ACCIDENTAL
DEATH & DISMEMBERMENT
Accidents Happen …
… Be Prepared
Up to $250,000 of Protection at Affordable Group Rates
Protect
your family against the losses that may result from an Accident.
There are no health questions and your premium does not go up
with age. Acceptance is automatic!
For
the wise man or woman, inexpensive Accidental Death and Dismemberment
(AD&D) insurance provides security and peace of mind. When
income is lost because of covered accidental injury or death,
AD&D provides a monetary bridge for families to get them through
the troubled times. It can help compensate for a major decline
in lifestyle and income as a result of a covered injury or it
can provide a critical source of emergency funds to survivors
in the event of an accidental death.
Accidental
Death and Dismemberment insurance offers the extra coverage you
and your family need to meet and overcome sudden unexpected problems.
Up
to $250,000 of Coverage!
You and your spouse are eligible to enroll in the USDA/ESRA sponsored
AD&D plan for benefits up to $250,000 at very affordable rates!
Under this plan you are covered 24-hours a day anywhere in the
world, whether you are at home, at work, or on vacation. You are
also covered when traveling on business or for pleasure, including
when you are flying as a passenger (but not as a crew member or
pilot) on any commercial aircraft licensed to carry passengers,
except aircraft owned, leased or operated by or on behalf of your
employer. Each of your children may also be insured for AD&D
benefits. And these benefits are payable in addition to any other
insurance you have.
Worldwide
Assistance
Emergency assistance is only a phone call away when you're traveling
100 miles or more from your home. Through Worldwide Assistance
Services, Inc., you and your family will have toll-free access
to emergency services 24 hour a day, 365 days a year. Services
include Emergency Personal Services and Pre-Trip Information.
Additional
Benefits
The following benefits are designed to provide you and your family
with extra protection and are payable in addition to AD&D
benefits.
Double
Benefits for Common Carrier
If you or your covered dependents are injured while riding as
a passenger on a common carrier, the amount of principal sum payable
under the AD&D benefit will be doubled, to a maximum of $250,000.
A common carrier is a vehicle operated by a business organization
and licensed to transport passengers for hire, and operated by
an employee of that business.
Seat
Belt Benefit
If you suffer a loss payable under the Accidental Death and Dismemberment
Benefit, the plan will pay an additional benefit of 10% of the
AD&D benefit amount payable, to a maximum amount of $10,000
if injury occurred: while you were a passenger in or the licensed
operator of a registered automobile and while wearing a Seat Belt,
as verified in the police accident report. This benefit does not
cover loss if you are operating the automobile under the influence
of any intoxicant, excitant, hallucinogen, narcotic or other drug,
or similar substance as verified in the police accident report.
Permanent
Total Disability Benefit
Pays a monthly benefit of 1% of the AD&D benefit amount, less
any amount payable under the Accidental Death and Dismemberment
Benefit, if you provide written proof that you were Totally Disabled
from an Injury you received prior to age 70, the disability began
within 365 days of the accident, the disability continued without
interruption for 12 months and is expected to continue uninterrupted
throughout the covered person's lifetime. Totally Disabled means
your inability to perform the material and substantial duties
of any occupation for which you are suited by education, training
and experience.
Education
Benefit
If your spouse and/or children are covered under this plan and
the AD&D benefit is payable because of your or your covered
spouse's death, the plan will pay an Education Benefit to each
eligible dependent child who qualifies. To receive this benefit,
an eligible dependent child must show proof that on the date of
your death he or she was enrolled as: a full time post-high school
student in a school for higher learning; or a student in 12th
grade and, within 365 days, enroll as a full-time post-high school
student in a school for higher learning.
The
Education Benefit will be the lesser of 2% of your AD&D benefit
amount or $2,500. This benefit is payable every year in which
an eligible dependent child meets the above definition for up
to 4 consecutive years, provided the dependent child submits proof
of his or her student status each year. If an Education Benefit
would be payable, but no person qualifies as a student, the plan
will pay $1,000 to your beneficiary.
Spouse
Education Benefit
If your spouse is covered under this plan and the AD&D benefit
is payable because of your death, the plan will pay an Education
Benefit to your spouse. This benefit will be the lesser of the
Expense Incurred for Occupational Training, or $3,500. To qualify
for this benefit, your spouse must enroll in an Occupational Training
Program for the purpose of earning an independent income. Enrollment
must take place within one year of your death, and expenses must
be incurred within two years of your death.
Common
Disease Benefit
If both you and your spouse die as a result of Injuries received
in the same accident and the AD&D benefit is payable for each
death, the benefit for your spouse will be increased to equal
your AD&D benefit amount to a maximum combined benefit of
$500,000.
Who
is Eligible?
All active members of the USDA and their lawful spouses who are
under 70 are eligible to enroll in this plan. You may also insure
your unmarried dependent children who are under age 19 (age 25
if they are full-time students at school and primarily dependent
upon you for support). If your spouse is also an eligible member
and you both enroll, you cannot be dependents under each other's
coverage. Children will be considered eligible dependents of both
spouses.
