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Agency Program

AyiConnect Offers Agencies Affordable Occupational Accident Insurance (OAI)

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Protect caregivers placed with families for just $0.5/hr. Contact us at success@ayiconnect.com for set-up instructions.

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.