Accidental Death and Dismemberment Insurance

Coverage and Eligibility

The benefit is paid if you suffer any of the losses (within 365 days after the accident) described in the following schedule. If the benefit is paid as a result of death, it is paid to the designated beneficiary. In the event of loss by dismemberment or loss of use, the benefit is paid to you.

Maximum Coverage

Equivalent to Term Life benefit; maximum $1,000,000 for members and $500,000 for spouses.

Monthly Premiums = $0.15 per unit of $10,000

Accidental Loss and Loss of Use Schedule

% of Principal Sum

life 100%
both arms or both legs or feet or sight of both eyes 100%
one hand or foot and sight of one eye 100%
one hand and one foot 100%
speech and hearing 100%
quadriplegia, paraplegia, hemiplegia 200%
one arm or hand or leg or foot 80%
entire sight of one eye 75%
thumb and index finger of one hand 75%
four finger or either hand or hearing in one ear 40%
all toes of one foot 33.3%
critical illness* 10%

In addition, the following benefits may be payable if you are in a covered accident:

repatriation up to $15,000 
spousal retraining  up to $15,000 
day care/education  up to $5,000 / 4 years
bereavement  up to $1,500
funeral expense  up to $5,000
identification  up to $5,000
in hospital  up to $2,500
psychological therapy  up to $5,000
seat belt benefit  10% of the Principal Sum to a max. of $50,000
workplace modification  up to $5,000

The following benefits may be payable if you suffer accidental loss paid under the loss schedule other than death:

rehabilitation up to $15,000 
eyeglasses, contact lense and hearing aid  up to $1,000 
family transportation  up to $15,000
home alteration or vehicle modification  up to $15,000

*Payable if you are diagnosed before age 65 with one of the following diseases at least 90 days after this insurance becomes effective and become totally disabled for a period of nine months. Total Disability is defined as the inability to perform any occupation. Benefits are limited to the first covered critical disease in a person?s lifetime: Poliomyelitis, Parkinson's Disease, Huntington's Chorea, Multiple Sclerosis, Alzheimer's Disease, Type 1 Diabetes (Insulin Dependant), Amyotrophic Lateral Sclerosis (ALS), Peripheral Vascular Disease, Necrotizing Fascitis.

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Limitation and Exclusions

"LOSS OF USE OF" must be total and irrecoverable and must be continuous for twelve consecutive months after which the benefit for Loss of Use is payable, provided damage is deemed (except Critical Illness) to be permanent.

Any loss must be the result of an accident, must occur within 365 days of the accident, and must be complete and irrecoverable.

Payments will be made only for one loss, the greatest sustained as the result of one accident. Losses caused by self inflicted injury including asphyxiation, war, full-time service in the armed forces, medical treatment, or flying (except as a passenger on a valid commercial airline), stroke or cardiovascular events or infections are not covered.

*Notice of a claim must be provided within 30 days of an accident or diagnosis of a critical illness.

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Termination of Coverage

On April 1, coincident with or immediately following attainment of age 66, AD&D benefits will reduce by 50%. Insurance automatically terminates on April 1, coincident with or immediately following age 69.

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Waiver of Premiums

If you become totally and permenantly disabled, premiums will be waived as long as disability contines, but not past age 71. Satisfactory proof of disability must be submitted within one year.

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