Plan Options: Voluntary Accident Insurance
Gold Cross offers this additional voluntary benefit through Standard Insurance Company to help you navigate life’s challenges. The Standard’s goal is to help you and your family cope with and recover from the financial stress of a serious accident or illness. This plan is not major medical insurance; it is insurance for daily living expenses and pays cash in a lump sum directly to you, so you can decide how to use the funds. You can keep this coverage if you leave your job, and there is no change in benefits or premiums.

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This plan pays toward injury related ER visits, hospitalizations, follow up visits, physical therapy, and coverage for off-the-job accidents. (Not a complete list)

• Concussion: up to $150
• Chiropractic: $50 up to 2 days
• Knee cartilage repair: up to $750
• Hospital admission: up to $1,000
• Fractures: up to $8,000 (depending on non-surgical/surgical)
• Accidental death: $50,000 (employee), $25,000 (spouse), $12,500 (child)
• Pays 25% more on youth organized sports accidents and injuries.
• No medical questions required and no policy termination age for employees or spouses.
• $50 annual Health Maintenance Screening Benefit when completing one of the approved tests including:
  • Biopsies for cancer
  • Breast ultrasound
  • Colonoscopy
  • Mammography
  • Stress test on a bicycle or treadmill