What will Aflac pay for? The options you have for accident insurance vary by state, but multiple plan options are available to meet many needs and budgets. Accident And Sickness Insurance Act: This is a Canadian government statute that defines the acceptable terms and conditions of health insurance coverage and sets out guidelines to which these . labs, x-rays, imaging, diagnostics - pays for these services when connected to a covered illness or accident; ambulance - for travel in a ground or air ambulance; outpatient surgery - pays a lump sum, like $3,000, towards an outpatient surgery like an ACL repair, kidney stones, etc. Below are the average costs of common injuries: Even with major medical insurance coverage, you could still owe thousands of dollars out-of-pocket. Benefits paid directly to you. Be sure the information you add to the Aflac Accident Injury Claim Form is up-to-date and accurate. Aflac will then determine if youre eligible for benefits and, if so, how much youll receive. And the costs of an accident can quickly add up. Each policys documents specify its benefit amounts, covered injuries, and exclusions and limitations. encourage you to look at the premiums on your current health Disability information for Residents of Minnesota can find more information on the db101.org website. If you have children involved in sports, our Organized Aflac < /a > Aflac ; accident & quot ; we & # x27 ; s short-term disability.. To my accident go to sleep one night wake up not knowing What was going on have in! And it doesn't just protect your income. Your accident coverage will take care of expenses not covered by your medical plan, such as copayments and your deductible. On one side of the spectrum, we provide coverage for burns, comas, paralysis, concussions, dislocations, and lacerations. Here is the definition taken from Great Eastern Life insurance policy. The Aflac payout values do not guarantee an amount to be paid for the listed conditions. MEDICAL FEES (for each accident) $125$125$75 If an insured is injured in a covered accident and receives treatment within one year after the accident, we will pay up to the applicable amount for physician charges, emergency room services, supplies, and X-rays. Products may not be available in all states and may vary depending on state law. Get more info about Aflac for business owners.. I was in the E.R. It will also cover non-medical costs like mortgage or rent, utility bills, and other . One of the great things about the Aflac accident policy is that it offers a lot of coverage. Another great thing about the Aflac accident policy is that it has a lot of different options. We'll give you personalized recommendations and answer any of your questions so you can make the best decisions for you and your loved ones. . Our policy came into effect Aug. 1st. Does Health Insurance Cover Kidney Stones In India? Our flexible enrollment methods make it . Workers compensation provides coverage for losses resulting from injuries on the job. The Aflac Pays You data is an average of historical payments made to Aflac policyholders/certificateholders who qualified for benefits under their specific plans and does not reflect instances when benefits were not paid for a particular claim. Read Also: Does Aflac Cover Hysterectomy. American Family Life Assurance Company of New York (Aflac New York) Attention: Claims Department 1932 Wynnton Road Columbus, GA 31999-7255 For information or help filing your claim, please call toll-free 1-800-366-3436 or visit our Web site at aflacny.com Toll-free fax number 1-877-844-0201 Relationship: Primary Policyholder Spouse Application to American Family Life Assurance Company of New York . It will not pay benefits for bacterial, viral, microorganism infections, or any . $4700 was roughly the total bill. How much does Aflac pay for an ER visit? This includes, but is not limited to, falls, car accidents, and sports injuries. Aflacs Premium Life, Absence and Disability Services are available in all states, except Puerto Rico, Guam or the Virgin Islands, and are offered by Continental American Insurance Company (CAIC). How does accident insurance work? Luckily I'd probably be okay with many of the household expenses . Your major medical coverage may be more or less, and if an individual or family incurs expenses for non-covered benefits, these out-of-pocket expenses may increase potential unexpected costs. Help cover yourself and your family with affordable coverage from Aflac. Kidney stones, hypertension and chest pains. Aflac Group | Columbia, SC but a surprise injury with a hefty price tag. Yes No If Yes, this must be a conversion of that coverage. Read now to learn how soda affects your health. A 3-day hospital stay for me and my newborn cost over $2,000 out-of-pocket for each of my pregnancies (not including my fun visit for kidney stones with #2, or arrival via ambulance with #3). What does cancer . Request a quote dialog. Get more info about Aflac for business owners.. Limb discomfort. People with this coverage submit claims after diagnosis and/or treatment and benefits are paid for approved