The cascading effects of death or serious injury due to an accident are devastating on so many levels, including financial. The loss of income plus the cost of medical care that is not covered by health insurance could add up to a nearly insurmountable burden.
The Accidental Death & Dismemberment (AD&D) provides added coverage for death, severe injury, or other conditions resulting from an accident.
With the Premium or Platinum Membership a $25,000 AD&D benefit is included as part of your membership dues.
Fortunately, Benefits USA can help you to safeguard against the financial risk associated with death or dismemberment due to accidents. IBAPA can offer their members AD&D Insurance coverage at competitive group rates, issued by The Prudential Insurance Company of America (Prudential).
Choose one of our membership plans which includes AD&D coverage of $25,000.
Schedule of Benefits:
Principal Sum - Member | $25,000 | ||
---|---|---|---|
Loss: which occurs within 365 days of accident: | % of Principal Sum | ||
Loss of Life | 100% | ||
Loss of the Entire Sight of Both Eyes | 100% | ||
Loss of Speech and Hearing | 100% | ||
Loss of Both Hands or Both Feet | 100% | ||
Loss of One Hand and One Foot | 100% | ||
Loss of One Hand or One Foot and Sight of One Eye | 100% | ||
Quadriplegia | 100% | ||
Triplegia | 75% | ||
Loss of One Arm or One Leg(by severance, above the elbow or above the knee) | 75% | ||
Paraplegia | 75% | ||
Loss of Sight of One Eye | 50% | ||
Loss of Speech | 50% | ||
Loss of Hearing in Both Ears | 50% | ||
Loss of One Hand or One Foot | 50% | ||
Hemiplegia | 50% | ||
Uniplegia | 25% | ||
Loss of Thumb & Index Finger of Same Hand | 25% | ||
Loss of Four Fingers of the Same Hand | 25% | ||
Loss of Hearing in One Ear | 25% | ||
Loss of All Toes on One Foot | 13% | ||
Loss of Big Toe | 5% | ||
Loss of Use* (which occurs within 365 days of accident) of One Hand [or One Foot/or One Arm/ or One Leg] | 25% | ||
Coma | The lesser of 2% per month and $1,000 up to 100 months; after 100 months a lump sum equal to 100% of the Amount of Insurance minus the amount already paid for Coma. | ||
Exposure and Disappearance "Benefit"** | % of Principal sum consistent with type of loss |
*Loss of Use: The total and permanent loss of function.
**For the purposes of the Coverage: (1) Exposure to the Elements will be considered an accidental bodily Injury. Exposure to the Elements means exposure to severe hot or cold weather that results in actual significant physical injury including sun stroke, heat stroke and frostbite. (2) It will be presumed that the person has suffered a Loss of life if the person's body has not been found within one year of disappearance, stranding, sinking or wrecking of any vehicle in which the person was an occupant. No more than your Amount of Insurance under this Coverage at the time of the accident will be paid for all Losses resulting from Injuries sustained in that accident. Not all such Losses are covered. See Losses Not Covered below.
Not for residents of Alaska, Arkansas, Colorado, Delaware, Idaho, Maine, Maryland, Montana , New Hampshire, North Carolina, New Mexico, Pennsylvania, Oregon, South Dakota, Texas, Utah, Vermont, Washington, West Virginia
Not for use in Alaska, Arkansas, Colorado, Delaware, Idaho, Maine, Maryland, Montana , New Hampshire, North Carolina, New Mexico, Pennsylvania, Oregon, South Dakota, Texas, Utah, Vermont, Washington, West Virginia
Prudential, the Prudential logo, and the Rock Symbol are service marks of Prudential Financial, Inc., and its related entities, registered in many jurisdictions worldwide.
This Accidental Death and Dismemberment coverage is not health insurance coverage (often referred to as “Major Medical Coverage”).