Accident
Salad Collective offers an accident plan through UNUM to protect you from unexpected non-occupational 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 expenses must result from a non-occupational / non-work related accidental injury.
This plan reimburses you for your actual medical expenses and the benefit is paid directly to you. Coverage options are available for you, your spouse, and your dependent child(ren). It also includes a benefit for death, loss of limbs, hospital visits, and transportation by ambulance – as a result of a covered accident. Reference the plan summary below for more details.
Accident Benefits
Important Notes
- Employee are eligible regardless of age
- Coverage for eligible child dependent(s) is up to age 26
Exclusions
Accidents caused by committing or attempting to commit a felony, being engaged in an illegal occupation or activity, injuring oneself intentionally or attempting or committing suicide while sane, active participation in a riot, insurrection or terrorist activity, participating in war or any act of war (whether declared or undeclared), combat or training for combat while serving in the armed forces of any nation or authority,voluntary use of or treatment for voluntary use of any prescription or non-prescription drug, alcohol, poison, fume, or other chemical substance unless taken as prescribed or directed by the insured's physician, being intoxicated and a Covered loss that occurs while insured is legally incarcerated in a penal or correctional institution,elective procedures, cosmetic surgery, or reconstructive surgery unless it is a result of organ donation, trauma, infection, or other diseases; • any Sickness, bodily infirmity, or other abnormal physical condition or Mental or Nervous Disorders, including diagnosis, treatment, or surgery for it; • infection. This exclusion does not apply when the infection is due directly to a cut or wound sustained in a Covered Accident; • experimental or investigational procedures; • operating any motorized vehicle while intoxicated; • operating, learning to operate, serving as a crew member of any aircraft or hot air balloon, including those which are not motor-driven, unless flying as a fare paying passenger; • jumping, parachuting, or falling from any aircraft or hot air balloon, including those which are not motor-driven; • travel or flight in any aircraft or hot air balloon, including those which are not motor-driven, if it is being used for testing or experimental purposes, used by or for any military authority, or used for travel beyond the earth’s atmosphere; • practicing for or participating in any semi-professional or professional competitive athletic contests for which any type of compensation or remuneration is received; • riding or driving an air, land or water vehicle in a race, speed or endurance contest; and • engaging in hang-gliding, bungee jumping, sail gliding, parasailing, parakiting, or BASE jumping