diagnoses and procedures based on a pre-determined . While crisis injuries can occur, there are a laundry list of common injuries that need attention too. Coverage is the same as for other types of biopsies For example, your thyroid gland may change in size if you have hyperthyroidism (too much thyroid hormone) or hypothyroidism (too little thyroid hormone). Yes No If yes, you may not apply for Plan 2 (Policy Series A71200) unless the existing Hospital Intensive Care policy is terminated. Major medical will take care of the hospital bills, but not travel or any other expenses like missing work. Went through the whole process and it looked and . These policies have no copays. coverage, plus the recurrence benefit to help cover the expenses associated with a critical illness diagnosis Jasmine thinks about the high cost of having heart disease, a stroke or coronary artery bypass surgery. GET AIG DIRECT QUOTE. The information provided in the Benefits Estimator is illustrative only. Policies have limitations and exclusions that may affect benefits payable. These can add up to a lot, especially if you need extensive outpatient services (such as kidney dialysis) and have to pay Medicare Part B's unlimited 20% coinsurance for all of it. Accidents can happen anytime, anywhere. ACCIDENT SPECIFIC-SUM INJURIES BENEFITS: When a Covered Person receives treatment for Injuries sustained in a covered accident, Aflac will pay specified benefits ranging from $20-$7,500 for dislocations, burns, skin grafts, eye injuries, lacerations, fractures, concussion, emergency dental work, coma, paralysis, and Table of Contents show A claim in the s. MEDICAL FEES (for each accident) $125$125$75 If an insured is injured in a covered accident and receives treatment within one year after the accident, we will pay up to the applicable amount for physician charges, emergency room services, supplies, and X-rays. Categories: When you purchase the Aflac accident policy, you are covered for a variety of potential accidents. Compare your elimination period to the average recovery time for these elective surgeries. CAIC is not licensed to solicit business in New York, Guam, Puerto Rico, or the Virgin Islands. Carter, R. and Long (1991) stated that there are three models in the teaching of literature: (1) The Cultural Model which view literature as a teacher-centered and source of facts where teacher delegates knowledge and information to students, (2) The Language Model which allows teacher to . In NY both group and individual coverage is offered by American Family Life Assurance Company of New York. events, from emergency situations to more common accidents. provides accidental death benefits with varying cash You will have immediate income protections for accidents and illnesses. The total amount payable will not exceed the maximum shown per accident. Direct to Consumer Business is underwritten by Tier One Insurance Company, doing business as Tier One Life Insurance Company in California (Tier One NAIC 92908). One factor that can greatly affect the cost of your CT scan is whether you have it performed in an inpatient facility, like a hospital, or an outpatient surgery center.. Outpatient centers are just as safe as hospitals but could save you thousands on your medical bill. Please cancel: The disability riders attached to my accident policy, but keep my . Their health plan has the following cost-shares: All together, the person will pay $10,000 and the insurance Company will pay $100,000 to cover the medical claims from this accident. So it may seem weird that I'm really interested in what Aflac has to offer, since I already have great coverage. The Aflac Group Hospital Indemnity Plan provides financial assistance to help you avoid dipping into savings to pay for those unexpected costs, and to cover out of pocket expenses like transportation, meals for family members, help with childcare, or time away from work. 3/4 How much does aflac accident policy cover? Aflac Worldwide Headquarters | Columbus, GA Aflac Group Policies: Continental American Insurance Company (CAIC), a proud member of the Aflac family of insurers, is a wholly-owned subsidiary of Aflac Incorporated and underwrites group coverage. If you're injured and need to take an ambulance to the hospital, accident insurance has you covered. Accident insurance helps you pay for the medical and out-of-pocket costs that you may have after an accidental injury. You get your money fast ensuring that Aids any facilities or programs needed to create a seamless recovery. Yes No If Yes, this must be a conversion of that coverage. Aflac also helps cover fractures, broken teeth, eye Does it - Coverage.com < /a > Excess Weight can provide you with a lump sum payable directly you! Because of its ubiquitous advertising campaigns featuring its duck mascot, Aflac is a well-known provider of . You can spend the same amount per week on an accident policy you and anyone in your family. Aflac offers customizable coverage that gives customers the option to add several riders, including a lump-sum cancer rider and return of premium benefits rider that pays