Accidents can happen and they may occur suddenly and unexpectedly. If you should suffer an accident resulting in the loss of life, speech, hearing or dismemberment, would your family have the financial help it needs? Help protect yourself and your family against the unexpected with this economical Accidental Death and Dismemberment coverage, underwritten by Life Insurance Company of North America.
As an APWU member, you are eligible to enroll for Accidental Death & Dismemberment insurance in amounts of $30,000 to $300,000 in increments of $30,000.
In addition to protection for accidental loss of life and limbs, you are also covered for loss of speech and/or hearing. You receive the Principal Sum for the loss of both, and half the Principal Sum for the loss of one or the other.
You select your Benefit Amount from the "Benefit Selection and Cost" table. Active APWU members are eligible regardless of your health history.
If you wish to insure your eligible spouse and/or Domestic Partner (under age 80) and/or dependent child/ren under the Family Plan, the amount of insurance applicable to members of the family is based on the composition of the family at the time of loss and is expressed as a percentage of the covered Member's principal sum amount as follows*:
*See Schedule of Covered Losses for specific details.
Example: The Member selects $150,000 coverage under the Family Plan. The covered family consists of the Member, Spouse and Children. If the Member, Spouse or Child suffers a covered loss of life, the following benefits would be paid to that Member, Spouse or Child:
"Loss" means with regard to hand or foot complete severance through or above the wrist or ankle joint; loss of an arm or leg means complete severance through or above the elbow or knee joint; loss of an eye means total and irrecoverable loss of sight; loss of speech means complete inability to communicate audibly in any degree; loss of hearing means irrecoverable loss of hearing which cannot be corrected by any hearing aid or device; loss of thumb and index finger means severance of each through or above the joint closest to the wrist.
Bi-Weekly Cost for APWU MembersFor Members Under Age 80*
Covered Accident: A sudden, unforeseeable, external event that results, directly and independently of all other causes, in a Covered Injury or Covered Loss and meets all of the following conditions: 1. occurs while the covered person is insured under this Policy; 2. is not contributed to by disease, Sickness, mental or bodily infirmary; 3. is not otherwise excluded under the terms of this Policy.Automobile: means a self-propelled, private passenger motor vehicle with four or more wheels which is a type both designed and required to be licensed for use on the highway of any state or country. Automobileincludes, but is not limited to, a sedan, station wagon, sport utility vehicle, or a motor vehicle of the pickup, van, camper, or motor-home type. Automobile does not include a mobile home or any motor vehicle which is used in mass or public transit.
If a covered person dies as a result of an injury caused by a covered automobile accident, the seatbelt benefit will be paid if all of the following are met: 1. If Loss of Life benefits are payable; 2. The coveredperson was properly wearing a seatbelt at the time of the accident; 3. Death occurs within 365 days of thedate of the covered accident; and 4. Due written proof is given. The amount of the seat belt benefit will bethe lesser of $30,000 or 10% of the loss of Loss of Life benefit.
You are eligible if:
You may also apply to insure your eligible lawful Spouse and/or Domestic Partner (under age 80) and dependent Children.
"Dependent Child" is defined as your unmarried child typically from birth to age 19, (25 years if a full-time student at an accredited school or college) who lives with you and primarily relies upon you for support. (Subject to any state variations).
Your coverage will become effective on the first payday the following written notification the premium is deducted from your paycheck during your lifetime. You must be actively at work on that day, otherwise coverage is effective the day you return to work.
Applicable benefits for your eligible Spouse and Children will also become effective on that pay day.
The insurance on a Covered Person will end on the earliest date below:
The Voluntary Benefits PlanP.O. Box 12009Cheshire, CT 06410Phone: 1-800-422-4492Fax: 1-203-754-7847
THE INSURANCE ADVERTISED IS A GROUP ACCIDENT ONLY POLICY. IT DOES NOT PAY BENEFITS FOR LOSS CAUSED BY SICKNESS. THIS IS A LIMITED POLICY.
Terms and conditions of coverage are set forth in group policy number AK050461, on policy formGA-00-01000.00 issued in DE to the Voluntary Benefits Plan Insurance Trust, a copy of which maybe obtained from Alliant Services Houston listed within. For a full description of benefits, pleasereview the Certificate of Insurance that is issued to persons who have purchased the coverage. Thismaterial is for illustrative purposes only and provides a brief description of the benefits available.It is not a contract. If there are any differences between the information provided in this materialand the Group Policy, the information in the Group Policy will prevail. No one can be covered morethan once under this policy. Plan provisions and availability may vary by state. Availability of thisoffer may change. Premiums are subject to change. Licensed Resident Agent of Record—Florida:Christine Carolyn Wise.
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Offered By: Alliant Services Houston