Briggs & Stratton has partnered with Cigna to offer employees the ability to purchase Accident, Critical Illness & Hospital Indemnity voluntary benefits.
Accident Insurance
You can’t always avoid accidents but you can protect yourself from accident-related costs that can strain your budget. Accident coverage is a medical plan that provides employees and their families with a fixed cash benefit when you have a covered accident-related injury, like an ankle sprain or arm fracture.
As medical costs continue to rise, CIGNA’s accident insurance provides a financial safety net that provides you with financial aid when you need it the most.
What types of injuries are covered?
- Broken bones
- Burns
- Torn ligaments
- Cuts repaired by stitches
- Eye injuries
- Dislocations
- Concussions
- Emergency dental
What types of treatment are covered?
- Outpatient surgery
- Doctor’s office visits
- Diagnostic lab & x-rays
- Ambulance
- Imaging (Ex: CT scans, MRIs)
- Hospitalization
- Occupational Therapy
- Speech Therapy
- Chiropractic visit
- Physical Therapy
- Urgent Care
How much does this plan pay?
The amount you receive depends on your injury and the treatment you receive, usually a set amount for specific covered injuries or care. In addition, the plan pays:
- $50 annual wellness benefit; call (800) 754-3207 to speak with a dedicated customer service representative
- Sport Injury benefit that increases the reimbursement by 25%
- Accidental Death & Dismemberment (AD&D) benefit
How will I receive payment?
The benefit will be paid directly to you in one lump-sum payment. The benefit amounts will be paid regardless of the actual expenses incurred.
How can I use the money?
You can use it any way you choose — for monthly bills, household expenses, co-pays, deductibles or other expenses your medical plan doesn’t cover.
Am I guaranteed coverage?
Eligible employees are guaranteed to receive the coverage without answering any health questions. There are no limitations for pre-existing conditions and this benefit is portable if you leave Briggs & Stratton. You must be actively at work on the effective date of the insurance in order for the coverage to take effect. Please note you can only drop this plan during the Annual Enrollment period or due to death or divorce.
Critical Illness
When a serious illness strikes, critical illness insurance through Cigna can provide financial support to help you through a difficult time. Critical illness plans pay a lump-sum cash benefit upon diagnosis of a covered condition which you can use in any way that meets your needs.
Employees can choose a benefit amount from $10,000 to $40,000 in $10,000 increments. Employees can cover their spouse and/or children as well at 50% of their employee elected amount. Rates are based on your age and the amount of coverage you elect. Please refer to the enrollment website for detailed rate information.
To help prevent illness, this plan can also pay you an annual wellness benefit of $50 per covered person per calendar year if you or your covered dependents complete a covered health screening such as a physical exam, total cholesterol blood test, mammogram, lipid panel and more! Just call 800-754-3207 to speak with a dedicated customer service representative.
Am I guaranteed coverage?
Eligible employees are guaranteed to receive the coverage without answering any health questions. There are no limitations for pre-existing conditions and this benefit is portable if you leave Briggs & Stratton. You must be actively at work on the effective date of the insurance in order for the coverage to take effect. Please note you can only drop this plan during the Annual Enrollment period or due to death or divorce.
The chart below illustrates covered conditions and the benefit amount that would be paid. Please refer to the full plan document for all details, limits and exclusions.
| Cancer Conditions | Benefit Amount |
| Invasive Cancer | 100% |
| Noninvasive Cancer | 25% |
| Skin Cancer | $500 (1x per lifetime) |
| Vascular Conditions | Benefit Amount |
| Heart Attack, Stroke | 100% |
| Coronary Artery Disease, Aortic & Cerebral Aneurysm, Advanced Heart Failure | 25% |
| Nervous System Conditions | Benefit Amount |
| Advanced Stage Alzheimer’s Disease, Amyotrophic Lateral Sclerosis (ALS), Parkinson’s Disease, Multiple Sclerosis, Mild Stage Alzheimer’s Disease | 100% |
| Huntington’s Disease, Myasthenia Gravis | 25% |
| Infectious Conditions | Benefit Amount |
| Bacterial Meningitis, Malaria, Tuberculosis, Necrotizing Fasciitis, Osteomyelitis, Severe Sepsis | 25% |
| Other Specified Conditions | Benefit Amount |
| Benign Brain Tumor, Blindness, End-Stage Renal (Kidney) Disease, Major Organ Failure, Paralysis, Loss of Hearing, Loss of Speech | 100% |
| Coma, Systemic Lupus, Systemic Sclerosis, Advanced Obesity, Crohn’s Disease, Pulmonary Embolism | 25% |
| Childhood Conditions | Benefit Amount |
| Cerebral Palsy, Cystic Fibrosis, Muscular Dystrophy, Poliomyelitis, Hearth Wall Malformation, Sickle Cell | 100% |
Hospital Indemnity
Medical bills can add up quickly after having to stay in the hospital. Cigna’s hospital indemnity insurance can help ease the financial burden of a hospital stay as it pays a fixed cash benefit directly to you when you experience a covered hospital stay for events like an in-patient procedure or childbirth.
Am I guaranteed coverage?
Eligible employees, spouses and children are guaranteed to receive the coverage without answering any health questions. There are no limitations for pre-existing conditions and this benefit is portable if you leave Briggs & Stratton. You must be actively at work on the effective date of the insurance in order for the coverage to take effect. Please note you can only drop this plan during the Annual Enrollment period or due to death or divorce.
Examples of benefits paid when you experience a covered in-patient hospital stay:
- Hospital Admission (Non-ICU and ICU): $1,000
- Hospital Stay: $100 per day (limit of 30 days)
- Hospital ICU Stay: $200 per day (limit of 30 days)
- Newborn Nursery Care Admission: $500
- Newborn Nursery Care Stay: $100 per day (limit of 30 days)
Examples of benefits paid when you experience a covered medical facility stay:
- Skilled Nursing Facility Care: $50 per day (limit of 30 days lifetime maximum)
- Substance Abuse Facility Care: $50 per day (limit of 30 days lifetime maximum)
- Medical Illness and Nervous Disorder Facility: $50 per day (limit of 30 days lifetime maximum)
This plan also provides a $50 wellness benefit per covered person per calendar year if you or your covered dependents complete a covered health screening such as a physical exam, total cholesterol blood test, mammogram, lipid panel and more! Just call 800-754-3207 to speak with a dedicated customer service representative.