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 $20K Complimentary Accidental Death and Dismemberment Insurance
  POLICY DETAILS   BENEFIT INFORMATION

Complimentary Life Insurance Coverage for Our Members Provided by The Hartford

All current and retired dues-paying members are covered automatically by a $20,000.00 Accidental Death & Dismemberment Life Insurance policy underwritten by The Hartford, a company trusted by Americans from all walks of life for over 200 years. 

In addition to the basic Principal Sum benefit, the policy also includes other provisions to help your beneficiaries should they become eligible for payment due to an unforeseen event. The policy premium is included as part of the bi-weekly membership dues so our members do not incur any additional premiums or costs.

Its important to be familiar with the coverage provided by the policy and the exclusions contained in the fine print. We also encourage members to make sure their beneficiary information is up to date so that there is little delay when a claim is filed.
   
Provider The Hartford Life Insurance Company
Policyholder LIUNA
Policy Number 59-ADD-S01211 
Effective Date January 1, 2000 
   
Eligible Persons All active dues-paying members
Principal Sum $20,000
Eligible Dependents N/A
Age Coverage N/A
   
Age-Based Reductions Your benefit amount will be reduced based on your age as follows:
Age 70-74 -30%
Age 75-79 -55%
Age 80-84 -70%
Over 85 -85%
   
Education Benefit See definitions for a detailed explanation of benefit.
Maximum $600
% of Principal 3%
Minimum $300
   
Conversion Privilege Benefit See definitions for a detailed explanation of benefit.
Limit $150,000
   
Seat Belt Coverage See definitions for a detailed explanation of benefit.
Benefit Amount 10%
Maximum $2,000
   
Adaptive Home and Vehicle Benefit See definitions for a detailed explanation of benefit.
Maximum $600
% of Principal 3%






  
Explanation of Benefits
 
General

1. The amount(s) shown below shall be paid to the insured (or their beneficiary) if he/she experiences any of the following losses within 365 days after the date of a covered accident which causes the injury that resulted in the loss.

2. Total payments due to injury resulting from the same accident may not exceed the Principal Sum.

Periods of Coverage

1. Coverage becomes effective on the later of:

- The Policy Effective Date; or,
- The date you become eligible.

2. Coverage terminates on the earlier of:

- The date the policy is terminated; or,
- The date you:
   * cease to be an Eligible Person
   * attain Policy Age Limit

Exclusions

1. Losses to life/limb/sense resulting from the following are not covered:

- Intentionally self-inflicted injury (sane or insane)
- Suicide or attempted suicide (sane or insane)
- War or act of war (declared or undeclared)
- While serving full-time in the armed forces of any country
- While riding on any aircraft (except civil/public/military transport)
- While riding on any aircraft:
   * as a pilot, crewmember, or student pilot
   * as a flight instructor or examiner
   * owned, operated, or leased by/on behalf of LIUNA
- While voluntarily taking illegal drugs
- While committing/attempting to commit a felony
- While operating a motor vehicle and legally intoxicated from alcohol
 
Covered Loss Amount
Life Principal
Limbs/Senses:  
- Both Hands Principal
- Both Feet Principal
- One Hand & One Foot Principal
- Hand/Foot & Sight in One Eye Principal
- Sight in Both Eyes Principal
- Speech & Hearing Principal
- Upper & Lower Limb Movement
  (Quadriplegia)
 
Principal
- Lower Limbs Movement
  (Paraplegia)
3/4 of Principal
- Upper & Lower Limbs of One Side
  (Hemiplegia)
1/2 of Principal
- One Hand 1/2 of Principal
- One Foot 1/2 of Principal
- Sight in One Eye 1/2 of Principal
- Speech Only 1/2 of Principal
- Hearing Only 1/2 of Principal
- Thumb & Index Finger (Per Hand) 1/4 of Principal
   
Definitions

1. We, us or our means the insurance company.

2. You, your, or Insured Person means an Eligible Person while he/she is covered under the policy.

3. Injury means bodily injury resulting directly from an accident and independently of all other causes which occurs while you are covered under the policy. A loss resulting from: a. sickness or disease, except a pus-forming infection which occurs through an accidental wound; or, b. medical or surgical treatment of a sickness or disease; is not considered as resulting from injury.

4. On, when used in reference to any conveyance (land, water, or air), means in or on, boarding or alighting from the conveyance.

