LICOA Sickness & Accident Disability
We often refer to disability as paycheck protection. This helps replace up to 60% of your paycheck in the event of a sickness or accident, this also includes maternity. Accident coverage day one and first night in the hospital benefit included. These plans are fully customizable, rates below are SAMPLES only, please contact your agent for exact rates.
Benefit Waiting Period
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Coverage Period
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X-Ray for Covered Injury
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Medical Equipment for Dislocation or Fracture
Broken Bones – covers fractures and dislocations
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Initial Hospital Confinement
0 days for accident
14 days for sickness
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6 months per occurrence
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$75
​
$375
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Schedule of benefits between $120 to $1,500
$1,000
Benefit Overview
0 days for accident
30 days for sickness
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6 months per occurrence
​
$75
​
$375
​
Schedule of benefits between $120 to $1,500
$1,000
MOnthly bank draft Rates:
Age
18-29
30-39
40-49
50-59
60-69
18-29
30-39
40-49
50-59
60-69
Monthly Benefit
$1,200
$1,200
$1,200
$1,200
$1,200
$1,500
$1,500
$1,500
$1,500
$1,500
Monthly Premium
Option 1
$47.44
$46.13
$57.40
$65.24
$81.04
$57.30
$63.90
$69.76
$79.50
$99.30
Monthly Premium
Option 2
$32.54
$35.80
$39.64
$49.24
$57.76
$38.70
$42.76
$47.56
$59.56
$70.20