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Accidental Death and Dismemberment Insurance Plan
Building A Stronger Safety Net

Imagine a fatal car accident on the way home from work. If it happened to you, your family may very well need extra money to help make ends meet as they rebuild their lives.

ADD Product Overview

Accidental Death and Dismemberment Insurance Plan

It pays to be a union member, and it pays to have added peace of mind protection with Union Plus. Enroll now to receive up to $20,000* of our No Cost To You Accidental Death Insurance Coverage provided exclusively by Union Plus for one full year. No medical exam needed for guaranteed acceptance accident insurance coverage. Opt for even greater protection up to $200,000* at affordable group rates - just for union members and their families - because in case of a covered accidental death, your family may need the added financial protection.

Accidental Death and Dismemberment Insurance

Overview

About Accidental Death and Dismemberment Insurance

Losing a loved one is not only a personal loss but a financial one as well. Accidental Death and Dismemberment (AD&D) coverage provides a benefit if you die or lose a limb, sight or are paralyzed as a result of a covered accident. This coverage is guaranteed acceptance and is available to union members for less than you may think.

NO-COST TO YOU ACCIDENTAL DEATH INSURANCE FOR UNION MEMBERS

Enroll today to receive up to $20,000 in Accidental Death Insurance and Accidental Death and Dismemberment Insurance coverage.

There's no charge or commitment required for you to receive this coverage:

  • $10,000 of coverage for death due to any type of covered accident at home, at work or while commuting or traveling elsewhere in the world.
  • PLUS $10,000 of additional coverage against accidental death from a covered accident at your workplace.
  • Already have accident insurance? This no-cost to you accidental death insurance will increase the amount your beneficiaries will receive by up to $20,000 if you were to have a fatal motor vehicle or pedestrian accident. This accidental death insurance coverage will pay in addition to any other insurance you may already have. Get your no-cost to you coverage for one full year today!

INSURANCE ELIGIBILITY:

  • No-cost to you coverage eligibility is for union members only, ages 18 and over.
  • Enhanced coverage eligibility
  • Union members and spouse or domestic partner ages 18 and over.
  • Spouse or domestic partner and children can be combined into one family policy with member.
  • All active members, associate members, former members, employees and retirees and their legal spouses (not legally separated or divorced from the member), of an Adopting Union of the Policyholder who reside in the United States, are eligible to enroll.
  • Dependent children are covered to age 19 (25 if full-time student).
  • Available in most states and the District of Columbia - not available in Canada or U.S. territories. Temporarily not available in Idaho, Oregon and West Virginia.

 

Form 7582 A2 (9920)

Rates

Union Plus AD&D Insurance Rates

ACCIDENTAL DEATH & DISMEMBERMENT COVERAGE MONTHLY RATES

 

Coverage Level

Member Coverage

Family Coverage

 

$25,000

$3.27

$4.00

 

$50,000

$5.24

$6.70

 

$75,000

$7.21

$9.40

 

$100,000

$9.19

$12.10

 

$125,000

$11.16

$14.80

 

$150,000

$13.13

$17.50

 

$175,000

$15.10

$20.20

 

$200,000

$17.07

$22.90

 

All coverage is reduced by 50% at age 70 and older. This reduction also applies even if you have attained the age of 70 when you first obtain coverage. Rates and/or benefits may be changed on a class basis.

If you select a credit card or checking/savings (ACH), as your payment method, your premiums will be charged monthly. For direct billing (paper bill) you will be billed quarterly.

Rates shown are countrywide except for Washington. See Washington AD&D Insurance rates, please call 1-800-393-0864.

Spouse/domestic partner benefit is 50% of union member's selected benefit; children's coverage is 10% of union member's selected coverage.

 

Form 7582 A2 (9920)

Frequently Asked Questions

COVERAGE AND DEPENDENT QUESTIONS:

WHY DO I NEED ACCIDENTAL DEATH AND DISMEMBERMENT INSURANCE?

Consider what would happen if you died as a result of an accident. Accidental death and dismemberment coverage helps provide your family financial relief if you are involved in an accident that results in death or dismemberment. Even with an employer-sponsored life insurance plan, oftentimes, you may need more coverage if you should lose your life in an accident. This plan provides coverage to what you may already have at a reasonable cost.

HOW IS ACCIDENTAL DEATH AND DISMEMBERMENT COVERAGE DIFFERENT FROM LIFE INSURANCE?

While life insurance typically provides benefits to an individual's family no matter how a death occurs, accidental death and dismemberment coverage provides benefits to victims and their family only in the case of an accident - for example, a car accident or a work accident. It does not provide benefits, for instance, for individuals who die naturally or due to an illness.

