Here are some questions to ask when choosing an insurance provider:

• How long have they been in business?
  
  Pupil Benefits Plan, Inc. has a history that goes back to 1932!  And since that time we have continually provided New York State districts and their students with ideal coverage that matches their needs and risk profile, and their budget.

• Has the company grown and changed with the times?
  
  We are very proud of our unmatched history of service and commitment. Fast forward to today and you will find we have distilled our decades of experience into comprehensive, cost-effective and efficient processes that provide our customers with high-quality service and coverage day after day. We are acutely aware of the changing needs of districts and the increasing amount and wide variety of risks faced by today’s students. Our plans and coverage continue to evolve to meet your needs today and in the future.

• What key areas of coverage and risk are you experience with?
  
  Pupil Benefits Plan Student Accident Insurance was created from the beginning to address the needs of insuring New York State students. We proudly protect nearly 650,000 students and 360 school districts in New York State. Our unique focus and depth of experience means that when you choose Pupil Benefits Plan, you are partnering with one of the most successful and highly rated insurance companies around.

• Do you work with local agents?
  
  Absolutely!  We will work closely with your local broker or agent to come up with the right insurance plan for you – customized with the right coverage to meet your needs and risk profile. We can even customize a plan that provides different coverage for individuals or groups of students. The relationship you have with your agent is an important one, and it is often advantageous to draw upon their unique knowledge of your district.

• Do your plans offer meaningful coverage?
  
  Yes… our plans offer a full range of coverage to help protect students from the many risks and injuries they face every single day. 

- In-school activities such as classroom accidents, time to and from class on school grounds, gyms class, recess, and student altercations.

- Off-premises activities and travel to and from school sponsored events in school vehicles, including away sports games, field trips, cultural activities, and more.

Coverage R

BLANKET COVERAGE

Provides 100% of the usual and customary charges for medical, dental and hospital services, with no deductible. Drugs, supplies and orthopedic appliances included.

Coverage P

BLANKET or INDIVIDUAL COVERAGE

Provides scheduled indemnities for medical, dental and hospital services. Automatic catastrophe allocation at 80% after a $100.00 deductible.

Option A

All school sponsored activities: including interscholastic football, on an individual basis.

Option B

All school sponsored activities excluding interscholastic football.

Option I

All school sponsored activities excluding all interscholastic athletics.

• School sports games, practices, and training: football, basketball, baseball, wrestling, soccer, hockey, lacrosse, rugby, field hockey, tennis, swimming, bowling, etc.

• Away (off-site) sports games, championships, invitationals

• Physical education class activities, running, swimming, jumping, throwing, catching, etc.

• Performing arts activities and events

• Recess and playground activities, noon hour recreation

• Activities at off-site special events such as museums and other cultural venues

• Travel time to games, events, field trips, etc.

• School altercations