Additional Benefits

You have the option to purchase accident insurance, which helps to protect your finances after an accident. You are paid a lump sum if you have a covered injury and can use the money to help pay out-of-pocket medical costs or everyday expenses.

Benefits
*Accidental Death and Dismemberment (AD&D)*
Employee	$25,000
Spouse	$12,500
Child	$6,250
*Injury*
Burn	Up to $5,000
Coma	$15,000
Concussion	$500
Dental Injury	$500
Dislocation	Up to $7,500
Eye injury with surgical repair	$500
Fracture	Up to $10,000
Injuries not specifically listed	$100
Internal injury	$1,500
Knee cartilage injury with surgical repair	$1,500
Ruptured disc with surgical repair	$1,500
Tendon/ligament/rotator cuff injury with surgical repair	$1,500
*Covered Loss*
Loss of life	100% of benefit
Loss of both hands or both feet or one hand and foot	100% of benefit
Quadriplegia	100% of benefit
Loss of speech and hearing in both ears or loss of sight in both eyes	100% of benefit
Loss of one hand or foot; paraplegia; hemiplegia; loss of use of one hand and foot or both hands or feet	50% of benefit
Loss of speech, hearing in both ears, or sight in one eye	50% of benefit
Loss of thumb and index finger on the same hand; Loss of use of one arm, leg, hand or foot	25% of benefit
*Wellness Benefit*
Employee	$50
Spouse	$50
Children	$50

Monthly Cost
Employee	$9.73
Employee + Spouse	$15.96
Employee + Child(ren)	$17.96
Family	$28.21

Downloads

Summary of Benefits

You have the option to purchase critical illness insurance, which provides a fixed, lump-sum benefit upon the diagnosis of a serious illness like heart attack, stroke, or cancer. Benefits are paid directly to you and may be used for any reason from deductibles and prescriptions to travel expenses, childcare or other everyday expenses.

Covered Illnesses	Benefits First/Second Occurance
Alzheimer's disease	100% / 0%
Amyotrophic lateral scherosis	100% / 0%
Benign brain tumor	100% / 0%
Carcinoma in situ	25% / 25%
Coma	100% / 0%
Coronary artery disease	25% / 25%
Heart attack	100% / 100%
Invasive cancer	100% / 100%
Loss of hearing	100% / 0%
Loss of sight	100% / 0%
Loss of speech	100% / 0%
Major organ failure	100% / 100%
Multiple sclerosis	100% / 0%
Occupational infectious disease	100% / 0%
Paralysis	100% / 0%
Parkinson's disease	100% / 0%
Skin cancer	$250 / $0
Stroke	100% / 100%
Infectious disease benefit	25% / 25%
*Childhood Conditions*
Cerebral palsy	100% / 0%
Cleft lip / palate	100% / 0%
Cystic fibrosis	100% / 0%
Down syndrome	100% / 0%
Muscular dystrophy	100% / 0%
Spina bifida	100% / 0%
*Scheduled Benefit*
Employee amount	$5,000 to $50,000 in $5,000 increments
Guarantee issue	$20,000
Spouse amount	$2,500 to $25,000 in $2,500 increments not to exceed 50% of employee's benefit
Guarantee issue	$10,000
Children are automatically covered for 25% of an employee’s benefit

Monthly Cost Employee & Spouse
Under 24	$0.200
25-29	$0.264
30-34	$0.444
35-39	$0.552
40-44	$0.793
45-49	$1.159
50-54	$1.810
55-59	$2.604
60-64	$3.869
65-69	$5.568
70+	$8.022

Downloads

Summary of Benefits

Provided By

Principal

Provider Website

https://www.principal.com

Resources

Frequently Asked Questions