Accident Insurance
Select a plan option to view your exclusive rates.
*


Monthly Rate

$6.23

State Bar of Wisconsin Accident Insurance

Coverage is issued by The Prudential Insurance Company of America (Prudential).

Receive a lump-sum benefit

that can be spent however you like

Acceptance is guaranteed

no medical exams or health questions

Coverage you can keep

even if you change jobs, as long as you remain a member

You can focus on recovery, not your finances

if the unexpected accident happens.

State Bar of Wisconsin members have the option to select the level of coverage that meets their needs and a premium amount that they can afford. Member, Spouse/Domestic Partner, and children are covered for the same amount with no proof of good health needed.

All active Members, under age 65, and their qualified dependents must be participating in a medical plan to be eligible for accident insurance. Spouse/Domestic Partners are qualified through age 64*, and children are qualified through age 26.

Member coverage ends when the Member is no longer part of an eligible class, reached age 80, dies, or stops making contributions. Dependent coverage for qualified dependents ends when any dependent ceases to be a qualified dependent, when the Spouse/Domestic Partner reaches age 80, or when the Member coverage ends.

The Prudential Insurance Company of America has developed a streamlined, easy-to-understand claims experience. There is no need to undergo treatment or provide proof of any expenses incurred. This can help you get paid faster.

Footnote

*Subject to state of residence

Accident Insurance pays a benefit for an injury resulting directly from an accident. Our approach strives to be convenient and beneficial, offering monthly coverage amounts that are affordable thanks to lower group-negotiated rates.

Monthly Rate
ACC Insurance Monthly Rates
Coverage Amount Medium Low Plan Medium High Plan
Member Only $6.23 $8.97
Member & Spouse/DP $9.92 $14.29
Member & Children $11.83 $17.28
Family $18.40 $26.82

Accident Insurance pays a lump sum benefit that you can use for any purpose, including help with some of the co-pays, co-insurance, or other out-of-pocket medical expenses and non-medical expenses. The chart below illustrates the plan highlights and the difference between the Low Plan and High Plan coverage amounts.

Benefits Paid From an Injury Caused By an Accident
ACC Insurance Benefits Payouts
Type of Loss Medium
Low
Plan		 Medium
High
Plan
Broken Tooth
Broken or chipped tooth (with no exposed dentine) $50 $100
Broken tooth (with exposed dentine) $200 $400
Burns - 2nd Degree
Less than 40 square centimeters of the body surface $500 $900
At least 40 but less than 100 square centimeters of the body surface $800 $1,200
At least 100 but less than 300 square centimeters of the body surface $1,000 $1,400
At least 300 square centimeters of the body surface $1,200 $1,700
Burns - 3rd Degree
Less than 40 square centimeters of the body surface $2,000 $4,000
At least 40 but less than 100 square centimeters of the body surface $3,000 $5,000
At least 100 but less than 300 square centimeters of the body surface $4,000 $6,000
At least 300 square centimeters of the body surface $5,000 $7,000
Coma $10,000 $12,000
Concussion
With no loss of consciousness $150 $300
With loss of consciousness $300 $500
Dislocation
Dislocation, Partial 35% 65%
Lower jaw or foot (except toes) $600 $800
Spine $1,500 $2,000
Collarbone $600 $800
Shoulder joint $600 $800
Rib $500 $700
Elbow $500 $700
Wrist $500 $700
Hand except fingers $500 $700
Finger or toe $75 $125
Foot except toes $600 $800
Hip $2,000 $2,500
Knee $600 $800
Ankle $600 $800
Eye Injury $300 $500
Fracture
Skull (simple non-depressed) $800 $1,200
Skull (depressed) $1,500 $2,000
Facial bone including nose, except upper or lower jaw $600 $800
Upper jaw $600 $800
Lower jaw $600 $800
Spine (vertebral processes) $1,000 $1,400
Spine (vertebral body except vertebral processes) $1,250 $1,750
Collarbone $600 $800
Shoulder blade $600 $800
Breast bone $1,250 $1,750
Rib $400 $600
Pelvis except tailbone $1,250 $1,750
Tailbone $300 $500
Upper Arm $500 $700
Forearm $500 $700
Wrist $500 $700
Hand except fingers $500 $700
Finger $75 $125
Hip or thigh (or both) $2,000 $2,500
Kneecap $600 $800
Leg except high $1,000 $1,400
Ankle $600 $800
Foot except toes $600 $800
Toe $75 $125
Chip $65 $90
Hernia
Femoral $150 $250
Inguinal $150 $250
Herniated disc $500 $700
Lacerations
Total is less than 5 centimeters long $100 $175
Total is at least 5 but less than 15 centimeters long $300 $500
Total is at least 15 centimeters long $600 $1,000
Paralysis
Four limbs $15,000 $25,000
Three limbs $12,000 $20,000
Two limbs $8,000 $12,500
One limb $4,000 $7,500
Rupture Disc $500 $700
Tear
Cartilage $600 $800
Ligament $600 $800
Rotator cuff $600 $800
Tendon $600 $800
Abdominal Injury $500 $1,000
Thoracic Injury $500 $1,000
Hospitalization
Hospital Stay <24 Hours $125 $175
Hospital Inpatient $200 $250
Transportation $100 $100
Lodging $60 $60

Prudential has developed a streamlined, easy-to-understand claims experience. There is no need to undergo treatment or provide proof of any expenses incurred. This can help you get paid faster.