MCA&F Accidental Death & Dismemberment - mca

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Accidental Death & Dismemberment

How prepared are you for an accident? Add up to $200,000* of Coverage

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Accidental Death & Dismemberment (AD&D) Plan

Accidents are one of the leading causes of death in our nation1. But have you taken steps to prepare for when you may be in an accident?

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Overview

Cash Benefits To Help Your Loved Ones Rebuild Their Lives – With Dignity and Independence

No one expects to be in an accident. But the truth is: Accidents happen all around us. On the road. At home. On the job. And on vacation.

Try as you might, you cannot be sure you will ALWAYS be safe. But you CAN help make sure your family is protected if an accident happens to you.

The MCA&F Accident Plan stands by your side with up to $200,000.00* in cash coverage ... to help pay groceries and other bills while your family rebuilds their lives … to help take care of the mortgage or medical bills.

Up to $200,000 in GUARANTEED ACCEPTANCE Coverage – With NO Medical Exam Required Because a safety net can be so important, the Marine Corps Association and Foundation made sure you cannot be turned down as long as you and your spouse (if spouse is applying) are under age 70 and reside in the U.S.

It doesn't matter what your current health is. Even if you're on Active Duty in the military. Just complete the enrollment form and you're in – GUARANTEED ACCEPTANCE - Enroll Now!

 

Your Satisfaction 100% Guaranteed

You are under no obligation when you enroll for up to $200,000.00 cash coverage in the MCA&F AD&D Insurance Plan. There's no obligation with the 30-Day Satisfaction Guarantee.

As soon as you sign up, we'll mail your Certificate of Insurance outlining the full terms and conditions of this exclusive Marine Corps Association and Foundation program. Take up to 30 days to look it over. If it isn't what you had in mind, mail back the Certificate for a 100% refund; minus any claims paid.

 

No Proof of Good Health Needed

There are no long forms to "prove" you qualify for this valuable Marine Corps Association and Foundation endorsed coverage. We simply need to know which benefit level you'd like and whether you want coverage for "just you" or "you and your spouse."

Your coverage starts on the first day of the month following receipt of your Enrollment Form and first premium payment. Once your MCA&F Accident coverage is in force, you cannot be singled out for cancellation or a rate increase. Plus, you can keep your coverage until age 80 as long as the Master Policy remains in force, you pay the premiums and you remain a Member of the Marine Corps Association and Foundation.

 

*At age 70, or if you are already age 70, all coverage is reduced by 50%, and an additional 50% at age 75.

 

Underwritten by Hartford Life and Accident Insurance Company, Simsbury, CT 06089

The Hartford® is The Hartford Financial Services Group, Inc., and its subsidiaries, including issuing company Hartford Life and Accident Insurance Company.

 

Accident Form Series includes GBD-1000, GBD-1300, or state equivalent.

Benefits

Up to $200,000.00** In World-Wide, 24 Hour Accident Protection

In your car. At home. On the job. On vacation. You're protected wherever you go ... every minute of every day for covered accidents.

UP TO $200,000.00** IN BENEFITS PAID TO YOUR FAMILY if you fall victim to a covered fatal accident. You could be walking down the street … fall from a ladder … driving in your car … or taking a cross-country trip.

This coverage isn't just for you. Your covered spouse is guaranteed acceptance up to 50% of your coverage. Family coverage for children is $10,000.

Percent Applicable to:

Insured Person With Covered:* * Spouse Each Child
Spouse, but no covered Child 50 % 0 %
Spouse and Child(ren) 40 % $10,000
Child(ren), but no covered Spouse 0 % $10,000
*As determined on the date of accident.

 

DOUBLE Benefits for a Covered Accident on an Airplane, Bus, Train or Taxi if you or your covered spouse die due to a covered accident

UP TO $400,000.00** PAID TO YOUR LOVED ONES if you or your covered spouse die due to a covered accident on a Common Carrier such as a bus, train, ferry, plane, taxi, subway or cruise ship.