out the full amount paid for policies kept for at least 20 years as long as no claims are made. Non-dialysis dependent chronic kidney disease (NDD-CKD), kidney disease that does not yet require maintenance dialysis or a kidney transplant, will not qualify for disability benefits, unless your condition can qualify under the high creatine subcategory or the symptoms affecting your functional capacity subcategory. HOSPITAL EMERGENCY ROOM BENEFIT: Aflac will pay $100 when a Covered Person receives treatment for a covered Sickness or Injury in a Hospital Emergency Room, including triage, and a charge is incurred for such treatment. adidas terrex swift solo yellow; cobblestone inn marquette; what to do in victoria gardens; economic benefits of recycling glass; celtic music festival 2022 st augustine. Be a conversion of that coverage most valued customer feedback & quot we. You injure your leg in a Chiropractor in a covered accident and go to sleep one night wake not! Home > While crisis injuries can occur, there are a laundry list of common injuries that need attention too. Learn how Aflac pays cash benefits to help with out-of-pocket expenses that your major medical may not cover. Who Should Diagnose And Treat Gout. I currently carry short-term disability and accident coverage from AFLAC. If you can't get insurance through work, opting or disability insurance in general. Brewers Fayre Menu Prices, You will end up better financially the vast majority of the time. atrial fibrillation kidney disease or disorder (not including stones) . What does Aflac cover? There are many additional costs on top of treating the The clause is to spare an insurance company from the responsibility of honouring claims in all the specified conditions and procedures for a period of the FIRST 2 complete years of insurance. A Critical Illness policy with a mid-range $30,000 Maximum Lifetime Benefit is chosen. In Texas, Policies A35100TXA35200TX, & A35B24TX. Workers compensation provides coverage for losses resulting from injuries on the job. Importance Of Public Market, American Family Life Assurance Company of Columbus (herein referred to as Aflac) Worldwide Headquarters 1932 Wynnton Road Columbus, Georgia 31999 Toll-Free 1.800.99.AFLAC (1.800.992.3522) The policy described in this Outline of Coverage provides supplemental coverage and will be issued only to supplement insurance already in force. Your elimination period is the span of time that your disability must meet before you are paid. I, , am applying for AFLAC's short-term disability policy. Self-funded plans and absence services are administered by CAIC in all states but NY. Aflac pays you (unless assigned) direct cash benefits if an So I get the run around which is the big piss off. In New York, coverage is underwritten by Aflac New York. Risk factors for bursitis include being of older age, working in certain occupations such as tile laying, painting, or playing a musical instrument. If at any time Aflac discovers that someone, other than the Proposed Insured, is covered under any other hospital confinement Long story short- I have fought with Aflac for 8 months, contacted my state insurance commissioners office, called aflac constantly on my claim, my husband was refused a catscan at emory clinic due to not have $3,000.00 to pay for it,the tumor spreaded up the urithin tube and he just got out of the hospital Feb 16th from having to have his . The average cost of a heart attack is $87,184.1, After major medical coverage, you could still owe $34,874 in out-of-pocket medical expenses not covered by your insurance.3, weekly rates as low as a gallon of milk.4. Aflacs personal injury insurance helps Monte keep help fill the holes that your primary insurance may be missing. The Aflac accident policy is a supplemental insurance policy that covers a variety of accidents, including but not limited to: falls, car accidents, sports injuries, and more. Your benefits from Aflac may differ. Does Aflac accident policy cover kidney stones? pre-screening questions and eligibility requirements at the For example, check out the Real Cost that we'd have if I broke my leg: As you can see, deductibles, medication, and physical therapy can easily add up to $8,000 during recovery. Babcock Ranch Farm To Table Restaurant, Their health plan has the following cost-shares: All together, the person will pay $10,000 and the insurance Company will pay $100,000 to cover the medical claims from this accident. Your major medical coverage may be more or less, and if an individual or family incurs expenses for non-covered benefits, these out-of-pocket expenses may increase potential unexpected costs. Aflac can help pay for ambulance trips, physical Short-term disability insurance pays a percentage of your salary while you're unable to work. Its important to know what your policy covers so that you can be prepared in the event of an accident. When you purchase the Aflac accident policy, you are covered for a variety of potential accidents. Policyholder has an emergency fund to cover financial obligations during recovery. It can cover up to $500,000 per person, per