And unlike life insurance, accidental death and dismemberment coverage provides benefits if the insured loses a limb, speech, hearing or sight from a covered accident.

WHAT IS A "COVERED ACCIDENT"?

A covered accident is an accident that occurs while the person is covered under the policy and which has an Injury and Loss as a direct result (independent of all other causes). Loss resulting from: a) sickness or disease, except a pus-forming infection which occurs through an accidental wound; or b) medical or surgical treatment of a sickness or disease, is not considered as resulting from Injury.

WHAT DOES "BASE BENEFIT AMOUNT" MEAN?

"Base benefit amount" is the amount you want your beneficiaries to receive in case of accidental death. It is called "base benefit amount" because, depending on the type of accident, your beneficiaries could receive benefits.

Example 1 : If an accidental death results from an accident at work, your beneficiary would receive the base benefit amount plus $20,000. If you purchased a base benefit amount of $100,000 of Enhanced coverage, your beneficiary would receive $170,000($100,000 base benefit amount + $50,000 accidental death at work + $20,000 no-cost to you coverage*).

Example 2 : If an accidental death results from a motor vehicle accident or as a pedestrian, your beneficiary would receive the base benefit amount plus $25,000. If you purchased a base benefit amount of $100,000 of Enhanced coverage, your beneficiary would receive $135,000 ($100,000 base benefit amount + $25,000 for motor vehicle accidental death + $10,000 no-cost to you coverage*).

"As a reminder - Union Members will need to re-enroll the No Cost To You coverage on an annual basis."

WHAT DOES "COMMON CARRIER" MEAN?

Common Carrier refers to any mode of transportation operated by a business, other than the Policyholder, organized and licensed for the transportation of passengers for hire and operated by an employee of that business.

WHAT DOES "INJURY" MEAN?

Injury means bodily injury resulting directly from an accident and independent of all other causes. Loss resulting from sickenss or disease, or medical or surgical treatment of a sickness or disease, is not covered. The accident must occur while you are covered under the policy.

HOW MUCH INSURANCE DO I NEED?

The amount of insurance you need depends on your personal situation, including marital status, number of children, etc. You may wish to consult a personal financial advisor.

WHAT MAKES UNION PLUS DIFFERENT?

Union Plus exclusively serves the needs of union members and their families by providing group insurance at specially negotiated rates. Unlike many other plans, the Union Plus plan offers:

  • Inflation guard - your base benefit amount increases automatically to help keep your benefit amount in line with the increasing cost of living. This benefit increases for a maximum of 10 years, up to 125% of the Principle Sum.
  • Waiver of premium payment - you may not have to pay your premium for up to one year during a union-sanctioned strike or lockout lasting 30 days or more. May not be available for all unions or in all states.
  • Coverage for members ages 18 and over - the Union Plus plan covers you as long as you remain a U.S. resident, pay your premiums and the master policy remains in force. Coverage for your eligible dependents remains in effect until your coverage ends or they no longer qualify as eligible dependents.

IS THE $20,000 NO-COST TO YOU COVERAGE DIFFERENT FROM THE ENHANCED COVERAGE?

Yes. The no-cost to you coverage provides $10,000 of coverage for death due to any type of a covered accident at home, at work or while commuting or traveling anywhere in the world.

PLUS $10,000 of coverage against accidental death from a covered accident in your workplace. This no-cost to you coverage is available to union members only.

The Enhanced coverage pays additional benefits. It pays up to $200,000 base benefit amount for loss of life due to accidental injury. Coverage for the loss of a limb, speech, hearing or sight ranges from 100% to 25% of the base benefit amount, depending on the type of loss. Enhanced coverage offers optional coverage for family members, which includes spouse or domestic partner and children.

WHAT DOES THE ENHANCED COVERAGE INSURE FOR?

Enhanced coverage provides:

  • Larger base benefit amounts - $25,000 to $200,000
  • Coverage for family members - spouse/domestic partner and children

Other benefits:

  • An $100,000 for accidental death while riding as a passenger on any common carrier, such as, an airplane, train, bus or taxi.
  • An $50,000 for workplace accidental death.
  • An $25,000 for accidental death resulting from a motor vehicle accident or as a pedestrian.

Inflation guard - your base benefit amount increases automatically to help keep your benefit amount in line with the increasing cost of living. This benefit increases for a maximum of 10 years, up to 125% of the Principle Sum.

Strike waiver of premium - premium will be waived for up to one year during a union-sanctioned strike or lockout lasting 30 days or more. May not be available for all unions or in all states.

