Personal Accident Insurance
PAI gives financial protection if you’re seriously hurt or die in an accident.
Company-paid coverage:
- If you choose employee-only coverage, you get 2x your pay.
- If you choose coverage for your family, you get 1x your pay.
Extra coverage:
- You can buy more (up to 12x your pay in total including the company-paid coverage).
Plan Details
Beneficiaries
- You must name someone to receive the benefit when you enroll.
- If you choose family coverage, you are the beneficiary for your spouse/partner and children.
- If you choose employee-only coverage, your beneficiary gets 100% of the benefit if you die or are injured.
Family coverage payouts
- If a family member dies or is injured, the amount you receive depends on who is covered, for example your spouse/partner, children, or both.
- Visit mySHSBenefits.com to view or update your beneficiary details.
PAI coverage amount paid
Review how the PAI coverage amounts are broken out based on the coverage option you choose:
| Employee only | If family consists of spouse or domestic partner AND children | If family consists of spouse or domestic partner only | If family consists of children only |
|---|---|---|---|
| 100% | 50% spouse or domestic partner 10% child |
60% | 15% |
PAI benefits paid
The percentage of the coverage amount that would be paid varies based on the type of loss resulting from the accident. Refer to your Summary Plan Description for more details.