AyiConnect Offers Agencies Affordable Occupational Accident Insurance (OAI)
This plan provides financial support in case of accidents while working, including:
- Death & Dismemberment Benefits
- Medical Expense Coverage (up to $1M lifetime)
- Income Replacement for Temporary Disability
- Support for Long-Term Disability
Benefits for Your Agency:
- Attract and retain caregivers with valuable insurance coverage.
- Increase client satisfaction by offering peace of mind.
Summary of Plan:
- Covers nannies, caregivers, and domestic workers.
- Not Workers' Compensation.
- Booking must be documented on AyiConnect for coverage.
- Individual or Team: 10,000 hours minimum (individual or pooled). Set up fee: $40/one-time.
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.
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.