AyiConnect is proud to provide our users with occupational accident insurance (OAI) for Helpers.
This insurance provides financial support to AyiConnect Helpers (Nannies, Postpartum Caregivers, Senior Caregivers, and domestic workers) in case of an accident while working for families through our platform. Please note, that this is not Workers' Compensation insurance.
You can find your caregiver independently, but to be covered by our insurance, the booking needs to be documented through our platform.
Key Benefits (please refer to the chart below for the full list of benefits)
- Financial Assistance: Receive a lump sum payment in case of accidental death or dismemberment.
- Medical Expense Coverage: The insurance covers a portion of your medical expenses (including ambulance services) resulting from an accident, with a lifetime maximum and a $0 deductible.
- Income Replacement: If an accident prevents you from working temporarily (Temporary Total Disability), you'll receive a portion of your weekly earnings for a limited period.
- Support for Long-Term Disability: In case of a permanent disability due to an accident (Continuous Total Disability), the insurance provides income replacement up to a specific age.
Benefit | Occupational Injuries |
Accidental Death & Survivor’ Benefit: | Principal Sum*: $250,000
Commencement Period: 365 days
Monthly Benefit Percentage of Principle Sum: 1.00%
Monthly Benefit Amount: $1,500 |
Accidental Dismemberment Benefit: | Principal Sum*: $200,000
Commencement Period: 365 days |
Accidental Paralysis Benefit: | Principal Sum*: $200,000
Commencement Period: 365 days |
Accident Medical Expense Benefit: | |
Commencement Period | 90 days |
Deductible Amount | $0 |
Maximum Benefit Amount | $1,000,000 |
Maximum Benefit Period | 104 weeks |
Dental Benefit Maximum | $2,500 |
Lifetime Maximum Benefit Amount | $1,000,000 |
Physical, Occupational, or Work Hardening Therapies | To a maximum combined 36 visits per surgery; or as authorized |
Ambulance for Medically Necessary Services | 1 round trip to and from a Hospital to a Maximum of $10,000 per Accident |
Acupuncture Care and Chiropractic Care | $1,000 per Injury |
Mental and Nervous or Depressive Condition | 1 visit per day to a maximum of $25 per visit and 20 visits per Accident |
Temporary Total Disability Benefit: | |
Commencement Period | 90 days |
Waiting Period | 7 days |
Benefit Percentage | 70% |
Minimum Weekly Benefit Amount | $125 |
Maximum Weekly Benefit Amount | $500 |
Maximum Benefit Period | 104 weeks |
Continuous Total Disability Benefit: ** | |
Waiting Period | equals Maximum Benefit Period for Temporary Total Disability |
Benefit Percentage | 70% |
Minimum Weekly Benefit Amount | $50 |
Maximum Weekly Benefit Amount | $500 |
Maximum Benefit Amount | $200,000 |
Maximum Benefit Period | Not beyond full Social Security retirement age |
Limits of Liability: | |
Combined Single Limit of Liability | $1,000,000 |
Aggregate Limit of Liability | $2,000,000 |
Sub Limits of Liability: | |
Combined Single Limit of Liability for: | |
Pre-Existing Conditions | $10,000 |
Occupational Disease | $50,000 |
Occupational Cumulative Trauma | $50,000 |
- Starting at age 65, the Principal Sum shall be based on the following schedule:
Age at Date of Loss | Percent of Principal Sum |
65 | 80% |
66 | 60% |
67 | 40% |
68 | 20% |
69 | 15% |
70 and over | 10% |
* If an Insured Person sustains an Injury within six months or less of attaining his or her full Social Security retirement age, as defined by the United States Social Security Administration, the Insured Person does not qualify for the Continuous Total Disability Benefit.
Additional Coverage Options:
Families and Helpers can purchase additional insurance for broader protection beyond what's included in the Occupational Accident plan.
What's Not Covered:
- Travel time to and from jobs is generally not covered. Coverage starts upon arrival at the work location and ends after finishing work for the day.
- For Temporary or Continuous Disability claims, earnings for the past 30 days of work must be verified.
Who is Covered?
- Families can hire caregivers independently, but for insurance coverage, both the hiring and insurance payment must be documented through our platform. The helper can be paid directly via other methods.
- Helpers are automatically covered by the insurance as long as the family initiates the hiring process through AyiConnect and pays the premium. A documented and valid offer and contract between the family and Helper is required for coverage.
Important Note: Using AyiConnect for communication is highly recommended. Our chat room serves as the primary source of documentation for claims investigations. For a smooth claims process, both families and Helpers should communicate through AyiConnect.
Insurance Fraud: AyiConnect takes fraud seriously. Using our services fraudulently or solely to benefit from the insurance is a crime. Violating this policy will result in denial of benefits, termination of your AyiConnect access, and potential legal action.
Please refer to the AyiConnect Terms and Conditions for any other info.