500 lifetime max of covered procedures.
Medical Imaging $200/image up to 2 per year If you or a covered family
member receive an additional
Physical or Speech Therapy $50/visit up to 4 visits per month, invasive diagnostic procedure
Hormone Therapy $1,000 lifetime max that is recommended by your
doctor due to the results of the
$50/treatment up to 12 per year initial cancer screening, this
plan will pay you an additional
Outpatient or Ambulatory Surgical Center $350/day up to 3 days per procedure $.
Alternative Care $50/visit up to 20 visits
Home Health Care $100/visit up to 30 visits per year
Hospice $100/day up to 100 days/lifetime
Transportation and Lodging $2,000 / $250
Air / Ground Ambulance (>50 miles away) up to 2 trips per confinement
Transportation/Companion Transportation $0.50/mile up to $1,500 per round trip
(>50 miles away) same for companion
Outpatient and Family Member Lodging $100/day up to 90 days per year for
(>50 miles away) insured and family member
Guardian Cancer Insurance is underwritten by The Guardian Life Insurance Company of America, New York, NY. Products
are not available in all states. Policy limitations and exclusions apply. Optional riders and/or features may incur additional
costs. Plan documents are the final arbiter of coverage. Cancer Insurance Policy Form #GP-1-CAN-IC-12 et al.
Group Number
503357
The Guardian Life Insurance Company of America, 7 Hanover Square, New York, NY 10004
GUARDIAN® and the GUARDIAN G® logo are registered service marks of The Guardian Life Insurance Company of America and are used with express permission.
Group Number 503357 is offering Guardian Cancer Insurance to its employees.
2014-0755 (1/14)
EDUCATIONAL ASSISTANCE PROGRAM
You could be eligible to
receive up to $5,000 of
education reimbursements
(per calendar year)
Eligibility Requirements:
• Must have completed one consecutive year
of full-time active employment with the
organization AND be actively employed on the
payout date to be eligible for reimbursement
Eligible Educational Programs:
• Associates, Bachelor’s, Master’s and Doctoral
degree programs;eligible course work
required to complete a degree from an
accredited education institution
• Approved Professional Certification Programs
Important Information:
• Courses taken prior to your hire date ARE NOT
eligible for reimbursement
• Courses for which reimbursement is requested
must have applicability to the employee’s
current and/or future position in the
organization
Programs, courses and certifications must
be taken from an accredited institution or an
approved credentialing organization.
For more information, email
[email protected]
CONTACT INFORMATION
EMAIL: [email protected]
EMAIL: [email protected]
EMAIL: [email protected]
PHONE: 661-272-1225
ADMINISTRATIVE OFFICES:
177 Holston Drive
Lancaster, CA 93535
DIRECTOR OF RISK MANAGEMENT
& EMPLOYEE BENEFITS:
Niclole Pekins
RISK MANAGEMENT &
BENEFITS MANAGER:
Cristina Guadiana