5. Civil or Public Aircraft means an aircraft which: a. has a current and valid Airworthiness Certificate; b. is piloted by a person who has a valid and current certificate of competency of a rating which authorizes him or her to pilot the aircraft; and, c. is not operated by the militia or armed forces of any state, national government or international authority.

6. Air Worthiness Certificate means: a. the 'Standard' Airworthiness Certificate issued by the United States Federal Aviation Administration; or, b. a foreign equivalent issued by the governmental authority with jurisdiction over civil aviation in the country of registry.

7. Military Transport Aircraft means a transport aircraft operated by: a. the United States Air Mobility Command (AMC); or, b. a national military air transport service of any country.

8. Written Request means any form provided by us for a particular request.

9. Loss means with regard to: a. hands and feet, actual severance through or above wrist or ankle joints; b. sight, speech or hearing, entire and irrevocable loss thereof; c. thumb and index finger, actual severance through or above the metacarpophalangeal joints; d. movement of limbs, complete and irreversible paralysis of such limbs.

10. Exposure refers to the natural elements and will be presumed to be injury if: a. it results from the forced landing, stranding, sinking or wrecking of a conveyance in which you were an occupant at the time of the accident; and, b. the policy would have covered injury resulting from the accident.

11. Disappearance is the presumption of loss of life is: a. the insured's body has not been found within one year after the disappearance of a conveyance in which they were an occupant at the time of its disappearance; b. the disappearance of the conveyance was due to its accidental forced landing, stranding, sinking or wrecking; and, c. the policy would have covered injury resulting from the accident.

Seat Belt Coverage

If an injury results in a covered loss while: a. a passenger riding in; or, b. the licensed operator of; a duly registered automobile, and while wearing a seat belt at the time of the accident as verified on the police report, then the amount of the Principal Sum will be increased by the Seat Belt Benefit amount stated on the schedule. For the purposes of Seat Belt Coverage:

1. Accident means the unintentional collision of an automobile during which you are wearing a seat belt.

2. Automobile means a four-wheeled, private passenger car, station wagon, van or jeep-type vehicle which is not being used as a Common Carrier.

3. Common Carrier means a conveyance operated by a concern, other than the Policy holder, organized and licensed for the transportation of passengers for hire and operated by an employee of the concern.

4. Seat Belt means a belt, lap restraint, or shoulder restraint installed by the manufacturer of the automobile.

The Seat Belt Coverage does not cover any loss if the insured is: a. under the influence of any intoxicant, excitant, hallucinogen, or any narcotic or other drug, or similar substance as verified in the police accident report (unless administered under the advice of a physician); and, b. the insured is operating the vehicle.

Education Benefit

If a Principal Sum is payable under this Policy because of the insured's death, we will pay an Education benefit to each eligible student.

A student is the the insured's Eligible Child for whom we receive proof that he/she: a. is a full-time post-high school student in a school for higher learning on the date of the insured's death; or, b. became a full-time post-high school student in a school for higher learning within 365 days after the insured's death and was a student in the 12th grade on the date of the insured's death.

He/she is not considered to be a student after the first to occur of: a. our payment of the fourth Education Benefit to or on behalf of that person; or, b. the end of the 12th consecutive month during which we have not received proof that he/she is a student.

The Education Benefit is an amount equal to the lesser of: a. the Maximum Amount; or, b. the amount determined by applying the percent to the amount of your Principal Sum.  

We will not pay more than one Educational Benefit due to any one student once during any one school year.

The Education Benefit is payable to each person: a. on the date; and, b. for whom; we receive proof that he/she is a student.

If he/she is a minor, we will pay the benefit to the student's legal representative. If: a. a Principal Sum is payable because of your death; and, b. no person qualifies as a student; we will pay the Minimum Amount due in accordance with the claim provision for payment of benefits for loss of life. For the purposes of the Education Benefit:

1. Child means an insured's unmarried child, stepchild, legally adopted child, child in the process of adoption or foster child who is: a. less than age 19 and primarily dependent on the insured for support and maintenance; or, b. at least age 19 but less than age 23 who: 1. regularly attends an institution of higher learning; and, 2. is primarily dependent on the insured for support and maintenance. 

Conversion Privilege

If you cease to be covered under this policy because you cease to be eligible for coverage and: a. the policy has not terminated; and, b. you have not failed to pay any required premium; you have a conversion privilege as provided below.

The conversion right allows you to request coverage under a conversion policy from the insurer, without giving medical evidence of insurability, to cover yourself but not your dependents.

Insurer means us or another insurance company which has agreed with us to issue converted policies according to this conversion privilege.

