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Accidental Death &
Dismemberment (AD&D) Insurance Explained
An Accidental Death & Dismemberment (AD&D)
policy offers protection against the financial impact of
accidents, 24 hours a day, sustained anywhere in the world, at
home, office, on vacation, in your car, taxi, bus or a common air
carrier. This type of product provides payments when an insured
suffers accidental death or severe injury. It provides coverage
for loss of life, sight, speech, hearing and dismemberment. In the
event of a loss, an AD&D policy will pay a benefit based on
the principal sum selected.
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How Much Will It Cost?
Click here to download a printable
version (Adobe PDF) of the AIA Trust High Limit Accident Plan rate
chart.
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How Do I Apply for Coverage?
Click Here for a printable application
for AIA Trust High Limit Accident Plan. Please refer to the plan
information below for a complete description of the program.
Applications must be completed, signed and
returned by mail to:
AIA Trust Insurance Program
c/o Affinity Insurance Services, Inc.
300 S. Wacker Dr. 7th Floor
Chicago, Illinios 60606
Or
If you wish, you can contact one of our
representatives directly at the AIA Trust hotline 1-800-255-8215
– Mon-Fri 8AM-5PM Central Time.
Before completing an application, be sure to
review the plan information for eligibility, options and a
complete description of the coverage. This coverage is only
available to active dues paying AIA members.
Coverage cannot be bound or made effective until
review, underwriting and approval of your completed application by
the insurance company. Click here to
view Affinity Insurance Services License Information.
To view the rates and application above, you will
need Adobe® Acrobat® Reader. Adobe®
Acrobat® Reader is a free, and freely distributable
software that lets you view and print Portable Document Format
(PDF) files. Click on the icon below to download a copy.
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Accidents happen!
They occur suddenly and unexpectedly. If you
should suffer an accident resulting in the loss of life, speech,
hearing or dismemberment, would your family have all the financial
help it needs? Help protect yourself and your family against the
unexpected with affordable High Limit Accident coverage.
Why do I need this Plan?
Because the AIA Trust High Limit Accident Plan provides worldwide,
24-hour-a-day protection that can pay benefits of $50,000,
$100,000 or $150,000, (depending on your choice), in addition to
other insurance you may have.
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Am I guaranteed acceptance?
Yes, AIA members under age 60, not confined for medical care or
treatment and working at least 20 hours per week who reside in the
United States*, can automatically be accepted into this plan. No
physical exam is ever required. Coverage will be effective on the
first of the month following receipt of your enrollment form in a
timely manner and provided the first annual premium payment is
received.
*Subject to policy requirements for
eligibility.
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Can my family get protection
under this Plan?
Yes, family coverage can provide security for your loved ones.
Your spouse can be covered up to $100,000.00 in High Limit
Accident coverage if under age 60. Unmarried dependent children
can be covered for up to $15,000.00 of insurance if under 19 years
of age (25 if full-time student) with the same permanent address
as you.
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Am I protected under this
Plan when I'm away from home?
Yes, the AIA Trust Accident Plan pays benefits for any covered
accidental injury, sustained anywhere in the world: at home, at
the office, on vacation, in your car, in a taxi, bus or a
commercial air carrier. You're protected for any covered
accidents, anytime, anywhere.
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Is this Plan renewable?
Yes, you may maintain your AIA High Limit Accident Insurance
coverage until age 70 and as long as you remain an AIA member,
reside in the United States, regularly work at least 20 hours per
week, are not on full-time active duty in the armed forces, pay
your premiums and the Master Policy remains in force. In addition,
your dependents can keep their AIA Trust protection as long as you
are covered by the Plan and they remain eligible dependents.
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Benefits for Accidents
The AIA Trust High Limit Accident Plan pays benefits for the
following occurrences when;
- an insured sustains accidental bodily injury while coverage
is in effect
- the injury directly and independently of all other causes
resulted in loss
- the covered loss occurred within 365 days of date of injury.
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Who is my beneficiary?
You may choose your beneficiary and may change it at any time by
writing to the AIA Trust. Payments for losses other than of your
life will be made to you. The member is automatically the
beneficiary for all insured dependents.
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Benefits Paid
- Loss of Life: 100% of Principal Benefit Amount
- Loss of both hands or both feet, or sight of both eyes: 100%
of Principal Benefit Amount
- Loss of one hand and one foot: 100% of Principal Benefit
Amount
- Loss of speech and hearing: 100% of Principal Benefit Amount
- Loss of either one hand or one foot and sight of one eye:
100% of Principal Benefit Amount
- Loss of either one hand or one foot: 50% of Principal Benefit
Amount
- Loss of sight of one eye: 50% of Principal Benefit Amount
- Loss of either speech or hearing: 50% of Principal Benefit
Amount
- Thumb and index finger of same hand: 25% of Principal Benefit
Amount
Loss of a hand or foot means severance at or
above the wrist or ankle. Loss of sight means total irrecoverable
loss of sight. Loss of thumb and index finger means severance at
or above the metacarpophalangeal joints. Loss of speech or hearing
means total and irrecoverable loss of speech or hearing. Total
amount payable for all covered losses shall never exceed the
principal amount. Benefits cannot be assigned.
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Are there any Plan exclusions
or limitations?
Yes, Accident benefits will not be paid for any loss which is due
to one of the following exclusions: Suicide, attempted suicide, or
intentionally self-inflicted injury, while sane or insane
(Missouri residents: Benefits will not be paid for suicide within
the first two years of coverage if New York Life can show that
suicide was intended at the time of application.); War or any act
of war, declared or undeclared, Active full-time duty while a
member of the military, naval or air force of any country,
combination of countries or international organizations; Illness,
disease, pregnancy (including resulting childbirth or complication
thereof) or infection, except pyogenic infections which shall
occur through an accidental cut or wound; operating, riding in or
descending from any aircraft except when riding as a passenger in
a regularly scheduled flight in a licensed, commercial aircraft.
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What if I have questions
about my Plan?
Just call the TOLL-FREE AIA Trust Hot Line 1-800-255-8215.
Experienced customer service representatives are
on staff to answer your questions. Don't hesitate to give us a
call when you need assistance.
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AIA Trust Accident Plan
Rates
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AIA Trust Accident Plan
Annual Group Rates*
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Cash Benefit
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Member
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Spouse
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All Children
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$15,000
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N/A
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N/A
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$10.20
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$50,000
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$34.00
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$34.00
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N/A
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$100,000
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$68.00
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$68.00
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N/A
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$150,000
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$102.00
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N/A
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N/A
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*Rates do not increase with
age. You cannot be singled out for a rate increase. Your
protection will be terminated at age 70 or retirement, whichever
comes first. Changes to the group policy are subject to
agreement between New York Life and the policyholder. Rates may
be changed by New York Life on any premium due date and on any
date on which benefits are changed. Rates are subject to change
on a classwide basis.
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Click here to download a printable
version (Adobe PDF) of the AIA Trust High Limit Accident Plan rate
chart.
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Administered by
Affinity Insurance Services, Inc.
300 South Wacker Drive, 7th Floor
Chicago, Illinois 60606
1-800-255-8215
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Residents of Florida
Bob Bartee is a licensed Florida Agent for service of Florida
residents.
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Underwritten by
New York Life Insurance Company
51 Madison Avenue
New York, NY 10010
(NAIC #: 66915)
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Please Note:
This brochure contains only a general description of the
principle provisions, definitions and limitations of the proposed
insurance coverage. The complete terms, limitations and conditions
will be as set forth in the master policy (G-29059-3) under policy
form GMR. Your certificate of insurance will summarize the benefit
provisions of the master policy.
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