Accidental Death and Dismemberment Insurance

Enroll today to receive up to $250,000.00 in Accidental Death and Dismemberment (AD&D) Insurance, which covers you 24-hours anytime, anywhere in the world.

Because accidents are the fifth leading cause of death for all Americans¹, your union has arranged for members, age 18-69, to purchase up to $250,000.00 of 24-hour, Worldwide AD&D coverage at group rates. You can cover your spouse and children, too.

Click Enroll Now to obtain this valuable coverage.

¹ Injury Facts; 2010 Edition; National Safety Council

BENEFITS AND FEATURES:

1. Up to $250,000.00 of coverage:¹ With Union Labor Life's Accidental Death and Dismemberment coverage, you can rest assured knowing you are covered around the clock in the event of accidental death and dismemberment, anytime, anywhere.² Plus, no medical exam is required to enroll. Coverage is guaranteed.
2. Coverage at group rates: You cannot be singled out for a rate increase. Rates change only if they are changed for everyone insured under the Group Master Policy. Your coverage will continue as long as premiums are paid as agreed and the Group Master Policy is in force.
3. $100,000.00 more for Common Carrier Fatality:² When you purchase coverage, your beneficiary will collect $100,000.00 in addition to your primary benefit for any covered accidental death that occurs while you are a fare-paying passenger on any licensed common carrier, such as an airplane, train, bus or taxi.
4. $50,000.00 more for At-Work Fatality:² When you purchase coverage, your beneficiary will collect $50,000.00 in addition to your primary benefit for any covered accidental death that occurs while you are performing your regularly scheduled union work.
5. $25,000.00 more for Motor Vehicle Fatality:² When you purchase coverage, your beneficiary will collect $25,000.00 in addition to your primary benefit for any covered accidental death that occurs while you are riding in or driving a private passenger vehicle, or as a result of your being struck as a pedestrian.
6. Individual or Family Coverage: You have the option of covering your spouse (age 18-69) for 50% of your Accidental Death benefit, and your unmarried, dependent children under 19 (21 in LA, DC; 25 in NM, TX, and WA) or age 25, if a full-time student, for 10% of your Accidental Death benefit. In IN, your dependent children under age 26 will be insured regardless of marital or student status. When your spouse reaches age 70, coverage will reduce to 50% of the full benefit amount.
7. Accidental Loss and Dismemberment: If you're in a covered accident, but not fatally injured, benefits will be paid for loss of sight, hearing, speech or limbs, ranging from 10% to 100% of the accidental death benefit you choose. Loss must occur within 365 days of the accident.
8. Premium Waived during Strikes and Lock-Outs: Your premiums are waived up to one full year following the start of any union-sanctioned strike or lock-out (not available in all states).
9. Inflation Guard: Benefits increase automatically. That's right.  Every two years, on the anniversary of your Certificate, the original amount of coverage will automatically increase by 5%, until your coverage has increased a full 25%. As long as your Certificate remains in force, there will be no increase in premium for this extra benefit.
10. Your Right to Review: You have 60 days from the date you receive your Certificate to return it. During this time, if you decide you don't want the coverage, all premiums paid will be refunded to you and you'll be under no further obligation.

¹If you are covered by more than one similar Union Labor Life Certificate or Policy, for which you pay premium, your total face amount of Accidental Death benefits cannot exceed $300,000. At age 70, benefits reduce to 50% of the full benefit amount.
²Death must occur within 365 days of the covered accident. Note: Additional benefits for Common Carrier, At-Work and Motor Vehicle fatalities apply to the main insured only. They do not apply to your covered spouse or children. Only one of these benefits, whichever is the greatest, will be paid for these accidents.

EXCLUSIONS:

We pay a benefit if an Injury results in an Insured's loss of life, limb, sight, hearing, or speech. The Injury must occur while this Certificate is in force. The Loss must occur within 365 days of the covered Injury.

This Certificate does not cover loss caused by or resulting from:

1. Intentionally self-inflicted injury, suicide or any attempt at suicide.
2. The voluntary use of drugs, medications or sedatives, unless prescribed by a physician.
3. Being legally intoxicated as defined in the state where the injury occurs.
4. Travel in any non-commercial aircraft.
5. An injury that occurs while the insured is committing or attempting to commit an assault or felony.
6. Sickness, bodily or mental illness.

Exclusions are different in some states, please review the Brochure for complete details of state Exclusions and Limitations.

This is a simplified Description of Benefits. This is not an Insurance Policy or Certificate. Benefits are administered according to the provisions of the Group Master Policy and premiums are charged according to the filed rates. The information contained in this explanation is representative only, and in all cases reference to the Insured’s Certificate of Coverage is required. Some provisions, benefits, exclusions or limitations listed herein may vary depending on state of residence.

Misrepresentations on your application may affect your eligibility for benefits.