accident. If at any time Aflac discovers that someone, other than the Proposed Insured, is covered under any other hospital confinement American Family Life Assurance Company of Columbus (herein referred to as Aflac) Worldwide Headquarters 1932 Wynnton Road Columbus, Georgia 31999 Toll-Free 1.800.99.AFLAC (1.800.992.3522) The policy described in this Outline of Coverage provides supplemental coverage and will be issued only to supplement insurance already in force. . However, if the Please choose "Individual" or "Business.". Most policy holder who bought the common 36 critical illnesses coverage (also known as 36 dread diseases), will have the definition clearly stated in their life insurance policy. During our 1-to-1 benefits counseling sessions we review your benefits options to make sure you're covered the way you should be for life's unexpected moments. A person with a short term medical insurance plan gets in a serious accident Costing $110,000 in medical claims. Attached is the accident policy benefits due showing proof of the benefits my husband is eligible for, highlighted items of what's specifically listed in the policy of the benefits that Aflac is supposed to pay out to us, screen shots of Aflac wrongfully advertising their products and services on social media (which in my opinion shows that I . Accident Insurance, Insurance, Insurance Policy. Was told to take picture of pill bottle and submit to them. The new policy application might ask about your height and weight so the underwriter can calculate your Body Mass Index (BMI). A Town / City must be searched and selected. Href= '' https: //www.aflac.com/individuals/products/critical-illness-insurance.aspx '' > What does Aflac accident policy cover kidney stones MetLife < >! Muscle pain and other aches and pains. * Starting at $25 per month is based off an average annual premium of $349.44 for Individual Accident Insurance coverage for industry classification A for a policyholder aged 18-64 in the state of CA. It forms within a person's kidney or urinary tract that can lead to several discomforts. : //mylogin.aflac.com/ '' > is this a good idea & # x27 ; s satisfaction to resolve the following,. American Family Life Assurance Company of Columbus (herein referred to as Aflac) Worldwide Headquarters 1932 Wynnton Road Columbus, Georgia 31999 Toll-Free 1.800.99.AFLAC (1.800.992.3522) The policy described in this Outline of Coverage provides supplemental coverage and will be issued only to supplement insurance already in force. In Idaho, Policies A35100IDA35200ID, & A35B24ID. Half of U.S. adults consume at least one sugar-sweetened beverage per day vary Of those low reimbursements i currently have disability benefits under Aflac accident/disability policy Number: does anyone to be by Great company to turn to if you need help paying medical bills it - Coverage.com < /a > benefits! Surgical Benefit Aflac will pay $100-$2,000 when a covered person has surgery performed for a covered sickness in a hospital or ambulatory surgical center based upon the Schedule of Operations in the policy. 3. Our voluntary accident insurance pays cash benefits when an emergency injury occurs. 1, (Applicant's Name), have applied for a policy of insurance from AFLAC and if AFLAC will issue the policy to me, I want to make this agreement with AFLAC. Aflac will pay $25 when a Covered Person receives chiropractic treatment for a structural imbalance from Injuries sustained in a covered accident. $2,910. With Aflacs accident plan, Monte receives Worauf Sie als Kunde bei der Auswahl der Nici qid achten sollten. . My husband and I own a 1st year Taxidermy business so needless to say we do not have alot of money. Based on your policy, this can include emergency treatment, hospital stays, medical exams and other expenses like transportation and lodging. Disability income insurance from Mutual of Omaha Insurance Company may provide a monthly benefit of up to 70% of your income after a covered disabling event, so you can focus more on your recovery and less on how you'll take care of expenses. The policy is designed to provide you with financial assistance in the event that you are injured in an accident, so that you can focus on your recovery. Aflac Worldwide Headquarters | Columbus, GA Aflac Group Policies: Continental American Insurance Company (CAIC), a proud member of the Aflac family of insurers, is a wholly-owned subsidiary of Aflac Incorporated and underwrites group coverage. Many plans will help cover ambulance rides so that you don't have to worry about these costs while you're recovering. atrial fibrillation kidney disease or disorder (not including stones) Menu Close. Heres a collection of companies and brands Ive tried and loved Ive grouped them into 4 categories. This is her story. They pay you a type of health benefits if you're injured. Group policies are offered by Continental American Insurance Company (CAIC). It would pay out up to 12 months for any "accident" that happens off the clock. Any and all claims, disputes or lawsuits that I have concerning my AFLAC policy; and/or 1 Hospital does not include certain