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Benefits

New Landstar BCOs are able to select coverage under the CPP with either a $1,000,000 or $2,000,000 Combined Single Limit (CSL). Benefits are described in more detail in the Evidence of Insurance, which is available either online or from the Gallagher Insurance Coordinator. Here's a summary of CPP benefits:

  • The total aggregate benefit payable for Accidental Death and Dismemberment, Total Disability and Medical Expenses will be either $1,000,000 or $2,000,000 depending on the option selected.

  • Order of payment is:

    1. accident-related Medical Expenses
    2. Disability Income, and
    3. Accidental Death and Dismemberment.
  • Benefit payments made under one coverage may reduce benefits payable under any other coverage, so that the total paid will not exceed the total aggregate benefit under the option you select.

  • If Accidental Death occurs within 90 days of a covered occupational accident and before the insured reaches 75, CPP will pay a flat sum of $75,000 ($15,000 for a non-occupational accident) to your beneficiary. In addition, your spouse or other eligible surviving dependents may receive $2,500 a month in survivor's benefits, up to a maximum survivor's benefit of $225,000. An additional $10,000 death benefit will be paid to your beneficiaries if your Accidental Death occurs while you are wearing your seat belt (applies to covered occupational accidents only).

  • In the event of a covered occupational accident resulting in dismemberment or paralysis, you will be entitled to an amount of up to $100,000 ($15,000 for a non-occupational accident), payable at $1,000 a month.

  • If you are Totally Disabled within 180 days of a covered occupational accident, you will be entitled to Temporary Total Weekly Disability Income equal to 75 % of your weekly earnings, up to $500 a week. (Temporary total disability is defined in the first 24 months as being unable to continue your current occupation; beyond that time, it is defined as disability from any occupation. The maximum disability benefit is $300,000.) Up to $600 Temporary Total Disability Income benefit based on 75% of your weekly earnings is available as an optional Coverage for those in the $2,000,000 plan.

  • You will be covered for eligible Medical Expenses, including doctor's fees, prescription drugs, ambulance, chiropractic care (up to $1,000 per accident) and hospital costs. All benefits are limited to usual and customary charges. First medical expenses must be incurred within 90 days of the accident. This coverage is excess over other accident and/or health insurance plans.

  • Pre-existing conditions as defined by the policy are covered up to a maximum of $25,000 for injuries resulting from covered occupational accidents.

  • Non-occupational accidents are covered up to a maximum of $15,000 per accident.

  • Authorized passengers (who must have completed a "Passenger Authorization" form, are at least 18 and do not drive, load or unload) are provided up to $50,000 in total coverage for accidental death, dismemberment and medical expenses (up to $25,000), if they are involved in a covered occupational accident involving a Landstar Business Capacity Owner covered by CPP.

Insurance Carrier

CPP coverage is provided by the Zurich American Insurance Company in the United States and by American Home Assurance Company in Canada.

To view or print a Sample U.S. Description of Coverage, click the appropriate schedule below:

Limitations and Exclusions

A few of the limitations and exclusions of the CPP are:

  • Medical treatment must be initiated within 90 days of the date of injury;
  • Suicide, intentionally self-inflicted injuries are not covered;
  • Sickness or disease is not covered;
  • Intoxication or being under the influence at the time of the accident renders claim not covered;
  • Medical Provider charges in excess of usual, customary and reasonable are not covered;
  • The Insured person must be over age 23 and under age 75 to enroll in the plan.