Accident | Lettuce Benefits Guide 2026

A covered injury pays out regardless of what your health plan already covers.

Lettuce Accident is a voluntary cash-benefit plan: when a covered injury happens, Principal pays you directly, not a hospital or provider. Use it for deductibles, lost income, or anything else - it stacks on top of Lettuce Healthcare rather than replacing it.

Binding this plan requires at least 10% of eligible members to participate, since it’s priced as a group. Your rate below assumes the plan is active in your state.

Up to $10,000 per fracture

Cash benefits scaled to a schedule of covered injuries.

$25,000 AD&D

$12,500 spouse / $6,250 per child.

$50 wellness benefit

Paid annually, regardless of other coverage.

Coverage details

Principal Off-the-Job Accident (Voluntary). Cash benefits, paid per covered event.

Covered Injury

Cash Benefit

Fracture

Up to $10,000

Dislocation

Up to $7,500

Coma

$15,000

Burn

Up to $5,000

Internal Injury

$1,500

Knee, Disc, Tendon & Ligament InjuryWith surgical repair

$1,500

Concussion

$500

Dental Injury

$500

Eye InjuryWith surgical repair

$500

Injuries Not Specifically Listed

$100

Catastrophic Loss% of principal sum

Benefit

Loss of life, both hands/feet, quadriplegia, sight/speech/hearing (both)

100%

Loss of one hand/foot, paraplegia, hemiplegia, sight in one eye

50%

Loss of thumb + index finger, one limb, or hearing in one ear

25%

Additional Benefit

Amount

AD&DEmployee / Spouse / Child

$25,000 / $12,500 / $6,250

Wellness BenefitPaid annually

$50