Senior Accidental Death Insurance

Coverage

You can purchase $25,000 to $100,000 base benefit amount of coverage, and you automatically receive the following benefits.

Benefit Selections	OPTION A $24.80 per month	OPTION B $12.40 per month	OPTION C $6.20 per month
All-Cause Accidental Death Benefit	$100,000	$50,000	$25,000
+ 50% additional "seat belt" benefit*	$50,000	$25,000	$12,500
+ DOUBLE "common carrier" benefit (bus, train, plane, taxi, subway, etc.)	$100,000	$50,000	$25,000
Benefit Amounts Do Not Decrease Due To Age	Total this plan pays up to: $200,000	Total this plan pays up to: $100,000	Total this plan pays up to: $50,000

*The seat belt benefit is not payable for accidents which occur while on a Common Carrier.

Rates and/or benefits may be changed only on a class basis. You cannot be singled out for a rate increase for any reason, including change in health or employment.

UNION PLUS SENIOR ACCIDENTAL DEATH COVERAGE BENEFITS

Accidental Death Benefit - $25,000 to $100,000 in $1,000 increments if member or dependent sustain an injury that results in loss of life within 365 days of the date of covered accident.

Common Carrier Benefit - Double the principal sum if injury occurs while the insured is on a common carrier, not to exceed $300,000.

Seat Belt Benefit - $50% of principal sum minimum $1,500 and maximum $75,000 if the member or dependent sustains an injury that results in a Loss payable under the Accidental Death Benefit, member will receive an additional Seat Belt Benefit if the Injury occurred while the injured person was:
1) a passenger riding in; or
2) the licensed operator of;
a properly registered Motor Vehicle and was wearing a Seat Belt at the time of the accident as verified on the police accident report.

60-DAY SATISFACTION GUARANTEE

Upon enrollment into this insurance plan, you'll receive a Certificate of Insurance. You have up to 60 days from the Effective Date to review your Certificate of Insurance without any obligation. If you do not like what you see, simply return the Certificate of Insurance within that timeframe, and any premiums paid will be refunded. Hassle free.

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

Rates

Union Plus Senior Accidental Death Insurance Rates

ACCIDENTAL DEATH COVERAGE MONTHLY RATES

	Option A $100,000	Option B $50,000	Option C $25,000
SELF	$24.80	$12.40	$6.20
SPOUSE/DOMESTIC PARTNER	$24.80	$12.40	$6.20

Rates and/or benefits may be changed only on a class basis. You cannot be singled out for a rate increase for any reason, including change in health or employment.

If you select a credit card or checking/savings (ACH), as your payment method, your premiums will be charged monthly. For direct billing (paper bill) you will be billed quarterly.

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

Frequently Asked Questions

Coverage and Dependent Questions:

WHY DO I NEED SENIOR ACCIDENTAL DEATH INSURANCE?

Consider what would happen if you died as a result of an accident. Senior Accidental Death coverage helps provide your family financial relief if you are involved in an accident that results in death. Even with an employer-sponsored life insurance plan, oftentimes, you may need more coverage if you should lose your life in an accident. This plan provides coverage to what you may already have at a reasonable cost.

HOW IS SENIOR ACCIDENTAL DEATH COVERAGE DIFFERENT FROM LIFE INSURANCE?

While life insurance typically provides benefits to an individual's family no matter how a death occurs, Senior Accidental Death coverage provides benefits to victims and their family only in the case of an accident - for example, a car accident or a work accident. It does not provide benefits, for instance, for individuals who die naturally or due to an illness.

WHEN DOES MY COVERAGE GO INTO EFFECT?

Your coverage goes into effect on the first of the month following receipt of your enrollment form and first premium payment. Once activated, coverage is effective as long as the Master Policy remains in force and you pay your premium when due

WHAT DOES "INJURY" MEAN?

Injury means bodily injury resulting directly from an accident and independent of all other causes. Loss resulting from sickenss or disease, or medical or surgical treatment of a sickness or disease, is not covered. The accident must occur while you are covered under the policy.

WHAT DOES "COMMON CARRIER" MEAN?

Common Carrier refers to any mode of transportation operated by a business, other than the Policyholder, organized and licensed for the transportation of passengers for hire and operated by an employee of that business.

HOW MUCH INSURANCE DO I NEED?

The amount of insurance you need depends on your personal situation, including marital status, number of children, etc. You may wish to consult a personal financial advisor.

WHAT MAKES UNION PLUS DIFFERENT?

Union Plus exclusively serves the needs of union members and their families by providing group insurance at specially negotiated rates. Unlike many other plans, the Union Plus plan offers:

• Waiver of premium payment - you may not have to pay your premium for up to one year during a union-sanctioned strike or lockout lasting 30 days or more. May not be available for all unions or in all states.
• Coverage for members ages 50 and over - the Union Plus plan covers you as long as you remain a U.S. resident, pay your premiums and the master policy remains in force.
• Coverage for your eligible dependents remains in effect until your coverage ends or they no longer qualify as eligible dependents.

WHAT IS THE POLICY REVIEW PERIOD?

Members have 60 days to review the Certificate of Insurance. If you change your mind within that time you are entitled to a full refund of premium, less any claim paid during the first 60 days.

CAN COVERAGE BE PAID BY CREDIT CARD?

Yes. You may choose this as your payment option during the enrollment process.

IS AUTOMATIC CHECKING-ACCOUNT DEDUCTION AVAILABLE?

Yes. You may choose this as your payment option during the enrollment process.

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

Senior Accidental Death Insurance Terms & Conditions

Exclusions

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 any aircraft except a Civil or Public Aircraft, or Military Transport Aircraft;
• 5) Injury sustained while On any aircraft:
  • a) as a pilot*, crewmember* or student pilot;
  • b) as a flight instructor or examiner;
  • c) 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; or
• 9) Injury sustained while Intoxicated, meaning:
  • 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.

* Exception to Exclusion 5) a) – Coverage will be extended to Covered Persons while performing the duties of a commercial pilot or crew member.

THIS IS LIMITED ACCIDENT ONLY COVERAGE

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.

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

In CA: A.G.I.A., Inc. License #0549207. J. Christopher Burke CA Insurance License #0F709407. J. Christopher Burke AR Insurance License #8876308.

A.G.I.A., Inc. is the Plan Administrator who administers the insurance plan on behalf of Hartford Life and Accident Insurance Company.

Union Privilege, Inc. is the broker of record and is compensated for the placement of insurance. This is a participating group policy under which experience credits may be paid to AFL-CIO Mutual Benefit Fund.

This web site explains the general purpose of the insurance described, but in no way changes or affects the Master Policy (ADD-9939) as actually issued. In the event of a discrepancy between this web site 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. Benefits may vary and this program may not be available to residents of all states or in all unions.

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

AGIA is a member of the Better Business Bureau

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