Manhattan Life
Enhanced 24 Hour Accident Expense PlanEvery benefit below is transcribed from ManhattanLife Enhanced 24 Hour Accident Expense Plan brochure EAEP-BR 0622. Benefits, amounts and riders vary by state; the policy issued to you governs.
Choose one unit or two Included
The policy is sold in one or two units and every benefit below doubles with the second unit. Two units is the maximum available.
Medical expense benefit Included
Pays covered expenses for medical treatment due to accidental injury, up to $2,000 on one unit or $4,000 on two. Covered expenses include physician's fees, surgery, X-rays, reduction of fractures and other emergency first-aid expenses.
Expenses must be incurred within 28 days of the accident. A $50 deductible applies for each accidental injury treated in a hospital emergency room.
Accidental death Included
Pays a fixed $25,000 on one unit or $50,000 on two if an insured dies as a result of an accident.
Death must occur within 90 days of the accident.
Air and ground ambulance Included
Pays covered expenses for ground or air ambulance transportation due to an accidental injury, up to $5,000 on one unit or $10,000 on two.
Transport must be within 28 calendar days of the accident.
Daily hospital confinement Included
Pays $150 a day on one unit or $300 a day on two if an insured is hospitalised for an accidental injury, beginning the first day of confinement.
Up to 30 days per hospital confinement resulting from any one accidental injury.
Accidental dismemberment — finger or toe Included
Single loss $500 on one unit or $1,000 on two. Multiple loss $1,000 on one unit or $2,000 on two.
Primary insured only. The dismemberment must occur within 90 days of the accident.
Accidental dismemberment — hand, arm, foot or leg Included
Single loss $5,000 on one unit or $10,000 on two. Multiple loss $10,000 on one unit or $20,000 on two.
Primary insured only. The dismemberment must occur within 90 days of the accident.
Accidental dismemberment — loss of sight Included
One eye: $5,000 on one unit or $10,000 on two. Both eyes: $10,000 on one unit or $20,000 on two.
Primary insured only. The loss must occur within 90 days of the accident.
Maximum dismemberment benefit per accident Included
$10,000 on one unit, $20,000 on two.
It pays on top of other insurance Included
Benefits are paid in addition to any other insurance, on the job or off it, 24 hours a day, anywhere in the world.
Enhanced 24 Hour Accident Expense Plan on its own page, with its own enrollment link.
- Issue ages
- Ages 18 to 74. Individual, individual and spouse, single parent and family coverage are available.
- Underwriting
- Certain occupations and activities are not insurable — they are listed below. Coverage is not guaranteed until the policy is approved and issued.
- Renewability
- Guaranteed renewable to age 80, subject to the company's right to change premiums.
- Policy form
- EAP, EAP-LA, EAP-TX. Form numbers and benefits vary by state.
Required disclosures from Manhattan Life
This is an Accident Insurance Policy.
This is not a complete disclosure of plan qualifications and limitations. The amounts of benefits provided depend on the plan selected. Premiums will vary according to the selection made.
Uninsurable occupations and activities: demolitions; forester, fishing; industries susceptible to accidents that may involve multiple deaths or injuries or those working with hazardous materials; lodges and fraternal organizations members (must have home office approval before taking applications); loggers and logging companies; oil field roughnecks; oil or gas exploration, refining, and production; professional athletes/sports teams; pyrotechnicians; underground mining, explosive, fireworks.