You must: a. give the insurer a written request for the converted policy; and, b. pay the insurer the initial premium; within 31 days after you cease to be covered under the policy.

The converted policy will:

1. Have provisions, limitations, and exclusions on the form the insurer is issuing for this purpose at conversion.

2. Provide coverage on a 24/day basis.

3. Provide benefits for accidental death and dismemberment alone.

4. Take effect on the sate you cease to be covered under this policy.

5. (May) contain the same excluded conditions contained in this policy.

6. Not pay for any loss covered not covered by this policy.

7. Provide a Principal Sum for yourself which will be: a. the amount of your Principal Sum under the current policy on the date of conversion, rounded to the nearest $1,000, subject to a minimum of $25,000.00 and a maximum of $150,000.00 if you are under age 70; b. $25,000.00 if you are age 70 or older but less than age 75; or, c. $12,500.00 if you are age 75 or older.

8. Have premiums based on the insurer's rates in effect for new applicants of your class and age at conversion.

Adaptive Home and Vehicle Benefit

If your injury results in a covered loss, except for loss of life, and a benefit is payable under the Accidental Death and Dismemberment Benefit, we will pay the lesser of: a. a percentage of your Principal Sum; b. the actual cost; or, c. the Maximum Amount; for the one-time cost of alterations incurred within two years from the date of your accident to: a. your principal residence; and/or, b. a private automobile; to make the residence accessible or the private automobile drivable or rideable for you. 

The benefit will be payable only if: a. such home alterations are: i. made by a person or persons with experience in such alterations; and, ii. recommended by a recognized organization associated with the injury; b. such vehicle modifications are: i. carried out by a person or persons with experience in such matters; and, ii. approved by the Motor Vehicles Department.

As used in this section:

1. Private Automobile means a four-wheeled, private passenger car, station wagon, pick-up truck, van or jeep-type automobile which is not being used a Common Carrier.

2. 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.

Claims
   
Notice of Claims: The person who has the right to claim benefits (the claimant or beneficiary) must give us written notice of a claim within 20 days after a covered loss begins. If notice cannot be given within that time, it must be given as soon as reasonably possible.

Go to the Resources Page to download a claim form. Once completed please forward to life_insurance@liuna-ngdc.org.

Payment of Claims: We will pay any benefit due for loss of life: a. according to the beneficiary designation in effect under the policy at the time of death; or, b. to your estate.

All other benefits due and not assigned will be paid to you, if living. Otherwise, the benefits may, at our option, be paid according to the beneficiary designation, or to your estate.

Benefits will be paid into a checking account which will be owned by: a. you; or, b. the beneficiary or beneficiaries named in writing by you.

The checking account owner may elect a lump sum payment by writing a check for the full amount in the checking account. However, a checking account will not be established for a benefit payable to your estate or for a Principal Sum that is less than $10,000 or for any claim that the claim department determines is more appropriately adjudicated through the issuance of a lump sum payment.

We will be relieved of further responsibility to the extent of any payment made in good faith.

Physical Examinations and Autopsy: While a claim is pending we have the right at our expense: a. to have the person who has a loss examined by a physician when and as often as we feel is necessary; and, b. to make an autopsy in case of death where it is not forbidden by law.

Legal Actions: You cannot take legal action against us: a. before 60 days following the date proof of loss is sent to us; or, b. after 3 years following the date proof of loss is due.

Naming a Beneficiary: You may name a beneficiary or change a revocably named beneficiary by giving your Written Request to the Policyholder. Your request takes effect on the date you execute it, regardless of whether you are living when the Policyholder receives it. We will be relieved of further responsibility to the extent of any payment we made in good faith before the Policy holder received your request.

Assignment: We will recognize any assignment you make under the policy, provided: a. it is duly executed; and, b. a copy is on file with us.

We and the Policyholder assume no responsibility for the validity or effect of an assignment.

CALIFORNIA COMPLAINT NOTICE

WHENEVER THE HARTFORD OR ITS AGENT HAS BEEN UNABLE TO RESOLVE A CONSUMER COMPLAINT AFFECTING THE POLICY OR CERTIFICATE, THE STATE AGENCY LISTED BELOW MAY BE CONTACTED TO ASSIST THE COMPLAINANT IN PURSUING A RESOLUTION OF THE COMPLAINT:

CA DEPARTMENT OF INSURANCE
CONSUMER SERVICES DIVISION
200 S SPRING ST
LOS ANGELES, CA 90013
TEL 1-800-927-4357







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