Accidental Death and Dismemberment Insurance

As an UFCW member, you are entitled to Accidental Death Insurance at No Cost To You. Members ages 18-75 are approved for $2,000 of protection for non-workplace accidental death that occurs anytime, anywhere in the world, PLUS an additional $10,000 of coverage for accidental death at work or when commuting to or from work. Both of these important benefits are provided to you for one full year.

Click Enroll Now to obtain your no cost accident coverage.¹

Because unintentional injuries are the fifth leading cause of death for all Americans², members ages 18-69 are also eligible to purchase up to $250,000 of additional 24-hour Worldwide Accidental Death and Dismemberment coverage at group rates. You can cover your spouse and children too.

BENEFITS AND FEATURES

1. Additional Coverage¹: In addition to the $12,000 no cost to you coverage, you can purchase Accidental Death and Dismemberment coverage, up to $250,000²;. With this coverage, you can rest assured knowing you are covered around the clock in the event of accidental death, anytime, anywhere. Plus, there is no medical exam to take, coverage is guaranteed to be issued.
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 more for Common Carrier Fatality*: When you purchase additional coverage, your beneficiary will collect $100,000 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 more for At-Work Fatality*: When you purchase additional coverage, your beneficiary will collect $50,000 in addition to your primary benefit for any covered accidental death that occurs while you are performing your regularly scheduled work.
5. $25,000 more for Motor Vehicle Fatality*: When you purchase additional coverage, your beneficiary will collect $25,000 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 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 and Dismemberment benefit, and your unmarried, dependent children under 19 (21 in LA, DC; 25 in NM, TX, WA) or age 25, if a full-time student, for 10% of your Accidental Death and Dismemberment 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 Lockout: A special benefit designed for active union members which pays your premiums for up to a full year in the event of a union-sanctioned Strike or Lockout as a result of a Labor Dispute lasting 30 or more days.
9. Inflation Guard: Benefits increase automatically. That's right, every two years, on the anniversary of your Certificate, the original amount of additional 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. 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. Whatever you decide, your no cost to you insurance benefits remain in force for one year.

¹ If 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 and Dismemberment benefits cannot exceed $300,000.00.
²At age 70, benefits reduce to 50% of the full benefit amount.

*Death 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 benefit, 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 differ in the following states. The amended exclusions shown below replace the corresponding numbered exclusions above:

California:
(5) an injury that occurs while the insured is committing a felony;
Connecticut:
(3) operating a motor vehicle while the Insured is under the influence of alcohol as evidenced by a blood alcohol content level in excess of the state legal limit.
Illinois:
(6) sickness, bodily or mental illness. Exception: Bacterial infection resulting from accidental bodily injury or involuntary or unintentional ingestion of an infectious organism or contaminated substance is covered.
Minnesota:
(1) suicide, or any attempt at suicide;
(2) the voluntary use or taking of any narcotic, barbiturate, or any other drug by the Principal Insured unless taken or used as prescribed by a physician;
(3) any Injury that occurs while the Insured is under the influence of alcohol as evidenced by a blood alcohol level in excess of the state legal intoxication limit while operating a motorized vehicle;
(5) an Injury that occurs while the Principal Insured is committing or attempting to commit a felony;
(7) participation in an organized race or speed contest.
Missouri:
(1) intentionally self-inflicted injury, suicide, or any attempt thereat while sane;
(6) sickness, bodily or mental illness (not including pyogenic infections resulting from accidental bodily injury or bacterial infections resulting from accidental ingestion of contaminated substances).
Montana:
(3) the voluntary use of alcohol which causes the Insured to become legally intoxicated as defined in the state where the Injury occurs.
New Hampshire:
(6) sickness, or bodily illness.
South Dakota:
(2) and (3) an injury that occurs because the insured is under the influence of alcohol or drugs while committing a felony.
Vermont:
(2) and (3) are deleted;
(5) An injury that occurs while committing or attempting to commit a felony;
or
(6) sickness, or bodily illness.

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 enrollment form may affect your eligibility for benefits.