WHAT IS THE "INFLATION GUARD"?

The inflation guard or anti-inflation benefit is applicable only to the Enhanced Accidental Death and Dismemberment benefit, not the no-cost to you coverage. If you sustain an Injury which results in death and a Principal Sum (base benefit amount) is payable under the Accidental Death and Dismemberment Benefit, we will pay an inflation adjustment in addition to the Principal Sum.

The anti-inflation benefit will be the amount of your Principal Sum, at the time of the claim, multiplied by 2.5% for every year of continuous coverage you have been covered under the Policy (to a maximum of 10 years and subject to a maximum of 25%).

If you purchase coverage, the anti-inflation benefit will be applied separately to your Principal Sum for each amount applied for. If coverage is reduced, any anti-inflation benefit which was increased will be reduced proportionately. The amount of the Principal Sum is indicated in Your Schedule.

For example, in 2010, you enroll in $20,000 no-cost to you coverage and purchase an $100,000 in Enhanced coverage, the Principal Sum. In 2012, you are involved in an accident at work that results in death, so the anti-inflation benefit will be calculated as follows: 5% x $100,000 (Principal Sum) = $5,000. At the time the claim was paid, your beneficiary would receive $175,000 (the Principal Sum $100,000 + the anti-inflation benefit $5,000 + $50,000 Workplace benefit + $20,000 No-Cost To You coverage*).
Remember to re-enroll your No-Cost To You Coverage yearly.

DOES THE NO-COST TO YOU COVERAGE PAY IN ADDITION TO THE ENHANCED COVERAGE?

Yes, if you are enrolled in the no-cost to you coverage and the Enhanced coverage at the time of the fatal accident, the beneficiary will receive benefits from both coverages.

IS FAMILY COVERAGE AVAILABLE?

Yes, but only when you purchase the enhanced coverage. The family plan option covers the spouse/domestic partner and children for an additional charge. The "no-cost to you coverage" is for union members only.

CAN MY SPOUSE AND CHILDREN RECEIVE THE SAME COVERAGE AMOUNT AS ME, THE UNION MEMBER?

If you purchase Family Coverage, spouse/domestic partner benefit is 50% of the insured's benefit, and each child is covered for 10% of the insured's benefit.

WHAT IS THE POLICY REVIEW PERIOD?

Members have 60 days to review the Certificate of Insurance. If you change your mind within that time you are entitled to a full refund of premium, less any claim paid during the first 60 days.

WHEN DOES COVERAGE BECOME EFFECTIVE?

For the no-cost to you benefit, the coverage is effective the first day of the month following receipt of the enrollment form. This date appears on the certificate you will receive by mail. For the enhanced coverage, coverage is effective the first day of the month following receipt of the enrollment form and payment of the premium.

WHAT HAPPENS WHEN AN INSURED IS INVOLVED IN AN ACCIDENT BUT DEATH DOESN'T OCCUR RIGHT AWAY?

The benefit will be paid if death occurs as a result of the accident within 365 days of the accident.

ARE NEWBORN AND ADOPTED CHILDREN COVERED?

Yes, they are automatically covered as dependents for 31 days after birth or adoption. After 31 days coverage continues once you notify the insurer and the premiums are paid - or automatically if you have already purchased family coverage.

CAN DOMESTIC PARTNERS BE COVERED?

Yes. Domestic Partner means the Eligible Person's Domestic Partner of the same or opposite sex who: a) is mentally competent and is at least 18 years of age; b) is not a blood relative any closer than would prohibit legal marriage; c) has shared the Eligible Person's permanent residence or has resided with the Eligible person for more than 6 months; d) shares joint responsibility with the Eligible Person which is evidenced to us by submission of proof of at least two of the following: 1) common ownership of real property or a common leasehold interest in such property; 2) common ownership of a motor vehicle; 3) joint bank accounts or credit accounts; 4) designation as a beneficiary for life insurance or retirement benefits, or under the partner's will; 5) assignment of a durable Power of Attorney or Health Proxy to one another; or 6) any other proof that would be sufficient to us to establish economic dependence on one another; and e) has signed a notarized affidavit, acceptable to us, with the Eligible Person. A Domestic Partner does not qualify as a Domestic Partner under this policy if he or she: a) has signed a Domestic Partner affidavit or declaration with any other person within 12 months prior to designating a Domestic Partner under this policy; b) is currently legally married to another person; or c) has any other Domestic Partner, Spouse or Spouse equivalent of the same or opposite sex.

