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Pallay Insurance Agency
P.O. Box 1178
Frankfort, IL 60423
Phone:

708.478.7499


Truckers Occupational Accident Insurance

 PALLAY INSURANCE AGENCY  

"e-Commerce with the personal touch"


OCCUPATIONAL ACCIDENT INSURANCE

SUMMARY OF BENEFITS*


OCCUPATIONAL ACCIDENT BENEFITS

  Plan 1 Plan 2 Plan 3

ACCIDENTAL DEATH

Principal Sum   $50,000 $ 25,000 $25,000
Survivor’s Benefit (1% mo.) / up to ... $200,000 $125,000 $125,000
Accident Commencement Period 365 days 365 days 365 days

         

ACCIDENTAL DISMEMBERMENT

Principal Sum (1% mo.) / up to ... $250,000 $150,000 $150,000
Paralysis Benefit (1% mo.) / up to ... $250,000 $150,000 $150,000
Accident Commencement Period 365 days 365 days 365 days

 

TEMPORARY TOTAL DISABILITY

Disability Commencement Period 90 days 90 days 90 days
Waiting Period 7 days 7 days 7 days
Benefit Percentage 70%AWE 70%AWE 70%AWE
Maximum Weekly Benefit Amount $500 $400 $400
Maximum Benefit Period 104 wks 52 wks 52 wks

 

CONTINUOUS TOTAL DISABILITY

Waiting Period 104 wks 52 wks 52 wks
Benefit Percentage 70%AWE 70%AWE 70%AWE
Maximum Weekly Benefit Amount $500 $400 $400
Maximum Benefit Amount $400,000 $300,000 $200,000
Maximum Benefit Period to age 70 to age 70 to age 70

                          

ACCIDENT MEDICAL EXPENSE

Medical Commencement Period 90 days 90 days 90 days
Deductible Amount $0 $0 $0
Maximum Benefit Period 104 wks 52 wks 52 wks
Dental Maximum per Accident $3,600 $3,600 $3,600
Maximum Benefit Amt per Accident $1,000,000 $500,000 $300,000
Lifetime Maximum Benefit $1,000,000 $500,000 $300,000

            

                           

NON-OCCUPATIONAL ACCIDENT BENEFITS

  Plan 1 Plan 2 Plan 3

ACCIDENTAL DEATH

Principal Sum $15,000 $15,000 $15,000
Accident Commencement Period 365 days 365 days 365 days

 

ACCIDENTAL DISMEMBERMENT

Principal Sum (1% mo.) / up to ... $15,000 $15,000 $15,000
Accident Commencement Period 365 days 365 days 365 days

 

ACCIDENT MEDICAL EXPENSE

Medical Commencement Period 90 days 90 days 90 days
Deductible Amount $0 $0 $0
Maximum Benefit Period 52 wks 52 wks 52 wks
Dental Maximum per Accident $1,000 $1,000 $1,000
Maximum Benefit Amt per Accident $5,000 $5,000 $5,000
Lifetime Maximum Benefit $10,000 $10,000 $10,000

 

 

LIMITS OF LIABILITY

  Plan 1 Plan 2 Plan 3

OCCUPATIONAL COVERAGE:

Combined Single Limit $1,000,000 $500,000 $300,000
Aggregate Limit of Liability $2,000,000 $1,000,000 $600,000
(applicable to all covered losses with respect to any one accident)      

                               

NON-OCCUPATIONAL COVERAGE

Combined Single Limit $15,000 $15,000 $15,000
Aggregate Limit of Liability $30,000 $30,000 $30,000
(applicable to all covered losses with respect to any one accident)      

*Amounts may be subject to a reduction schedule based on age at date of loss or benefit payment.

Regardless of the Occupational Plan selected, insureds are provided access to
Travel Assistance coverage and services while traveling 100 or more miles from home

MONTHLY PREMIUM PER DRIVER

PLAN 1: $143.00

 PLAN 2: $133.00

 PLAN 3: $122.00


Passenger Accident Option

  BENEFITS*  
  ACCIDENTAL DEATH   
     Principal Sum  $100,000
     Accident Commencement Period  365 days
  ACCIDENTAL DISMEMBERMENT  
     Principal Sum (1% mo.) / up to ...  $100,000
     Paralysis Benefit (1% mo.) / up to ...  $100,000
     Accident Commencement Period  365 days
  ACCIDENT MEDICAL EXPENSE  
     Medical Commencement Period 90 days
     Deductible Amount  $50
     Maximum Benefit Period  52 wks
     Dental Maximum per Accident  $1,000
     Maximum Benefit Amt per Accident  $100,000
             Lifetime Maximum Benefit $100,000
     
  LIMITS OF LIABILITY  
  PASSENGER ACCIDENT COVERAGE:  
     Combined Single Limit $100,000
     Aggregate Limit of Liability  $200,000
         (applicable to all covered losses   
         with respect to any one accident)   

*Amounts may be subject to a reduction schedule based on age at date of loss or benefit payment.

 MONYHLY RATE PER DRIVER TO INCLUDE
PASSENGER ACCIDENT OPTION: $10.00


EXCLUDED GROUPS: Coverage not available to drivers hauling or involved in following operations: Hazardous material haulers; auto haulers; livestock haulers; sand, gravel or any type of aggregate haulers; bulk carrier* or tank operations; PEO’s, driver leasing or temporary services; dump truck operations; moving and storage operations, logging and lumbering operations; home delivery operations; mobile home haulers; garbage haulers, oilfield equipment haulers; heavy machinery haulers; couriers of any kind.
(* Does not apply to Grain Haulers utilizing hopper bottom trailers.)

Coverage is not available in all states.

This brochure is for marketing purposes only. For further details, please review the policy forms and declarations. All coverages are subject to policy terms, conditions, limitations and exclusions, and the policy will govern in all matters. The Occupational Accident Insurance coverage is provided through the NITACA Group Insurance Trust and is underwritten by Atlantic Specialty Insurance Company, a member company of OneBeacon Insurance Group, LLC, whose executive offices reside at 605 North Highway 169, Suite 800, Plymouth, MN 55441. NITACA has entered into endorsement agreements with the insurer for which it receives compensation which is used to defray costs and provide membership services and benefits. Services are provided by third parties. OneBeacon reserves the right to change service providers at any time without written notice.

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