If something happens to you, your spouse may very well decide to go back to school to train for a higher-paying career. So MCA&F's AD&D Insurance Plan stands by your family with an added spouse education benefit. If your covered spouse enrolls as a student within a year of your death, the MCA&F Accident Plan will pay an education benefit for the next two years. This benefit will be either $3,000.00 or 1% of your base coverage, whichever is less.

Of course, your Marine Corps Association and Foundation Accident benefits are paid regardless of any other insurance you may have. And activating this safety net is easy. There is NO physical exam. NO health questions. NO long forms to fill out. Just tell us which coverage level you'd like and whether you want coverage for "just you" or "you and your spouse" and we'll get everything set up right away.

ACCIDENTAL DEATH AND DISMEMBERMENT BENEFIT: If your Injury results in any of the following losses within 365 days* after the date of accident, we will pay the sum shown opposite the Loss in the Loss Table shown below. We will not pay more than the Principal Sum for all losses due to the same accident.

 

FOR LOSS OF: % OF PRINCIPAL SUM:
Life 100%
Both Hands or Both Feet or Sight of Both Eyes 100%
One Hand and One Foot 100%
Speech and Hearing in Both Ears 100%
Either Hand and Sight of One Eye 100%
Either Foot and Sight of One Eye 100%
Either Hand or Foot 50%
Sight of One Eye 50%
Speech 50%
Hearing in Both Ears 50%

 

*The 365 day loss period for Loss of Life Only is not applicable to residents of Pennsylvania. For Oregon residents the Loss of Life must be at least 180 days.

**Accidental Death Benefit Reduction on and after Age 70: On the Premium Due Date on or next following an Insured Person's attainment of age 70, his or her amount of Principal Sum will reduce by 50%, and an additional 50% at age 75. The reduced amount will be determined by multiplying the Amount of Principal Sum shown in the Schedule and applicable to the Insured Person by 50%.

Underwritten by: Hartford Life and Accident Insurance Company, Hartford, CT 06155

 

Accident Form Series includes GBD-1000, GBD-1300, or state equivalent.

Monthly Premium Level Benefit Rates

Accidental Death And Dismemberment Rates:

Coverage Option & Benefit $100,000* $200,000*
Member Only $5.50 $11.00
Member & Spouse $8.25 $16.50
Member plus Family $8.25 $16.00

 

Your premium notice will reflect a $2.00 administration fee per quarterly bill payable to plan administrator.

This Accident Plan is extended ONLY to Members of the Marine Corps Association and Foundation (and their spouses), we offer you affordable group rates through your membership in this plan. Rates and/or benefits may be changed on a class basis.

Underwritten by: Hartford Life and Accident Insurance Company, Hartford, CT 06155

*At age 70, or if you are already age 70, all coverage is reduced by 50%, and an additional 50% at age 75.

Accident Form Series includes GBD-1000, GBD-1300, or state equivalent.

Why is Accident Protection especially important for MCA&F Members?

Because according to the National Safety Council*, motor vehicle crashes are a leading cause of accidental death for all ages. And because most of us drive every day, locking in solid accident protection just makes extra sense.

Is this Program limited to ONLY on-the-road accidents?

Not at all! You're protected in your car … at home … on the job … on a business trip … on vacation – anywhere you might be. Because a covered accident can happen when you least expect it … or in a common carrier like an airplane, bus, taxi, train, cruise ship, or ferry.

How does this MCA&F Program work with the other insurance I already have?

Your MCA&F benefits are paid REGARDLESS of any other insurance. You receive your full amount regardless of any other coverage you may now have in force.

*National Safety Council Injury Facts, 2014 ed.

Accident Form Series includes GBD-1000, GBD-1300, or state equivalent.