IF THE PRIMARY INSURED DIES, CAN A SPOUSE OR DOMESTIC PARTNER CONTINUE COVERAGE?

Yes.

CAN CHILDREN BE COVERED IF THE UNION MEMBER IS DIVORCED?

Yes, children can be covered even if the insured doesn't have custody, as long as the children are primarily dependent on the union member for support and maintenance.

WILL THE BENEFITS WITHIN THE POLICY EVER CHANGE?

Yes, benefits reduce by half when you reach age 70. Premiums will remain the same.

WHY DO BENEFITS REDUCE AT AGE 70?

In order to provide reasonable rates for the largest number of union members, it is necessary to either reduce coverage or increase premiums for certain groups.

DOES THIS COVERAGE PAY IF AN INSURED IS HOSPITALIZED FOR AN ACCIDENT?

No, this coverage pays only for accidental death or dismemberment, not for hospital cost.

WHAT EXACTLY DOES DISMEMBERMENT MEAN?

For purposes of this policy, it means the loss of either one or both hands, thumb or index finger on either hand, feet, arms or legs, eyes, speech or hearing. Dismemberment benefits are a percentage of the base benefit amount, depending on the Loss.

 

Insured Person
Under Age 70

Insured Person
Age 70 and Over

Covered Spouse
Under Age 70

Covered Spouse
Age 70 and Over

Covered
Child

Life

100%

50%

50%

25%

10%

Both Hands or Both Feet or Sight of Both Eyes

100%

50%

50%

25%

10%

One Hand and One Foot

100%

50%

50%

25%

10%

Speech and Hearing

100%

50%

50%

25%

10%

Either Hand or Foot and Sight of One Eye

100%

50%

50%

25%

10%

Either Hand or Foot

50%

25%

25%

12.5%

5%

Sight of One Eye

50%

25%

25%

12.5%

5%

Speech or Hearing

50%

25%

25%

12.5%

5%

Thumb and Index Finger of Either Hand

25%

12.5%

12.5%

6.25%

5%

WHAT DOES "LOSS" MEAN?

Loss means, with regards to hands and feet, actual severance through or above wrist or ankle joints; with regard to sight, speech or hearing, entire and irrecoverable loss thereof; with regard to thumb and index finger, actual severance through or above the metacapophalangeal joints.

WHAT IF DEATH OCCURS FROM CANCER OR OTHER CATASTROPHIC ILLNESS?

The coverage pays only for death due to accidents. It does not pay for death by natural causes such as cancer, old age, sickness or disease.

WHAT DOES THE STRIKE/LABOR DISPUTE WAIVER OF PREMIUM MEAN?

If an insured is in a lawful, authorized strike by a union or is locked out as a result of a dispute between the union and employer, the insured doesn't have to pay premiums on this coverage for up to one year. Waiver may not be available in all states or for all unions.

HOW DOES THE STRIKE/LABOR DISPUTE WAIVER OF PREMIUM WORK?

Premiums will be waived beginning with the first premium due date following a strike or lock out. Premium payments will be waived for up to one year, but will resume on the earliest of the following:

  • One year from when the strike or lockout began.
  • The next premium due date after resolution.
  • Next premium due date after return-to-work offer, or
  • Next premium due date after employment is terminated.

WHAT IS THE PROCESS FOR GETTING THE PREMIUM WAIVED?

The insured must provide written proof of strike or lock out before wavier of premium begins. It can be a note from the union or a note from the insured with a newspaper article, verifying the sanctioned strike or lock out.

BENEFICIARY QUESTIONS:

IS IT MANDATORY TO NAME A BENEFICIARY?

No. If no beneficiary is named, death benefits owed will be paid to the deceased's estate.

CAN THERE BE MORE THAN ONE BENEFICIARY?

Yes.

CAN BENEFICIARIES BE CHANGED?

Beneficiaries may be changed at any time by calling 1-800-393-0864.

CAN THERE BE DIFFERENT BENEFICIARIES FOR THE NO-COST AND EXPANDED COVERAGE?

No.

EXCLUSION QUESTIONS:

WHAT DOESN'T THE POLICY COVER?

To see under what circumstances this policy would not pay benefits please view the Terms tab for full list of exclusions.

DOES A MEMBER WHO LEAVES THE UNION LOSE HIS COVERAGE?

If your union notifies us in writing that you have left the union for reasons other than retirement, the coverage will be terminated.

IS COVERAGE AVAILABLE FOR FORMER UNION MEMBERS?

Yes. All active members, associate members, former members, employees and retirees of an Adopting Union of the Policyholder who reside in the United States.

