14 The benefits and rates in this guide are for illustrative purposes only. Please see Summary of Benefits for specific plan details. VOLUNTARY BENEFITS With accident insurance, you can manage the costs of falls, sports injuries and other accidents. Accident insurance covers many types of accidents and pays a cash benefit, directly to you, if you or your dependents are injured as part of a covered accident. ACCIDENT INSURANCE RATES PER PAY PERIOD Employee: $15.42 Employee + Spouse: $27.34 Employee + Children: $32.99 Family: $44.91