Accidental Death & Dismemberment

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.

If you are under age 70 and a U.S. resident, you’re guaranteed acceptance with no medical exam or health questions required. Your spouse/domestic partner under age 70 is also guaranteed acceptance. When both spouses are eligible, coverage may not be duplicated by applying as dependents of each other. 

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.

No. Losses caused by:

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

are not covered under the AD&D benefit.

“Injury” means bodily injury resulting directly from accident and independently of disease or bodily infirmity which occurs while you or your dependents are covered under the policy. Loss resulting from:

• sickness or disease, except a pus-forming infection which occurs through an accidental wound; 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

Your coverage will become effective on the first day of the month following the Administrator’s receipt of your enrollment form and first premium payment.

As long as your premiums when due, and the Master Policy remains in force, you can keep this coverage until you reach age 80. Coverage for your spouse/domestic partner terminates when he/she is no longer eligible due to age or marital/domestic partner status, failure to pay premiums, or your coverage ends.

Yes. The Policy does not cover any loss caused or contributed to 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; (We will refund the pro rata portion of any premium paid for You or Your Dependent while You or Your Dependent 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 Dependent enter the armed forces);
5. Injury sustained while On any aircraft:
   • as a pilot, crew member or student pilot;
   • as a flight instructor or examiner;
   • if it is owned, operated or leased by or on behalf of the Policyholder or organization whose eligible persons are covered under The Policy;
   • being used for tests, experimental purposes, stunt flying, racing or endurance tests;
6. 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;
7. Injury sustained while riding or driving in a scheduled race or testing any Motor Vehicle on tracks, speedways or proving grounds;
8. Injury sustained while committing or attempting to commit a felony;
9. Injury sustained while driving 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.

A Common Carrier means a conveyance operated by a concern, other than the Policyholder, organized and licensed for the transportation of passengers for hire and operated by an employee of that concern. Common carrier will not mean any such conveyance which is hired or used for a sport, gamesmanship, content, sightseeing, observatory and/or recreational activity, regardless of whether such conveyance is licensed.

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.

Read the full AGIA privacy policy.