RATE QUESTIONS:

IS THERE A LOWER RATE FOR JUST COVERING SPOUSE OR CHILDREN?

No. There is a family rate that includes the member and both spouse and children.

CAN THE INSURED CHANGE THE AMOUNT OF COVERAGE AND WHO IS COVERED UNDER THE PLAN?

Yes. You may make changes to your coverage by contacting the Customer Service Department at 1-800-393-0864.

CAN COVERAGE BE PAID BY CREDIT CARD?

Yes. You may choose this as your payment option during the enrollment process.

IS AUTOMATIC CHECKING-ACCOUNT DEDUCTION AVAILABLE?

Yes. You may choose this as your payment option during the enrollment process.

 

Form 7582 A2 (9920)

Accidental Death & Dismemberment Insurance Terms & Conditions

EXCLUSIONS: THE POLICY DOES NOT COVER ANY LOSS CAUSED OR CONTRIBUTED BY:

  • intentionally self-inflicted Injury, suicide or attempted suicide, whether sane or insane;
  • war or act of war, whether declared or not;
  • Injury sustained while On any aircraft except a Civil or Public Aircraft, or Military Transport Aircraft;
  • Injury sustained while On any aircraft: a) as a pilot, flight instructor or examiner-except while performing the duties of a pilot or crewmember of a commercial aircraft; b) if it is owned, operated or leased by or on behalf of the Policyholder, or any employer or organization whose eligible persons are covered under the policy;
  • Injury sustained while taking drugs, including but not limited to sedatives, narcotics, barbiturates, amphetamines, or hallucinogens, unless as prescribed by or administered by a Physician;
  • Injury sustained while committing or attempting to commit a felony; or
  • Injury sustained while Intoxicated. Intoxicated means: 1) the blood alcohol content; 2) the results of other means of testing blood alcohol level; or 3) the results of other means of testing other substances; that meet or exceed the legal presumption of intoxication, or under the influence, under the law of the state where the accident occurred.

Your coverage for Voluntary Plans may terminate on the earlier of: a) the date the Policy is terminated; b) the date You request that a Voluntary Plan be terminated; c) the date You cease to be a resident of the United States or d) the Premium Due Date on which You fail to pay any required premium for a Voluntary Plan, subject to the Individual Grace Period Provision.

Termination: You and your spouse's coverage as an Insured Person under the Basic Plan terminates on the earlier of: a) the date the policy is terminated; or b) the date You cease to be a resident of the United States; b) the date the Policyholder terminates coverage under the Basic Plan or ceases to pay the required premium.

Member and family coverage for Voluntary Benefits terminates on the earlier of: a) the date the Policy is terminated; b) the date you request that Voluntary Benefits be terminated; c) the date You cease to be a resident of the United States or d) the Premium Due Date on which you fail to pay any required premium for Voluntary Benefits, subject to the Individual Grace Period Provision. Benefits reduce by 50% at age 70.

ELIGIBILITY LIMITATION: A Covered Person cannot be covered under more than one certificate or Policy which contains a Basic Plan of Accidental Death Insurance, issued by Us to the Policyholder.

Policyholder: AFL-CIO Mutual Benefit Fund. Form 7582 A2 (9920). In CA: Association Group Insurance Administrators, License #0155705. J. Christopher Burke CA Insurance License #0F709407. J. Christopher Burke AR Insurance License #8876308.

Underwritten by: Hartford Life and Accident Insurance Company, Hartford, CT 06155.

AGIA, Inc. is the Plan Administrator that administers the insurance plan on behalf of the Hartford Life and Accident Insurance Company for the benefit of the Group Policyholder.

Union Privilege is compensated for the placement of insurance and for the services it provides to customers on behalf of the insurance company, in addition to other compensation it may receive.

This is a participating group policy under which dividends and/or experience credits may be paid to the group policyholder.

This web site explains the general purpose of the insurance described, but in no way changes or affects the Master Policy (ADD-9920) as actually issued. In the event of a discrepancy between this web site and the policy, the terms of the policy apply. All benefits are subject to the terms and conditions of the policy. Policies underwritten by Hartford Life and Accident Insurance Company detail exclusions, limitations, reduction of benefits and terms under which the policies may be continued in full or discontinued. Complete details are in the Certificate of Insurance issued to each insured individual and the Master Policy issued to the policyholder. Benefits may vary and this program may not be available to residents of all states or in all unions.

The Hartford® is The Hartford Financial Services Group, Inc., and its subsidiaries, including issuing company Hartford Life and Accident Insurance Company.

AGIA is a member of the Better Business Bureau

Form 7582 A2 (9920)

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