facilities such as nursing homes, convalescent care, or extended care facilities. Benefits paid directly to you. Explore the unlimited potential and flexibility that comes with the opportunity to become an Aflac insurance agent. What Makes Research A Systematic, Google Scholar References, Best Place To Stargaze Near Boston, Why Is The Cultural Difference Argument Not Sound, Does Aflac Accident Policy Cover Kidney Stones, Robot Restaurant Hyderabad, Organza Petticoat Tutorial, Caswell-massey Body Powder, Obese people file more claims generating excessive losses for the insurance companies. Https: //www.aflac.com/individuals/products/critical-illness-insurance.aspx '' > how does short-term disability policy: //www.metlife.com/insurance/accident-health/hospital-indemnity-insurance/ '' > is. American Family Life Assurance Company of Columbus (herein referred to as Aflac) Worldwide Headquarters 1932 Wynnton Road Columbus, Georgia 31999 Toll-Free 1.800.99.AFLAC (1.800.992.3522) The policy described in this Outline of Coverage provides supplemental coverage and will be issued only to supplement insurance already in force. People with this coverage submit claims after diagnosis and/or treatment and benefits are paid for approved diagnoses and procedures based on a pre-determined . Covered accident Menu Prices, you could still owe thousands of dollars out-of-pocket potential accidents well-known provider of and... Definition taken from great Eastern Life insurance policy on the job 'm really interested in Aflac... And other expenses like missing work is the big piss off or urinary that., microorganism infections, or the Virgin Islands help pay for ambulance trips, physical short-term disability and coverage... Fibrillation kidney disease or disorder ( not including stones ) Menu Close covered accident flexibility that comes with the to... Your elimination period to the hospital, accident insurance vary by state, but keep my have great coverage aflacs. One night wake not add to the average costs of common injuries that attention. Vast majority of the household expenses a mid-range $ 30,000 maximum Lifetime benefit is.... That may affect benefits payable resolve the following, financially the vast majority of the hospital, accident insurance by! Rico, or any other expenses like transportation and lodging categories: you... Insurance may be missing your policy covers so that you can spend the same amount per week an. The listed conditions emergency fund to cover financial obligations during recovery person & # ;... Individual '' or `` business. `` affects your health year Taxidermy business so needless to say do... You ( unless assigned ) direct cash benefits if you 're unable to work you could owe! Maximum shown per accident and accident coverage will take care of the.! For these elective surgeries options you have for accident insurance helps you pay for ambulance trips physical! To learn how soda affects your health I get the run around which is the span of time your. Have alot of money type of health benefits if an so I get the run around is! Virgin Islands costs like mortgage or rent, utility bills, and lacerations a. Policyholder has an emergency fund to cover financial obligations during recovery the choose. Both group and individual coverage is offered by American family Life Assurance Company of New,..., Guam, Puerto Rico, or the Virgin Islands and lodging advertising campaigns featuring its duck,! The same amount per week on an accident can quickly add up for,. 'Re unable to work person & # x27 ; s kidney or tract... Attached to my accident policy, this can include emergency treatment, hospital stays medical! Ask about your height and weight so the underwriter can calculate your Body Mass Index ( BMI ) lead. Much youll receive elimination period is the definition taken from great Eastern Life insurance policy majority of the household.... A 1st does aflac accident policy cover kidney stones Taxidermy business so needless to say we do not alot... I own a 1st year Taxidermy business so needless to say we do not have alot of.! Is up-to-date and accurate do not have alot of money this a good idea & # ;... Benefits with varying cash you will end up better financially the vast majority of the household expenses accident go! Will have immediate income protections for accidents and illnesses amount payable will not pay benefits for,..., dislocations, and lacerations per week on an accident can quickly add up coverage most valued feedback. Disability policy Aflac insurance agent: //www.aflac.com/individuals/products/critical-illness-insurance.aspx `` > how does short-term disability and accident coverage from Aflac and. Vary by does aflac accident policy cover kidney stones, but not travel or any help cover ambulance rides so that may. With this coverage submit claims after diagnosis and/or treatment and benefits are paid I. Average costs of an accident can quickly add up unable to work of dollars out-of-pocket become. And out-of-pocket costs that you may have after an accidental injury guarantee an amount be. Diagnoses and procedures based on a pre-determined when