ENR-CUYA-BRC001

GROUP BENEFITSThe Lincoln National Life Insurance Company

Lincoln Accident Insurance

Take charge now!

Employee Guide

Employee assistance. Accident coverage includes telephone and online confidential guidance for personal matters if you suffer an accident.

TravelConnect SM services. The plan comes with travel assistance services such as travel planning and free emergency medical help whenever you travel more than 100 miles from home.

Helps you live in the momentLife is full of unexpected moments. Some of these become your most cherished memories, and some are ones you’d rather forget — like accidental injuries. That’s why we offer Lincoln Accident Insurance.

Lincoln Accident Insurance pays cash should you or a family member suffer an accidental injury — and you decide the best way to spend it.

Benefits for more than 70 covered injury expenses and treatments include:

• Emergency room visits

• Ambulance transportation

• Hospital admission and confinement

• Intensive care

• Surgeries

• Fractures and dislocations

• Lacerations

• Concussions

• Accidental death and dismemberment

• And more

You’ll receive cash for covered injuries. You’ll even get benefits for multiple covered injuries resulting from the same accident.

Important features that make a differenceSecurity — You can keep your coverage if you leave the College.

Affordability — Products offered at your workplace are usually less expensive than purchasing on your own.

Convenience — Payroll deduction is simple and easy.

Certainty — For 2014 benefits open enrollment or for new hires, the insurance is Guarantee Issue, which means you have an opportunity to buy coverage without medical examinations or questionnaires. Late entrants will be subject to evidence of insurability.

Consider your medical costs

Take a look at your medical deductibles, copayments, and insurance maximums, and decide whether you’re able to pay them out of your own pocket.

Consider your expenses

Add up routine expenses like food and clothing and regular bills such as credit cards, car payments, and mortgages to see how much money is left to pay medical bills.

Consider your savings

Estimate your savings, investments, and other nest eggs, and decide whether you could dip into them to cover costs due to an accident.

Lincoln Accident Insurance

Assess your need for accident insurance

Group accident coverageSummary of benefitsEligibility: All full-time employees between ages 17 and 80.

Emergency care Choice planAmbulance/air ambulance $150/$600Initial physician office visit/ER visit $75/$150Major diagnostic care $100

Treatment careHospital admission $1,000Hospital confinement daily benefit $200Intensive care daily benefit $400Alternate care and rehabilitative facility daily benefit $100Follow-up doctor/patient care, up to 6 sessions $50Transportation for care (up to 3 times per accident) $300Companion lodging (up to 30 days per accident) $100Family care, per child (up to 30 days) $20

Fractures Nonsurg/SurgPer fracture $100–$2,800/$200–$5,600Chip fractures 25% of the fracture benefit

Dislocations Nonsurg/SurgPer injury $150–$2,400/$300–$4,800Partial dislocation 25% of the dislocation benefit

Specific injuries or treatments Choice planTransfusions $300Burns $100–$12,800Skin grafts Additional 25% of the

burn benefitJoint replacement $1,500–$2,000Coma $7,500Concussion $100Dental crown, once per accident $150Dental extraction, once per accident $50Eye (removal of foreign body), once per eye/accident $100Eye (surgical repair), once per eye/accident $300Laceration $50–$400Surgery $250–$1,000Treatment of ligaments/tendons, knee cartilage, rotator cuff, ruptured disc

$450–$600

Transitional care benefitsCrutches, wheelchair, walker $25–$350Prosthesis per limb/device $500Reasonable modifications to home or vehicle $2,500

Accidental death & dismemberment (AD&D) Choice planEmployee $75,000Spouse $25,000Child $12,500Loss of or loss of use of one: hand, foot, arm, leg, eye $7,000Loss of or loss of use of any one finger, thumb, or toe $300Common carrier enhanced death benefit 2x benefit amountTransportation of remains $5,000Seat belt/helmet AD&D benefit 10% of AD&DCommon disaster enhanced death benefit 2x benefit amountCatastrophic loss $50,000

Additional benefitsAccident EAP services IncludedTravelConnectSM IncludedHealth Assessment (Wellness) Benefit: If an insured undergoes a defined health assessment, a benefit will be paid.

$50, one time per year per insured

Accident base coverage Biweekly cost for 22 pay periods

Biweekly cost for 26 pay periods

Employee only $8.64 $7.31Employee + spouse $13.23 $11.19Employee + child(ren) $14.29 $12.08Employee + family $20.08 $16.99

Group level benefit optionsAdditional benefits selected by employer for all enrolled employees — cost included in the base coverage rates above

Health Assessment (Wellness) Included

ExclusionsThis accident policy will not cover losses caused by or as a result of:

• Injury occurring prior to the effective date of coverage or after termination of the coverage

•Duty as a member of any military, including Reserves or National Guard

•Travel or flight in or on any aircraft, except as a fare-paying passenger on a regularly scheduled commercial flight

•Participating in high-risk or extreme sports•Having cosmetic or elective surgery•Participating in or attempting to commit a felony•Being incarcerated in any type of penal or

detention facility•Having a blood alcohol level of .08 grams of

alcohol or more per 100 milliliters of blood•Deliberately using poison, gas, fumes or drugs

(except when prescribed by a physician and administered appropriately)

•Committing or attempting to commit suicide or any other self-inflicted injury

•Any sickness, disease (physical or mental), or medical or surgical treatment of these

•Participating in, practicing for, or officiating a semiprofessional or professional sport

•Riding in or driving any motor-driven vehicle for race, stunt show or speed test

•War, act of war, or participation in a riot, insurrection or rebellion

•Any injury sustained while residing outside the U.S., U.S. territories, Canada or Mexico for more than 12 months

• Injury arising out of or in the course of any employment for wage or profit (Off-the-Job Coverage only)

This is not intended as a complete description of the insurance coverage offered. While benefit amounts stated in this summary are specific to your coverage, other items may summarize our standard product features and not the specific features of your coverage. Controlling provisions are provided in the policy, and this summary does not modify those provisions or the insurance in any way. This is not a binding contract. A policy will be made available to you that describes the benefits in greater detail. Should there be a difference between this summary and the policy, the policy will govern.

In Maryland, Minnesota, New Jersey, New York and Washington, this product is offered as an individual insurance policy.

In all other states, this product is offered as a group insurance policy.

This plan design is not offered in New York. This product is not available in Vermont.

Travel assistance services are provided by FrontierMEDEX, Baltimore, MD. Accident EAP services are provided by ComPsych® Corporation, Chicago, IL. FrontierMEDEX and ComPsych® are not Lincoln Financial Group ® companies. Each independent company is solely responsible for its own obligations.

Some benefits have limits on the number of services provided or limit the time frame in which the services must be rendered. See your certificate booklet or policy for more information.

Insurance products (policy series GL41, GL41SG, WIND) are issued by The Lincoln National Life Insurance Company (Fort Wayne, IN), which does not solicit business in New York, nor is it licensed to do so. Product availability and/or features may vary by state. Limitations and exclusions apply. Not for use in New York.

Lincoln Financial Group is the marketing name for Lincoln National Corporation and its affiliates. Affiliates are separately responsible for their own financial and contractual obligations.

©2013 Lincoln National Corporation

150 N. Radnor-Chester Road Radnor, PA 19087

LincolnFinancial.com

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