Yes, membership is required in order to be eligible for any products offered on this page. Some products allow you to enroll your spouse/domestic partner or family as well, where they do not need to be a member themselves.

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.

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.

No. Losses caused by:

• Sickness or disease
• Medical or surgical treatment of a sickness or disease

are not covered under the AD&D benefit.

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. 

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. 

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. 

You can choose a monthly benefit between $100 and $1,200, based on your income and eligibility. Benefits replace up to 75% of your pre-disability earnings.

Benefits begin after a 28-day elimination period (28 consecutive days of total disability).

The Extended Plan offers longer benefit periods for certain disabilities.

For disabilities caused by an injury:

Before age 63: Benefits continue to age 65

Ages 63–69: Benefits last up to the earlier of 2 years or age 70

For disabilities caused by sickness:Benefits last up to the earlier of 5 years or age 70