They occur suddenly and unexpectedly. If you should suffer an accident resulting in the loss of life, speech, hearing or dismemberment, would your family have all the financial help it can get? Help protect yourself and your family against the unexpected with high-limit, affordable Accidental Death and Dismemberment coverage.
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 full Benefit Amount for the loss of both, and half the Benefit Amount for the loss of one or the other.
We will pay an additional accidental death benefit per covered person of up to 10% of the covered person's full benefit amount subject to a maximum of $30,000 if you and/or an insured family member dies within 365 days as a result of a covered accident while driving or riding in a private passenger car equipped with seat belts and the seat belt was in actual use and properly fastened at the time of the accident, as certified in the police accident report.
You select your Benefit Amount from the "Benefit Selection and Cost" table. You are eligible regardless of your health history.
If you wish to insure your eligible spouse (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 your Benefit Amount as follows:
Example: The Member selects $150,000 coverage under the Family Plan. The family consists of the Member, Spouse and Children
The Plan offers full 24-hour insurance protection against covered accidents anywhere in the world, on or off the job, on business-vacation-at home. While covered, bodily injuries suffered by the insured must be as a direct result and from no other cause than from the covered accidents that results in loss of life. Please be sure to review the enclosed materials for more information on what is and is not covered.
If injuries result in death or dismemberment, within 365 days from the date of a covered accident, which occurs while you are insured, the plan will pay as follows:
"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 COSTFOR MEMBERS UNDER AGE 80*
The plan offers full 24-hour protection against accidents anywhere in the world, on or off the job, on business-vacation-at home. While covered, bodily injuries suffered by the insured must be as a direct result and from no other cause than from the covered accident that results in loss of life. Please be sure to review all materials for more information on what is and is not covered.
You are eligible if:
You may also apply to insure your eligible lawful Spouse (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).
Coverage is not available to residents of the following territories VI, GU & AS.
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:
Call the following toll-free number1-800-422-4492
The Voluntary Benefits PlanP.O. Box 12009Cheshire, CT 06410Phone: 1-800-422-4492Fax: 1-203-754-7847
To find out more about your member benefits today, Click Here.