Benefits
for Accidental Death and Dismemberment
If any of the following losses result from an Injury sustained
in an accident, and the loss occurs within 365 days after that
accident, this plan will pay:
FOR
LOSS OF: Benefit Amount
Life - 100%
Both Hands or Both Feet or Sight of Both Eyes - 100%
One Hand and One Foot - 100%
Either Hand or Foot and Sight of One Eye - 100%
Speech and Hearing in both ears - 100%
Movement of both Upper and Lower Limbs (Quadriplegia) - 100%
Movement of both Lower Limbs (Paraplegia) - 75%
Movement of both Upper and Lower Limbs On One Side of the Body
(Hemiplegia) - 50%
Either Hand or Foot - 50%
Sight of One Eye - 50%
Speech or Hearing in both ears - 50%
Thumb and Index Finger of either Hand - 25%
The
total limit of liability for any one person for all losses due
to the same accident will not be more than 100% of the benefit
amount.
Your
Annual Premiums
Principal
Sum |
Member |
Member
& Spouse |
Member,
Spouce & Children |
Member
& Children |
$
25,000 |
15.00 |
26.50 |
27.75 |
16.25
|
$
50,000 |
30.00 |
53.00 |
55.50 |
32.50
|
$100,000 |
60.00 |
106.00 |
111.00 |
65.00
|
$150,000 |
90.00 |
159.00 |
166.50 |
97.50 |
$200,000 |
120.00 |
N/A |
N/A |
N/A |
$250,000 |
150.00 |
N/A |
N/A |
N/A |
When
you choose to protect your whole family, your spouse may be covered
for either 100% or 50% of your benefit. Each dependent child will
be covered for 10% of your benefit amount.
The
benefit amounts shown will be reduced to 70% of the original amount
at age 70; to 45% at age 75; 30% at age 80; and to 15% of the
original amount at age 85.
Exclusions
Loss resulting from sickness or diseases, or medical or surgical
treatment of a sickness or a disease, is not covered. Loss caused
by any of the following events is not covered: (a) Intentionally
self-inflicted injury, suicide or attempted suicide, whether sane
or insane (in Missouri, while sane); (b) War or act of war, whether
declared or not; (c) Injury sustained while full-time in the armed
forces of any country or international authority; (d) Injury sustained
while riding on any aircraft, unless it's a civilian or public
aircraft, or military transport aircraft; (e) Injury sustained
while riding on any aircraft as a pilot, crew member, student
pilot, flight instructor or examiner; (f) Injury sustained while
riding on any aircraft owned, operated or leased by or for the
policyholder or any employer or organization whose eligible persons
are covered under the policy; (g) Injury sustained while voluntarily
taking drugs which federal law prohibits dispensing without a
prescription, including sedatives, narcotics, barbiturates, amphetamines,
or hallucinogens, unless the drug is taken as prescribed or administered
by a licensed physician; (h) Injury sustained while committing
or attempting to commit a felony; (i) Injury sustained as a result
of being legally intoxicated from the use of alcohol.
Effective
Date of Coverage
Your coverage will become effective on the later to occur: the
Policy Effective date or the first day of the month on or next
following the date your enrollment form and premium payment are
received. Dependent coverage goes into effect on the date you
become insured; on the first day of the month following receipt
of your dependent's enrollment form; or on the date they become
eligible, whichever is latest.
Coverage
will continue as long as the group policy remains in effect, you
remain a member of the association and you make premium payments.
In addition, coverage for your spouse and dependent children will
terminate when you cease to be insured or they are no longer eligible.
Beneficiary
Benefits for loss of your life will be paid to the beneficiary
you have designated. If you have not designated a beneficiary,
the life benefit will be paid in equal shares to the first of
your survivors in the following order:
(1)First
to your spouse
(2)Second, to your children
(3)Third, to your parents
(4)fourth, to your brothers and sisters
If there are no survivors in these classes, payment will be made
to your estate. Benefits for loss other than life will be paid
to you, and all dependent benefits are payable to you.
How
to Enroll
Complete the enrollment form and mail it with a check made payable
to Plan Administrator to:
Mass
Benefits
Consultants, Inc.
P.O. Box 828
Annandale, VA 22003-0828
Administered
by:
Mass
Benefits Consultants, Inc.
P.O. Box 828
Annandale, VA 22003-0828
Call
toll-free 1-800-221-3083
Underwritten
by
Hartford
Life Insurance company
Hartford Plaza
Hartford, Connecticut 06115
Based
on assets, Hartford life is the nation's 3rd largest life insurance
organization and the fastest-growing major life insurance group
of the decade.*
*Based
on year-end asset data from Townsend & Schupp, 1989 and Sheshunoff
Information Services, 1998.
This
program is not available in all states or to residents of foreign
countries. Please contact your plan administrator for more details.
This
brochure explains the general purposes of the insurance described,
but in no way changes or affects the policy as actually issued.
In the event of any discrepancy between this brochure and the
contract, the terms of the policy apply. Complete details are
in the Certificate of Insurance issued to each insured individual.
Rates may be changed on a class basis.