Accident Coverage
Accident are a part of life and can happen more frequently than we expect. With Dearborn Accident coverage, you are purchasing a plan that will reimburse you with level dollar amounts depending on the type of accident. The extra money can be used in any manner you wish, and can cover costs outside of your group medical plan. The Accident Plan also includes an annual Wellness benefit of $50.00 per person enrolled. For more information, click the button below to download the Accident summary of benefits.

 

2023 Plan Rates (semi-monthly)

Employee Only                    $9.06
Employee and Spouse       $15.20
Employee and Children     $16.05
Family                                   $25.67

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Short-Term Disability
Short-Term Disability coverage is a convenient, economical way of securing an income while out of work from an unexpected injury or illness. Conditions related to pregnancy and/or childbirth that result in a person's inability to perform their own occupation may also be covered. Voluntary Group STD is a guaranteed issue coverage, which means it does not require a health questionnaire to complete. You may choose a weekly benefit amount from $100 to $1,500 in $50 increments, not to exceed 60% of weekly earnings*. Rates are based on your age bracket and desired amount of coverage. Preexisting condition exclusions and limitations apply. For more information, click the button below to download a summary the Short-Term Disability summary of benefits. For rate information, please contact Human Resources.

*Weekly Earnings means your weekly rate of earnings from your employer in effect immediately prior to the date disability begins. It includes total income before taxes including deduction made for pre-tax contributions to a qualified deferred compensation plan, Section 125 plan, or flexible spending account. It does not include bonuses, overtime pay, or any other extra compensation.

 

Voluntary Life/Accidental Death & Dismemberment Insurance
If you are already enrolled in Dearborn Voluntary Life/AD&D coverage, you can add $10,000 in coverage, up to $225,000. For rates, please contact Human Resources.