Voluntary Benefits Plan is pleased to introduce a new benefit program now being provided to all dues paying APWU members**. Beginning immediately, each and every member is covered under this new program at NO cost to you.
The new program provides the following coverage:
Identity Theft Protection
Accidental Death and Dismemberment Insurance
The Voluntary Benefits Plan is providing this coverage to you at no cost. We have worked very closely with the American Postal Workers Union since 1986, making sure that our Active, Retired, Associate and Private Sector members have easy access to many great quality benefits programs at low group rates. Simply mention to the plan administrator that you are a member of the American Postal Workers Union and describe the service that you require. Should you have any questions on how to access these valuable benefit programs, please contact the Voluntary Benefits Plan by calling our toll-free number, 1-800-422-4492 or contact the plan administrator NUFIC by calling 1-800-626-2427.
Identity Theft – “Identity Theft” means the creation of one or more new financial service accounts, or new identities in public records (such as a driver’s license) or elsewhere, by a third party in the name of and without the knowledge of the victim, to commit fraud or other crimes and/or to disguise the third party’s true identity. An Eligible Person will receive Service due to an Identity Theft that occurs while the policy is in effect.
Identity Theft Customer Service Center – Identity Theft Customer Service Center means that live, trained identity theft service representatives will answer Eligible Persons’ calls on a 24 X 7 basis. Service representatives will provide assistance to the Eligible Person in restoring his/her identity by educating the Eligible Person on the process required, providing pertinent contact information for the credit reporting agencies, Federal Trade Commission and other organizations as indicated. Service representatives will collect all required data to document the service call and provide follow up.
Identity Theft Recovery Kit - Identity Theft Recovery Kit means a booklet that explains in detail the process of identity theft recovery, and also includes form letters that can be sent to credit bureaus, financial institutions and government agencies to assist an Eligible Person in combating identity theft.
III. DESCRIPTION OF SERVICES
The following Services will be provided to Eligible Person(s):
As used herein, “Restoration Services” consists of one or more of the following services to be performed for an Eligible Person in the event of an Identity Theft or Account Takeover that first occurs while the policy is in effect:
Provide Eligible Person with a package of information which includes a description of the resolution process, educational articles, and guidance for avoiding future complications.
Notify the three major credit bureaus, and the Eligible Person's affected creditors, financial institutions, and utility providers of the identity fraud.
Provide assistance with filing a police report.
When appropriate, provide assistance with requesting that a fraud alert be placed on the Eligible Person’s credit files and affected credit accounts.
When necessary, notify merchants that a fraudulent transaction occurred.
When appropriate, collect information regarding misuse of the Eligible Person’s accounts.
Create and maintain a case file to document the identity fraud.
Review the Eligible Person’s credit files with the Eligible Person to determine the accuracy of the file and potential areas of fraud.
When appropriate, provide assistance with obtaining and reviewing the Eligible Person's Social Security Personal Earnings and Benefits Statement.
Provide information to the Federal Trade Commission and to other government agencies as appropriate.
Research and investigate potential damage to Eligible Person's identity.
Other assistance as the Company might reasonably be able to offer Eligible Persons on a case by case basis as determined by the provider of the Services in its sole discretion.
The Company reserves the right to suspend, curtail, or limit any or all of the Services at any time in the event of war, riot, insurrection, opposition by legal and administrative authorities of the country in which the Identity Theft or Account Takeover occurs or acts of God. The Company will, however, provide services to the best of its ability during such occurrence.
The Company reserves the right to suspend, curtail, or limit any or all of the Services at any time with written notice to the policyholder or the participating organization if the Company determines that to provide or continue to provide the Services would put the Company in violation of any applicable laws, regulations or ordinances.
The Company assumes no responsibility for any advice or counsel given by the service representatives or other persons contracted for the described Services. The Eligible Person shall not have any recourse to Company by reason of its suggestion of such service representatives or other persons or due to any legal or other determination resulting there from.
The Company shall be subrogated, up to the value of the Services it has provided, to the rights and causes of action of the Eligible Person against any party responsible for Identity Theft or Account Takeover or any acts or omissions related thereto for which the Company renders assistance or for any other matter for which the Company incurs costs in providing Services under this Agreement.
Restaurant referrals and reservations - Worldwide dining referrals and reservations made on behalf of the customer, based on availability.
Event Ticketing - Assistance with obtaining tickets to sporting, theater, concert and other events, based on availability.
Ground transportation coordination – Coordination of car or limo arrangements including transportation to and from the airport, hotel, meetings and more.
Golf tee time reservations and referrals - Assistance with scheduling tee times and making course recommendations, based on availability.
Wireless device assistance - Assistance with cell phones, personal digital assistants (PDAs) and other wireless devices, such as locating carrier stores, technicians, repair shops, replacement services when device is lost, stolen, or inoperable
Latest worldwide weather and ski reports - 24/7 update on destination weather as well as ski conditions throughout the world
Floral Services - Coordination of flower delivery for birthdays, anniversaries, holidays and other special occasions.
Private air charter assistance - Coordination with Private air charters to gain access, availability and booking.
