Group Term Life

NASW members under age 70 who are residents of the U.S., its territories and protectorates can apply for coverage up to $150,000. Your spouse or domestic partner under age 70 may also apply for the same coverage amount. Acceptance is subject to approval and may require medical evidence of insurability. 

If you’re under age 60 and diagnosed with a terminal illness (life expectancy of 24 months or less), you can collect up to 50% of your benefits or $100,000, whichever is less. You must have at least $20,000 of coverage and be actively at work to be eligible. Your beneficiary will collect the remainder after your death. 

Yes, your spouse or domestic partner can apply for coverage on their own and will be able to keep their coverage even if you cancel your policy or pass away. Coverage cannot be duplicated by applying as both a member and a spouse/domestic partner. 

Your (and your spouse/domestic partner’s) coverage will become effective on the first day of the month following the Administrator’s approval of your application and first premium payment.

As long as you remain an eligible member, pay your premiums when due, and the Master Policy remains in force, it’s possible to keep this coverage until you reach age 100, although benefit levels are reduced beginning at age 75. Your spouse/domestic partner’s coverage will remain in effect until he or she reaches age 100, as long as your coverage is active, premiums are paid, and they meet the eligibility requirements and continuation provisions are met.

Benefits reduce by 20% at age 75, and continue reducing another 20% at ages 78, 81, and 84. Despite these reductions, coverage can continue until age 100. Rates increase based on your attained age as you enter each new age category. 

You have a 30-day free look period. When you receive your Certificate of Insurance, review it carefully. If you’re not completely satisfied, simply return your Certificate within 30 days for a prompt refund of any premium paid, no questions asked.

The AD&D benefit pays a lump-sum benefit if you or your covered dependents suffer a covered injury from an accident that results in death or certain serious losses.

An Injury means bodily injury resulting directly from an accident and independent of disease or bodily infirmity, which occurs while you and your dependents are covered under the policy.

Suicide is not covered during the first two years of coverage. Benefits paid for death caused by suicide while sane or insane within the first two years of the effective date of insurance are limited to a refund of your premiums paid. During the two years immediately following an increase in coverage, the benefit is limited to an amount equal to the amount of life insurance in force prior to the increase, plus an amount equal to the premium paid for the increase to the date of death. The full Life Insurance Benefit amount for the deceased person is payable if he or she is covered under The Policy and commits suicide after the two-year period.

APPLICABLE TO ALL BENEFITS EXCEPT THE LIFE INSURANCE BENEFIT AND THE ACCELERATED BENEFIT: THE POLICY DOES NOT COVER ANY LOSS BY:

1. intentionally self-inflicted Injury;
2. suicide or attempted suicide, whether sane or insane;
3. war or act of war, whether declared or not;
4. Injury sustained while on full-time active duty of the armed forces (land, water, air) of any country or international authority, except Reserve National Guard Service; We will refund the pro rata portion of any premium paid for You or Your Dependents while You or Your Dependents are in the armed forces on full-time active duty, for a period of two months or more. Written notice must be given to Us within 12 months of the date You or Your Dependents enter the armed forces;
5. Injury sustained while On any aircraft except a Civil or Public Aircraft, or Military Transport Aircraft;
6. Injury sustained while On any aircraft:
   1. as a pilot, crewmember or student pilot;
   2. as a flight instructor or examiner;
   3. 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;
   4. being used for tests, experimental purposes, stunt flying, racing or endurance tests;
7. 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; or the injury results solely from accidental circumstances;
8. Injury sustained while riding or driving, in a scheduled race or testing any Motor Vehicle on tracks, speedways or proving grounds;
9. Injury sustained while committing or attempting to commit a felony; or
10. 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.

Reserve or National Guard Service means:

1. attending or en route to or from any active duty training of less than sixty (60) days;
2. attending or en route to or from a service school of any duration;
3. taking part in any authorized inactive duty training;
4. taking part as a unit member in a parade or exhibition authorized by official orders.

Spouse means your spouse who is not legally separated or divorced from you and is not in active full-time military service. Spouse will include your domestic partner, provided you have executed a domestic partner affidavit satisfactory to us, establishing that you and your partner are domestic partners for purposes of the policy.

If Life Insurance coverage under the policy ends for any reason, except non payment of premium, you and your dependents may have the right to convert that coverage to an individual conversion policy without providing evidence of insurability. Conversion is not available for Accident Death and Dismemberment Benefit or any amount of life insurance for which you or your dependents were not eligible and covered under the policy.

A felonious assault means a violent or criminal act directed at You during the course of:

• a robbery, kidnapping or criminal assault; or
• an attempt at any of the above; which constitutes a felony under the law.

The Felonious Assault Benefit will not pay for a Loss that results from a Felonious Assault committed by a member of the injured person’s family or household, or the injured person’s fellow employee.

Yes. Acceptance into this plan is subject to medical evidence of insurability as determined by The Hartford ¹. Depending on your age, the amount of coverage you request, and your answers on the application, a medical examination, medical test(s), or other evidence of good health may be required. Any exams/test requested by the company will be conducted at your convenience and at no expense to you.

¹The Hartford Financial Services Group, Inc. (NYSE: HIG) operates through its subsidiaries under the brand name, The Hartford, and is headquartered in Hartford, Connecticut. For additional details, please read The Hartford’s legal notice at www.thehartford.com.

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CW Notice of Insurance Information Practices

MA Notice of Insurance Information Practices

Pays 100% of the Principal Sum:

• Loss of life
• Loss of both hands or both feet
• Loss of sight in both eyes
• Loss of one hand and one foot
• Loss of speech and hearing in both ears
• Loss of one hand or foot and sight in one eye
• Complete paralysis of both upper and lower limbs (quadriplegia)

Pays 75% of the Principal Sum:

• Complete paralysis of both lower limbs (paraplegia)
• Complete paralysis of three limbs (triplegia)

Pays 50% of the Principal Sum:

• Complete paralysis of one side of the body (hemiplegia)
• Loss of either one hand or one foot
• Loss of sight in one eye
• Loss of speech or hearing in both ears

Pays 25% of the Principal Sum:

• Complete paralysis of one limb (uniplegia)
• Loss of the thumb and index finger of either hand

A loss must be permanent and irreversible, and is defined as:

• Hands or feet: Complete severance at or above the wrist or ankle
• Sight, speech, or hearing: Total and permanent loss
• Thumb and index finger: Complete severance at or above the finger joints
• Movement: Complete and permanent paralysis of the affected limb(s)

Loss resulting from sickness or disease or medical or surgical treatment of a sickness or disease, is not considered as resulting from Injury.

Benefits are paid after:

• The insurer receives proof of loss, and
• The claim meets the general provisions and terms of the policy

This information explains the general purpose of the insurance described, but in no way changes or affects Master Policy ADD-13265 and ADD-13266 as actually issued. In the event of a discrepancy between this information 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. This program may vary and may not be available to residents of all states.

A.G.I.A., 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. NASW Assurance Services, Inc. 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. Compensation is paid to or retained by the Group Policyholder NASW Assurance Services, Inc. directly or indirectly for services associated with this insurance program.