Accidental Death & Dismemberment Insurance

Accidents happen!

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.

Benefit Amounts Available

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.

Important Features

Speech and/or Hearing

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.

Seat Belt Benefit

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.

Member Only Plan

You select your Benefit Amount from the "Benefit Selection and Cost" table. You are eligible regardless of your health history.

Family Plan

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:

1. At time of loss the family consists of Member & Spouse AND Dependent Child/ren
   • Member...100%
   • Spouse...40%
   • Each Child...10%
2. At time of loss the family consists of Member and Spouse but NO Dependent Child/ren
   • Member...100%
   • Spouse...50%
3. At time of loss the family consists of Member and Dependent Child/ren but NO Spouse.
   • Member...100%
   • Each Child...15%

Example: The Member selects $150,000 coverage under the Family Plan. The family consists of the Member, Spouse and Children

• Member...$150,000
• Spouse...$60,000
• Each Child...$15,000

The Coverage

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.

The Benefit

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.

Benefit Selection And Cost

BI-WEEKLY COST
FOR MEMBERS UNDER AGE 80*

*Coverage terminates at age 80

Coverage

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.

Exclusions

• No benefits are paid for loss resulting from intentionally self inflicted injury; sickness, disease, or bodily infirmity; commission of a felony; war or act of war, whether declared or not declared; while insured is serving on full time active duty for more than 30 days in any Armed Forces; and air travel by, in or on any device or vehicle except as a passenger in any licensed civilian aircraft or transport aircraft operated by the U.S. Military Airlift Command (MAC) or similar foreign service.
• A complete description of all the exclusions is detailed in the Certificate of Insurance. When you receive your Certificate, please read it carefully for further details on plan exclusions.

Who May Apply For Insurance?

You are eligible if:

• You are an active APWU Member in good standing under age 80
• You are in ACTIVE Service with your employer on a full time basis

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).

State Availability

Coverage is not available to residents of the following territories VI, GU & AS.

When Coverage Begins

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.

Termination Of Insurance

The insurance on a Covered Person will end on the earliest date below:

1. The date this Policy or insurance for a Covered Class is terminated;
2. The date this Policy ends;
3. The next premium due date after the date the Covered Person is no longer in a Covered Class or satisfies eligibility requirements under this Policy;
4. The last day of the last period for which a premium is paid;
5. The next premium due date after the Covered Person attains the maximum Age (80) for insurance under this Policy;
6. The next premium due date after the Member ceases to be a Member in good standing;
7. With respect to a Spouse or Dependent Child, the date of the death of the covered Member or the date of divorce from the Covered Member.

It's Easy To Enroll

1. Simply complete the enrollment form for the desired benefit amount. Click here for an Insurance form. Please make sure you complete all the information requested. An incomplete enrollment form will be returned, resulting in a delay in processing your enrollment form. You may apply for this benefit over the phone!
2. Send no money.
3. Return your enrollment form to: The Voluntary Benefits Plan, P.O. Box 12009, Cheshire, CT 06410 or fax to 1-203-754-7847.

Any Questions?

Call the following toll-free number
1-800-422-4492

Administered by:

The Voluntary Benefits Plan
P.O. Box 12009
Cheshire, CT 06410
Phone: 1-800-422-4492
Fax: 1-203-754-7847

To find out more about your member benefits today, Click Here.