Cruise charter assistance - Assistance with establishing availability and booking of cruise charters.
Latest sports scores - 24/7 updates on sports scores.
Find, wrap, and deliver one-of-a-kind gifts - Assistance in finding unique gifts for friends and family, including gift wrapping and delivery
Movie and theater information- Assistance with obtaining information about movie or theater events playing within a specific area. Travel Assist also obtains the tickets to theater or movie events, based on availability.
Latest stock quotes - Up-to-the-minute stock quotes
Special occasion reminders and gift ideas - Never miss a birthday, anniversary or special day while traveling. All special occasions are kept within Travel Guard Client Services database and a reminder is sent 48 hours prior to the day. Coordination of finding unique gifts for friends and family, including gift wrapping and delivery are included.
Lottery results - Up-to-the-minute lottery results
Local activity recommendations - Worldwide local activity referrals and reservations made on behalf of customer, based on availability
$1,500 Accidental Death and Dismemberment Benefit Plan
Accidental Death Benefit - If Injury to the Insured Person results in death within 365 days of the date of the accident that caused the Injury, the Company will pay 100% of the Principal Sum.
Accidental Dismemberment Benefit - If Injury to the Insured Person results, within 365 days of the date of the accident that caused the Injury, in any one of the Losses specified below, the Company will pay the percentage of the Principal Sum shown below for that Loss:
For Loss of………………………Percentage of Principal Sum
Both Hands or Both Feet………………………………….. 100%
Sight of Both Eyes……………………………………….... 100%
One Hand and One Foot…………………………………... 100%
One Hand and the Sight of One Eye……………………... 100%
One Foot and the Sight of One Eye………………………. 100%
Speech and Hearing in Both Ears………………………… 100%
One Hand or One Foot……………………………………... 50%
Sight of One Eye………………………………………….... 50%
Speech or Hearing in Both Ears…………………………... 50%
Thumb and Index Finger of Same Hand…………………. 25%
“Loss” of a hand or foot means complete severance through or above the wrist or ankle joint. “Loss” of sight of an eye means total and irrecoverable loss of the entire sight in that eye. “Loss” of hearing in an ear means total and irrecoverable loss of the entire ability to hear in that ear. “Loss” of speech means total and irrecoverable loss of the entire ability to speak. “Loss” of thumb and index finger means complete severance through or above the metacarpophalangeal joint of both digits.
If more than one Loss is sustained by an Insured Person as a result of the same accident, only one amount, the largest, will be paid.
Injury - means bodily injury: (1) which is sustained as a direct result of an unintended, unanticipated accident that is external to the body and that occurs while the injured person’s coverage under the Policy is in force, and (2) which directly (independent of sickness, disease, mental incapacity, bodily infirmity or any other cause) causes a covered loss.
Exposure and Disappearance - If by reason of an accident occurring while an Insured Person’s coverage is in force under the Plan, the Insured Person is unavoidably exposed to the elements and as a result of such exposure suffers a loss for which a benefit is otherwise payable under the Policy, the loss will be covered under the terms of the Policy.
If the body of an Insured Person has not been found within one year of the disappearance, forced landing, stranding, sinking or wrecking of a conveyance in which the person was an occupant while covered under the Policy, then it will be deemed, subject to all other terms and provisions of the Policy, that the Insured Person has suffered accidental death within the meaning of the Policy.
Continuation of Eligibility - If premium payments are continued on a basis that precludes individual selection, an Insured who ceases to be a member of any eligible class of persons as described above may still be regarded as in an eligible class of persons as follows: (1) if the Insured is on temporary lay-off or leave of absence (other than an authorized family or medical leave), for the full period of the lay-off or leave, but not for more than three months in a row; or (2) if the Insured is absent from work due to an authorized family or medical leave, for the full period of the leave, but not for more than three months in a row unless a longer period is agreed to by the Company and the Policyholder.
Limitation on Multiple Benefits - If an Insured Person suffers one or more losses from the same accident for which amounts are payable under more than one of the following Benefits provided by the Policy, the maximum amount payable under all of the Benefits combined will not exceed the amount payable for one of those losses, the largest: Accidental Death Benefit or Accidental Dismemberment Benefit.
Reduction Schedule - The amount payable for a loss will be reduced if an Insured Person is age 70 or older on the date of the accident causing the loss with respect to any Benefit provided by the Plan where the amount payable for the loss is determined as a percentage of his or her Principal Sum. The amount payable for the Insured Person’s loss under that Benefit is a percentage of the amount that would otherwise be payable, according to the following schedule:
“Age” as used above refers to the age of the Insured Person on the Insured Person’s most recent birthday, regardless of the actual time of birth.
No coverage shall be provided under the Plan and no payment shall be made for any loss resulting in whole or in part from, or contributed to by, or as a natural and probable consequence of any of the following excluded risks even if the proximate or precipitating cause of the loss is an accidental bodily Injury:
**The Member Assistance Plan is currently not available to residents of Minnesota.
Underwritten by National Union Fire Insurance Company of Pittsburgh, PA.
Policy : SRG 9115521
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