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| OVERVIEW |
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- PAIC’s comprehensive Occupational
Accident Plan is an affordable alternative
to the Workers’ Compensation
required in the SCI contract for
independent contractors from age
18 to 70. Occupational Accident
is not a Workers’ Compensation
policy.
- Coverage will be provided when
the insured person is injured due
to an on-the-job accident, which
arises in the course of the insured
person’s regular occupation
while under dispatch, and on duty
for the courier company listed on
the insured person’s Evidence
of Coverage.
- COMBINED SINGLE LIMIT: $1,000,000
- AGGREGRATE LIMIT: $1,000,000
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| MEDICAL |
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- DEDUCTIBLE PER OCCURANCE: $250
- Up to $500,000 in benefits available
for covered medical expenses incurred
within 2 years of an on-the-job
accident that is sudden, unplanned,
unforeseen, and unintended.
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| TEMPORARY
TOTAL DISABILITY |
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- Pays 70% of the insured person’s
average weekly earnings up to $500
per week for 104 weeks
- Benefit begins seven days after
the insured person is declared disabled
by his physician, which must occur
within 3 months after the date of
injury.
- Available to age 70.
|
| CONTINUOUS
TOTAL DISABILITY |
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- Coverage is available to age 65.
Insured person is eligible for benefits
after being declared disabled by
his physician, which must occur
within 6 months after the date of
injury, and must remain continuously
disabled. Benefits begin after the
temporary total disability benefits
cease and the claimant applies for,
and receives, a Social Security
Disability award for the covered
injury. Payments will equal 70%
of the insured’s average weekly
earnings, less the primary Social
Security Disability benefit, * up
to $500 per week.
*
depending on state regulation |
| ACCIDENTAL
DEATH & DISMEMBERMENT |
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- $100,000 death benefit
- Complete dismemberment schedule
is listed in the policy
- Subject to the terms, conditions,
and exclusions of the policy.
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| SubContracting
Concepts, Inc requires Independent Contractors
(I/C’s) to provide Occupational
Accident or workers’ comp coverage,
at their own expense. SubContracting
Concepts provides Occupational Accident
Insurance in the event the independent
contractor chooses not to carry his
or her own workers’ comp insurance.
This Occupational Accident Insurance
is paid for by a deduction taken out
of your settlement check for services. |
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| Coverage
will be provided when the insured person
is injured due to an on-the-job accident,
which arises in the course of the insured
person's regular occupation while under
dispatch, and on duty for the courier
company listed on the insured person's
Evidence of Coverage. |
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| Your
responsibilities after you get injured
are to keep appointments, follow all
doctors’ instructions on and off
the job, maintain good communication
with SCI’s courier client, and
to fully cooperate with all instructions
you are given. Your coverage ceases
after completion of your last delivery,
unless you have been dispatched to deliver
a substantial distance outside your
normal delivery area. Claims must
be submitted within 7 days of accident
injury. |
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For
Average Weekly Earnings and
other Occ/Acc information,
please visit our driver site at www.scidriver.com
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