Accidental Death &
Dismemberment Protection
There’s a need for Accidental Death & Dismemberment Protection!
L
OOK AT THESE FACTS…National Safety Council’s “2002 Injury Facts” makes it clear…
n Accidents are the fifth leading cause of death
for people of all ages.
n Accidents are the leading cause of death for
individuals age 1 to 34.
n An accidental injury occurs every two seconds;
an accidental death every six minutes.
n Over $500 billion is spent on accidental
injuries each year. These are costs every individual and household pays whether directly, out of pocket, or through higher prices for goods and services.
Who’s Eligible:
n Members (up to age 70); n Spouses (up to age 70);
n Dependent Children (up to age 19 or
up to age 25, if a full-time student)
Plan Options:
n Plan benefits up to $250,000 or more. n Once a Member is covered, it’s easy to
enroll the Member’s Spouse and Dependent Children.
The Sponsoring Organization has the
choice of offering its Members any
number of plans:
n 24 hour Accident or AD&D Plan. n Over 30 Optional Coverages that were
designed to further enhance and personalize any AD&D Plan Design.
n Stand Alone Options that can be sold
independently, without having to include a 24 hour, AD&D Plan, or
used to further add value to an existing AD&D Plan Design.
Accidental Death & Dismemberment Protection offers coverage that protects the Member and his or her family against devastating losses which occur when death or disability strikes as a result of an accident. CIGNA’s Plan offers coverage for:
n Death
n Living benefits for Dismemberment, Coma, Paralysis,
Loss of Limbs, Loss of Eyesight, Loss of Speech and Loss of Hearing.
n Family, Medical, Travel, Occupational, Recreational
and Military Risks.
Accidental Death & Dismemberment Protection
Here is our list of optional features
that can be added to a Basic
AD&D Plan Design:
Family OptionsBereavement and Trauma Counseling
Provides a benefit for bereavement and trauma counseling to help surviving family members cope with a loss.
Childcare Center
Provides a benefit for Childcare Expenses.
Child Survivor
Provides a lump sum benefit when a child reaches the age of majority.
Increased Dependent Child Dismemberment
Provides a benefit for continuing medical, rehabilitation and educational expenses for a Dependent Child.
Spouse Survivor
Provides a monthly benefit to a Member’s surviving Spouse.
Spouse Retraining
Provides a benefit to reimburse a Spouse for educational training for employment.
Special Education
Provides an educational expense benefit for Dependent Children.
Elder Survivor
Provides a Lump Sum, Monthly or Lump Sum and Monthly benefit to Surviving Elderly Dependents.
Medical Options
Accidental Burn Disfigurement
Provides a benefit for reconstructive or cosmetic surgery.
Ambulance
Provides a benefit for required ambulance service.
Brain Damage
Provides a benefit if brain damage is suffered as a result of an injury.
Diagnostic X-Ray & Laboratory
Provides a benefit for required diagnostic X-Ray and laboratory examinations.
Emergency Room
Provides a benefit for Emergency Room Treatment.
Home Alteration & Vehicle Modification
Provides a benefit for Home Alteration and/or Vehicle Modification to maintain a Surviving Insured’s independent lifestyle.
Hospital Stay
Provides a benefit for an Inpatient hospital stay.
Outpatient Surgery
Provides a benefit for Outpatient Surgery.
Physical Therapy
Provides a benefit when Outpatient Physical Therapy is needed to treat an accidental injury.
Rehabilitation
Provides a benefit for Rehabilitative Services that will help prepare an Insured to return to his/her occupation.
Total Disability Weekly Benefit
Provides a Weekly Benefit, for up to 26 weeks, for an Insured’s Total Disability.
Waiver of Premium
Provides a benefit that waives premiums and continues coverage for Insured Members who become totally disabled.
Accidental Death & Dismemberment Protection
Travel Options
Business Travel
Provides a benefit while traveling for business purposes.
Carjacking
Provides a benefit while driving, getting into or out of or riding as a passenger in a vehicle that is carjacked.