Terms

EXCLUSIONS:

The policy does not cover any loss resulting from:

  1. 1. intentionally self-inflicted Injury, suicide or attempted suicide,whether sane or insane (In Missouri while sane);
  2. 2. war or act of war, whether declared or undeclared;
  3. 3. Injury sustained while riding on any aircraft except a Civil or Public Aircraft, or Military Transport Aircraft;
  4. 4. Injury sustained while riding On any aircraft as a pilot or crew member; or
  5. 5. Injury sustained while voluntarily taking drugs which federal law prohibits dispensing without a prescription,including sedatives, narcotics, barbiturates, amphetamines, or hallucinogens, unless the drug is taken as prescribed or administered by a licensed physician For Washington Residents, Exclusion 5. is deleted in its entirety);
  6. 6. Injury sustained while committing or attempting to commit a felony (For Maryland Residents, Exclusion 6. is deleted in its entirety);
  7. 7. Injury sustained as a result of being legally intoxicated from the use of alcohol. (For residents of Minnesota, Exclusion 7. is deleted and is replaced by the following: 7. Injury sustained while operating a motor vehicle while legally intoxicated from the use of alcohol; For South Dakota residents, exclusion 7. is deleted in its entirety and is replaced by the following: 7. Injury sustained as a result of being legally intoxicated from the use of alcohol and committing an illegal act at the time of loss; For Washington Residents, Exclusion 7. is deleted in its entirety); and
  8. 8. a physical or mental illness, or treatment of that sickness.

Member and spouse's coverage terminates on the earlier of: the date the policy is terminated; or the date You attain the Policy Age Limit of 80; or the required premium contribution is not made, subject to the Grace Period; or the date You cease to be a member in good standing with the Policyholder. Spouse's coverage terminates the date he or she ceases to qualify as an Eligible Dependent.

Injury means bodily injury resulting directly from accident and independently of all other causes which occurs while the Covered Person is covered under the policy. Loss resulting from:

  1. a) sickness or disease, except a pus-forming infection which occurs through an accidental wound; or
  2. b) medical or surgical treatment of a sickness or disease; is not considered as resulting from Injury.

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.

Loss means, with regard to hands and feet, actual severance through or above wrist or ankle joints; with regard to sight, speech or hearing, entire and irrecoverable loss thereof; with regard to thumb and index finger, actual severance through or above the metacarpophalangeal joints.

Loss of Use means total paralysis of an Entire Limb or Limbs which: has continued without interruption for a period of not less than 12 consecutive months; and is determined by competent medical authority to be permanent, complete and irreversible.

THIS IS ACCIDENT ONLY COVERAGE.

The Hartford® is The Hartford Financial Services Group, Inc., and its subsidiaries, including issuing company Hartford Life and Accident Insurance Company.

This information explains the general purpose of the insurance described, but in no way changes or affects Master Policy ADD-11116 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.

New York residents. This policy provides ACCIDENT insurance only. It does NOT provide basic hospital, basic medical or major medical insurance as defined by the New York State Department of Financial Services.

IMPORTANT NOTICE — THIS POLICY DOES NOT PROVIDE COVERAGE FOR SICKNESS.

AGIA, Inc. is the Plan Administrator and Insurance broker that administers the insurance plan on behalf of the Hartford Life and Accident Insurance Company for the benefit of the Group Policyholder. AGIA, 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.

Endorsed by: MCA&F

Underwritten by Hartford Life and Accident Insurance Company, Hartford, CT 06155

The Hartford® is The Hartford Financial Services Group, Inc., and its subsidiaries, including issuing company Hartford Life and Accident Insurance Company.

John B. Wigle, License No. 0482924

MCA&F Insurance Program Administered by:
A.G.I.A., Inc.
PO BOX 26610
Phoenix, AZ 85068

Accident Form Series includes GBD-1000, GBD-1300, or state equivalent.

Accident Form Series includes GBD-1000, GBD-1300, or state equivalent.

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Enroll for $200,000* AD&D Insurance Coverage

After enrollment, you will receive an official Certificate of Insurance outlining the full terms and conditions of the MCA&F endorsed Accident Insurance Plan. You have up to 30 days to look it over. Mail back the certificate for a 100% refund minus any claims paid. You are under no obligation today because you're fully backed by a 100% Satisfaction Guarantee.

*At age 70, or if you are already age 70, all coverage is reduced by 50%, and an additional 50% at age 75.

Policy ADD-11116 and Form 7582 A2 (11116)

Not Available in all states

 

Questions? Call MCA&F's Customer Service and Claims Phone number at 1 (888) 611-6010.