Accident & Disability Insurance
Let’s face it – accidents happen. Thats why AJFL is committed to providing you with benefits which can help relieve the additional financial strain that comes from unexpected injuries. On or off the job, we have your back!
Real Life Example
It helped Local 627 Chairperson John Foote.
While being transported in a carrier van, Foote’s life permanently and unexpectedly changed in an instant. His deployed airbag and seatbelt saved his life, but the resulting injuries he suffered required ongoing medical attention. His AJFL Accident Indemnity policy saved him from many of those ensuing medical expenses.
Accident Indemnity Insurance
Last year alone, over 80 million individuals sought medical attention due to an accident causing injury. That’s why an accident indemnity plan from AJFL can be the right choice for so many families. Our Accident Indemnity Plan covers you and your family both on and off the job.
There is NO PHYSICAL EXAM, premium does not increase with age, benefits will never be reduced, all children are covered for one low rate, and all benefits are paid directly to you.
A survey of emergency room visits shows more than a million times a year, or about every 25 seconds, a young athlete visits the hospital for a sports related injury. So whether you have children or not, contact your AJFL Representative today to learn more about why an Accident Indemnity Plan is a smart choice.
The benefits are payable directly to you regardless of other coverage and can help pay for expenses such as:
Emergency Treatment
Hospital Confinement
ICU Confinement
Major Diagnostic Exams
Physical Therapy
Prosthesis
Ambulance
Accidental Death and Dismemberment
Accidents happen every day and unfortunately, accidental death is more common than you may think. AJFL’s Accidental Death and Dismemberment plan is designed with your families needs in mind.
AJFL’s Accidental Death and Dismemberment policy provides a benefit for death caused by an accident. A dismemberment benefit for loss of hands, feet or eyesight is also provided. Guaranteed approval for active transportation employees and their family.
AJFL offers three benefit levels. You choose the level of protection that’s right for you and your family.
Benefits and Premiums for Primary Insured
| Benefit | Option 1 | Option 2 | Option 3 |
| Accidental Death | $20,000 | $40,000 | $60,000 |
| Private Auto Death | $30,000 | $60,000 | $90,000 |
| Common Carrier Death | $60,000 | $120,000 | $180,000 |
| Double Dismemberment | $20,000 | $40,000 | $60,000 |
| Dismemberment | $10,000 | $20,000 | $30,000 |
| Daily ICU Confinement | $200 | $400 | $600 |
| Surface Ambulance (up to) | $100 | $200 | $300 |
| Air Ambulance (up to) | $600 | $1,200 | $1,800 |
| Daily Family Lodging* | $20 | $40 | $60 |
| Daily Family Meals* | $10 | $20 | $30 |
| Monthly Premium | $6.50 | $13.00 | $19.50 |
Optional Benefits: Family rider provides coverage for your spouse and children*
*Certain restrictions apply. See policy for details.
Cancer Hospital Indemnity
Everywhere we turn, we can find someone who has been affected by cancer. But thanks to medical technology and massive gains in research, many cancers are now treatable. But these treatments come at a staggering cost. AJFL is committed to providing supplemental benefits to alleviate the financial and emotional strains so that you can concentrate on your recovery, not your bills.
Just look at the great benefits offer:
- $2,000 – First Diagnosis Benefit
- $300 per day – Hospital Confinement Indemnity
- $600 per day – $18,000 per month Extended Stay Benefit
- $100 per day – Home Recovery and Convelescent Care Benefit
- $15,000 – Bone Marrow Transplant
Your entire family can be covered with no medical exam or blood work!
Rates start as low as $9.00 per month!
Disablility Income Replacement
Your ability to earn money is critical to your families financial security. Your paycheck provides food, clothing, mortgage or rent payments, and more. In fact, your most valuable asset is your ability to work and earn money.
A sudden accident or injury can cause all of that to change making it difficult if not impossible to support your families standard of living.
Unfortunately, the chance of a disabling accident or sickness putting you out of work is a distinct possibility and it can have a lasting effect on you and your family.
AJFL offers options to prevent the economic catastrophe that often accompanies a physical disability and is a key part to your financial protection plan.
With multiple benefit periods and elimination periods, AJFL’s disability plan allows you to customize your coverage to fit your financial needs. This plan is not offset by group disability plans, so your payments cannot be decreased.
AJFL’s disability policy is guaranteed renewable. You are guaranteed the right to continue your coverage until you reach age 65 or retire, whichever occurs first. This means AJFL can never refuse to renew your policy as long as premiums are paid.
Optional Riders:
- Waiver of Premium Rider – Premiums for the basic policy and any riders attached to it will be waived for the calendar month following the number of consecutive days of total disability for the elimination period of 30-,60-, or 90-days.
- Motorcycle Rider – Will provide coverage when riding motorcycles, snowmobiles and three- and four-wheel all terrain vehicles for pleasure only.
Benefits are not payable during the period you are receiving benefits under an employer-sponsored wage continuation program. The needs of each individual are different and should be carefully considered in making important decisions with respect to the purchase of insurance. To obtain personal assistance, contact your AJFL Representative or complete the Information Request Form.
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Protect your way of life, your family, and yourself today.
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Contact Us
American Journey Financial Life
6060 Rockside Woods Blvd. N. STE 220
Independence, OH 44131
Phone: (216) 227-5200
Fax: (216) 228-0411
Toll Free: (800) 558-8842