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Pallay Insurance Agency
P.O. Box 727
Mokena, IL 60448
Phone:
888.549.8533
708.478.7499
Fax:
800.428.9163
708.478.8430

Truckers Occupational Accident Insurance

PALLAY INSURANCE AGENCY

"e-Commerce with the personal touch"

Independent Owner/Operator
and
Contract Truck Drivers

Occupational Accident Insurance Protection

OCCUPATIONAL ACCIDENT BENEFITS

Plan 1

Plan 2

Plan 3

ACCIDENTAL DEATH

Principal Sum

$50,000

$ 25,000

$25,000

Survivor’s Benefit (1% mo.) / up to ...	$200,000	$125,000	$125,000
Accident Commencement Period	365 days	365 days	365 days

ACCIDENTAL DISMEMBERMENT

% of Principal Sum of ...	$250,000	$150,000	$150,000
Paralysis Benefit / up to ...	$250,000	$150,000	$150,000
Accident Commencement Period	365 days	365 days	365 days

TEMPORARY TOTAL DISABILITY

Disability Commencement Period	90 days	90 days	90 days
Waiting Period	7 days	7 days	7 days
Benefit Percentage	70%AWE	70%AWE	70%AWE
Maximum Weekly Benefit Amount	$500	$400	$400

Maximum Benefit Period

104 wks

52 wks

CONTINUOUS TOTAL DISABILITY

Waiting Period	104 wks	52 wks	52 wks
Benefit Percentage	70%AWE	70%AWE	70%AWE
Maximum Weekly Benefit Amount	$500	$400	$400

Maximum Benefit Amount	$400,000	$300,000	$200,000
Maximum Benefit Period	to age 70	to age 70	to age 70

ACCIDENT MEDICAL EXPENSE

Medical Commencement Period	90 days	90 days	90 days
Deductible Amount	$0	$0	$0
Maximum Benefit Period	104 wks	52 wks	52 wks

Dental Maximum per Accident	$1,000	$1,000	$1,000
Maximum Benefit Amt per Accident	$1,000,000	$500,000	$300,000
Lifetime Maximum Benefit	$1,000,000	$500,000	$300,000

NON-OCCUPATIONAL ACCIDENT BENEFITS

Plan 1

Plan 2

Plan 3

ACCIDENTAL DEATH

Principal Sum	$15,000	$15,000	$15,000
Accident Commencement Period	365 days	365 days	365 days

ACCIDENTAL DISMEMBERMENT

% of Principal Sum of ...	$15,000	$15,000	$15,000
Accident Commencement Period	365 days	365 days	365 days

ACCIDENT MEDICAL EXPENSE

Medical Commencement Period	90 days	90 days	90 days
Deductible Amount	$0	$0	$0
Maximum Benefit Period	52 wks	52 wks	52 wks

Dental Maximum per Accident	$1,000	$1,000	$1,000
Maximum Benefit Amt per Accident	$5,000	$5,000	$5,000
Lifetime Maximum Benefit	$10,000	$10,000	$10,000

LIMITS OF LIABILITY

Plan 1

Plan 2

Plan 3

OCCUPATIONAL COVERAGE:

Combined Single Limit	$1,000,000	$500,000	$300,000
Aggregate Limit of Liability	$2,000,000	$1,000,000	$600,000
(applicable to all covered losses with respect to any one accident)

NON-OCCUPATIONAL COVERAGE

Combined Single Limit	$15,000	$15,000	$15,000
Aggregate Limit of Liability	$30,000	$30,000	$30,000
(applicable to all covered losses with respect to any one accident)

Travel Assistance Services, ID Theft Management and
a Discount Prescription Drug Card Plan are included with all plans

MONTHLY RATE PER DRIVER

PLAN 1: $146.00

PLAN 2: $136.00

PLAN 3: $125.00

EXCLUSIONS: Coverage not available to drivers hauling or involved in following operations: Hazardous materials or waste; logging and lumbering operations; moving and storage operations; sand, gravel or any type of aggregate haulers; bulk carrier or tank operations; couriers, messengers or livery; PEO’s, driver leasing or temporary services.

Coverage is not available in all states.

This brochure is for marketing purposes only. For further details, please review the policy forms and declarations. All coverages are subject to policy terms and conditions. The OneBeacon Occupational Accident Policy is underwritten by OneBeacon America Insurance Company whose principal executive office is located at 150 Royall Street, Canton, MA 02021. OneBeacon Services is a wholly owned entity of OneBeacon Insurance. Services may be provided by third parties.

This coverage is not workers' compensation or sickness coverage and it does not provide coverage authorized or required under the Workers' Compensation Act. This is not a substitute for workers' compensation coverage.

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