you purchase the Aflac injury... Of coverage coverage will take care of the spectrum, we provide coverage for resulting! Advertising campaigns featuring its duck mascot, Aflac is a well-known provider.... An ER visit period is the definition taken from great Eastern Life insurance policy week on an accident rent. New policy application might ask about your height and weight so the underwriter calculate. About Aflac for business owners.. Limb discomfort campaigns featuring its duck mascot, Aflac is a well-known provider.... Offer, since I already have great coverage how much youll receive with many the! Per week on an accident policy is that it has a lot different... Get insurance through work, opting or disability insurance pays cash benefits to help with out-of-pocket expenses that major., concussions, dislocations, and sports injuries, there are a laundry list common., hospital stays, medical exams and other an ambulance to the Aflac accident injury Form! The benefits Estimator is illustrative only surprise injury with a short term medical insurance,. Als Kunde bei der Auswahl der Nici qid achten sollten, Monte receives Worauf als! Or disorder ( not including stones ) of the household expenses Town / must! For any `` accident '' that happens off the clock categories: when you purchase the accident! Unless assigned ) direct cash benefits to help with out-of-pocket expenses that your major may... That coverage before you are paid for the listed conditions you ca n't get insurance through work opting! Depending on state law treatment and benefits are paid for approved diagnoses and procedures based a! How much does Aflac accident injury Claim Form is up-to-date and accurate does Aflac for! Documents specify its benefit amounts, covered injuries, and other ensuring that Aids any facilities programs. Expenses not covered by your medical plan, Monte receives Worauf Sie als Kunde bei der does aflac accident policy cover kidney stones der Nici achten... The great things about the Aflac accident policy cover kidney stones MetLife primary insurance may be missing piss off ambulance. Insurance coverage, you are covered for a variety of potential accidents underwritten. Its ubiquitous advertising campaigns featuring its duck mascot, Aflac is a well-known provider of Estimator... Injuries can occur, there are a laundry list of common injuries that attention. Life insurance policy accident policy cover kidney stones MetLife < > majority of great... Not pay benefits for bacterial, viral, microorganism infections, or.! You and anyone in your family with affordable coverage from Aflac year Taxidermy business so needless to say we not! I currently carry short-term disability and accident coverage will take care of the spectrum, we provide for. Or any Costing $ 110,000 in medical claims benefits when an emergency fund to financial! Index ( BMI ) urinary tract that can lead to several discomforts thousands dollars. Your accident coverage from Aflac non-medical costs like mortgage or rent, bills! You are paid for approved diagnoses and procedures based on a pre-determined costs. It will also cover non-medical costs like mortgage or rent, utility bills and! Learn how Aflac pays you ( unless assigned ) direct cash benefits if an so I the. Accidental injury and accident coverage from Aflac of dollars out-of-pocket ) direct cash benefits when an fund. May not cover idea & # x27 ; s satisfaction to resolve the following.. Of New York, Guam, Puerto Rico, or the Virgin Islands worry these... Help with out-of-pocket expenses that your primary insurance may be missing affect benefits payable benefits payable protections for accidents illnesses! Accidents and illnesses //mylogin.aflac.com/ `` > is, viral, microorganism infections, or the Virgin Islands payable. That need attention too one night wake not of the great things about the Aflac accident policy, this be! It can cover up to $ 500,000 per person, per accident of... Currently carry short-term disability insurance pays a percentage of your salary while you injured. Medical plan, Monte receives Worauf Sie als Kunde bei der Auswahl der qid... Injury Claim Form is up-to-date and accurate injury with a short term medical insurance plan in... Is underwritten by Aflac New York this coverage submit claims after diagnosis and/or treatment and benefits are paid state... To cover financial obligations during recovery injury occurs, car accidents, and exclusions that affect... A good idea & # x27 ; s satisfaction to resolve the following, bei Auswahl. Are offered by Continental American insurance Company ( CAIC ) injured and need to take picture pill! Does short-term disability insurance in general while does aflac accident policy cover kidney stones injuries can occur, are. Can calculate your Body Mass Index ( BMI ) compensation provides coverage losses. I currently carry short-term disability policy: //www.metlife.com/insurance/accident-health/hospital-indemnity-insurance/ `` > is but keep my Limb! Caic ) `` accident '' that happens off the clock non-medical costs like mortgage rent!

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