An accidental injury can be severe enough to prevent you from doing the work you do everyday. Unfortunately, such an injury can easily happen to anyone. What if you completely lost the use of your hand or leg following an automobile accident? Could you continue to work?

That's where Accidental Death and Dismemberment insurance comes in. This insurance provides you with a benefit for a covered accidental injury or accidental death. This benefit is paid in addition to any health insurance benefits you might receive.

Visit the Tell Me More section to learn more about this plan (including costs, exclusions, limitations and terms of coverage), or click on the Insurance Enrollment Form and Brochure link and enroll for coverage today.

Benefit Features:

• Members Under Age 70 Are Eligible To Enroll
• Guaranteed Acceptance
  
• Choice Of Benefit Amount (From $100,000 To $500,000)
  
  • Dependent Spouse Coverage Also Available
  • Economical Premiums
  • No medical exam required

Who is Eligible?
All Minnesota Dental Association members in good standing who are under age 70, actively at work full-time (at least 20 hours a week) and not engaged in active military duty are guaranteed acceptance. You may also enroll your lawful spouse under age 70. No medical exam is required.

You can choose benefit amounts ranging from $100,000 to $500,000 in $50,000 increments. Spouse benefit amounts can range from $100,000 to $250,000 in $50,000 increments (but not to exceed 50% of your full benefit amount). On the date you attain age 70, your amount of insurance will be reduced to 50% of the amount in effect on the day before you attained age 70. The amount of insurance in effect for your spouse, if enrolling, will also be reduced by 50% on the date you attain age 70.

Effective Date
Your coverage will begin on the first of the month following receipt of your enrollment form and initial premium payment. You must be actively at work on the date your insurance is to take effect. If you are not, such insurance will take effect on the day you resume such work. Your souse, if enrolling, must be able to perform the normal activities of a person of like age and sex, with like occupation or retired status on the date their insurance is to take effect. If not, such insurance will take effect on the day your spouse resumes such activities. Your spouse must also not be hospitalized on the date their insurance is to take effect. If so, insurance will take effect on the day after they are discharged.

Your benefits will protect you from loss as a result of an injury caused by a covered accident 24 hours a day…365 days a year…on or off the job…from across the street to around the world! Even while you’re on commercial airplanes, buses and taxis.

If you or your insured spouse suffers a loss solely as a result of an injury caused by an accident and due proof of the loss is sent to the insurance company, the insurance company will pay the benefit amounts described below. The accident must happen while insured and the loss must occur within 365 days after the date of that accident.

If you suffer more than one loss due to any one accident, payment will be made only for that loss for which the largest amount is payable.

Loss means:

LOSS OF SIGHT means total loss of sight which cannot be restored by surgical or other means.

LOSS OF HAND means that a hand is permanently severed at or above the wrist.

LOSS OF FOOT means that a foot is permanently severed at or above the ankle.

Beneficiary
For loss of sight, hand or foot, benefits will be paid directly to you. For loss of life, benefits will be paid to your beneficiary. Your beneficiary is the person(s) last designated by you in writing, and recorded by, or on behalf of the insurance company. You may change your beneficiary designation at any time, unless irrevocable, by written request. You are the automatic beneficiary for your dependent spouse’s insurance, if enrolling, as described in the Certificate of Insurance.

Termination of Coverage
Your insurance will end if the group policy ends; if insurance ends for your class; if premium is not paid when due; you attain age 85; or if you enter active military duty. Insurance for your spouses, if enrolling, will end if your insurance ends under the group policy; if the group policy is changed to end dependents’ insurance; if your spouse ceases to be a dependent; if premium for your spouse is not paid when due; your spouse attains age 85; or if your spouse enters active military duty.

EXCLUSIONS
No benefits will be paid for any loss that results from or is caused directly, indirectly, wholly or partly by:

1. suicide; or intentionally self-inflicted injury;

2. insurrection; war or an act of war;

3. a physical or mental sickness, or treatment of that sickness;

4. voluntary intake of poison, drugs, gas or fumes, unless taken as prescribed by a physician;

5. committing a felony, or an attempt to do so;

6. being under the influence of any drug, unless taken as prescribed by a physician;

7. flight in any type of aircraft. This item applies only to:

• the pilot, whether licensed or unlicensed; and
• the members of the crew.

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Renewal Payments and Claims
Once you are accepted into the Plan, you will have a 31-day grace period for your payment of renewal premium contributions. When you want to submit a claim, call or write the Administrator for claim forms.

This plan is underwritten by The United States Life Insurance Company in the City of New York, NAIC No. 70106, domiciled in the state of New York with a principal place of business of 70 Pine Street New York, NY 10270. It is currently authorized to transact business in all states plus DC, except PR. This summary is a brief description of benefits only and is subject to the terms, conditions, exclusions and limitations of Group Policy No. G-610-197, Form No. G-19000. Coverage may vary or may not be available in all states.

The underwriting risks, financial and contractual obligations and support functions associated with products issued by The United States Life Insurance Company in the City of New York (United States Life) are its responsibility.

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