Accidents can happen anytime, anywhere. Semgrep offers voluntary Accident Insurance through Guardian that pays cash benefits directly to you if you experience a covered accident or injury — on or off the job. Use the money however you need: doctor bills, co-pays, everyday expenses, or anything else.
This is a voluntary benefit, meaning you choose whether to enroll. Coverage is effective the 1st of the month following one day of employment.
What’s Covered
Emergency Benefits
| Ambulance | $200 |
| Emergency Care Treatment | $200 |
| Diagnostic Exam (CT Scan, EKG, MRI) | $200 |
| Dental Crown | $300 |
| Dental Extraction | $75 |
Non-Surgical Fracture Benefits
| Arm / Ankle / Foot | Up to $2,000 |
| Fingers | Up to $400 |
| Hip or Thigh | Up to $6,000 |
| Leg | Up to $3,600 |
Specific Injury Benefits
| Blood, Plasma & Platelet Transfusion | $300 |
| 2nd Degree Burns | Up to $3,000 |
| 3rd Degree Burns | Up to $12,000 |
| Concussion | $200 |
| Eye Surgical Repair | $300 |
Hospital Benefits
| Hospital Admission | $1,000 |
| Intensive Care Admission | $2,000 |
| Medical Mobility Devices (cane, crutches, walker, etc.) | Up to $200 |
Accidental Death & Dismemberment (AD&D)
| Employee | $20,000 |
| Spouse / Domestic Partner | $10,000 |
| Child(ren) | $5,000 |
AD&D includes Common Carrier, Common Disaster, Dismemberment, Seatbelt & Airbag, and Reasonable Accommodation benefits.
Hospital Confinement Sickness Benefit
$25 per day, up to 10 days — available for employees, spouses, and children.
Yearly Wellness Benefit
$50 per year for completing certain routine wellness screenings or procedures. Refer to your policy rider for qualifying procedures.
Plan Details
- Provider: Guardian (Group #74198)
- Plan: Accident – Advantage Plan
- Coverage type: On- and off-the-job injuries
- Cost to you: Voluntary — employee-paid
- Waiting period: 1st of the month following 1 day of employment
- Medical questions required? No
- Portable? Yes — you can take this coverage with you if you leave Semgrep
- Pre-existing conditions: 3-month look-back with a 12-month exclusion period (applies only to the Disability and Hospital Confinement portions of coverage)
This page is a summary only. The official plan documents govern in all cases. For complete benefit details, exclusions, and limitations, refer to your Guardian certificate booklet.