Common Accident
Provides a double benefit to surviving
Dependent Children if both Insured Parents die in the same accident.
Hijacking & Air Piracy
Provides a benefit for hijacking, air piracy, or unlawful seizure or attempted seizure of an aircraft.
Repatriation
Provides a benefit for expenses incurred for the return of remains to an Insured’s country.
Seatbealt/Airbag
Provides a benefit when use of a seatbelt and/or deployment of an airbag fail to prevent death.
Occupational Options
Bulletproof Vest
Provides a benefit when, in the line of duty, an Insured suffers a fatality from a bullet’s penetration through a bulletproof vest.
HIV Occupational Accident
Provides a benefit when the performance of Occupational Duties results in an Insured acquiring and testing positive for Human Immunodeficiency Virus (HIV) antibodies.
Recreational Options
Hunting
Provides a benefit if the Insured was participating in the Sport of Hunting.
Military Options
Armed Forces
Provides a benefit while an Insured is on active duty in the Armed Forces
National Guard & Armed Forces Reserve
Provides a benefit while the Insured is serving as a Member of the U.S. Military Reserve or National Guard.
War Risk
Provides a benefit due to war or an act of war.
OTHER OPTIONS
Association MembersProvides a benefit while attending or participating in events sponsored by a
Sponsoring Organization or while traveling to or from such event.
Burial & Cremation
Provides a benefit for burial or cremation expenses.
Escalator
Provides a benefit that allows for the Principal Sums of the covered Member and Spouse to be automatically increased each year to help add more value to future benefits.
Exposure & Disappearance
Provides a benefit when loss of life is presumed because of unavoidable exposure to the
elements or an Insured is not found, within one year of the date of his/her disappearance.
Felonious Assault and Violent Crime
Provides a benefit if an Insured is a victim of a violent crime or felonious assault.
Bonus
Provides a benefit for 24 hour AD&D coverage or limited coverage for Travel AD&D.
Common Carrier
Provides a benefit while riding, getting into or out of the common carrier, as a fare paying passenger in or being struck by a common carrier such as an aircraft.
Private Passenger
Provides a benefit when driving, riding as a passenger in, or getting in or out of a Private Vehicle.
Scheduled Air Travel
Provides a benefit when riding as a passenger in, or getting on or off a commercial airline on any scheduled or chartered flight.
Law Enforcement Officers
Provides a benefit for a loss suffered in the line of duty.
Permanent Total Disability
Provides a benefit when an Insured suffers Permanent Total Disability and remains totally disabled with injuries that are considered permanent.
Here is our list of optional features, for a Stand Alone Plan,
that can be sold independently of a 24 hour AD&D Plan Design
CIGNA offers an exclusive Beneficiary Program, CIGNAssurance®, that capitalizes on our
broad capabilities and expertise in Member Benefits that’s automatically included, free of
charge, when this plan is sold to a Sponsoring Organization. CIGNAssurance®is offered
to all Accidental Death beneficiaries with claims over $5,000:
n Access to a Free Interest Bearing Account with Draft Privileges. n Free, Confidential Bereavement Counseling, by phone, with
Grief Counselors, included 24 hours/7 days a week.
n Free, Face-to-Face, Counseling Sessions with Trained,
Professional Behavioral Health Experts.
n Free Legal Assistance, by phone, from Licensed,
Practicing Attorneys.
n Free Planning Guidebook Helps Beneficiaries Navigate
Through Legal and Financial Responsibilities.
n Free Financial Assistance, by phone, from Experienced
Financial Professionals.
CIGNAssurance
SMCIGNA’S CLAIM PHILOSOPHY
When it comes to paying claims, we share a common interest: to be fair, to be prompt and to be accountable for our decisions! Claims are processed with a sense of urgency, integrity and objectivity. CIGNA prides itself on treating customers and claimants as we would want to be treated.
Claims processing with a sense of urgency, integrity and objectivity:
~ Our goal is to process 100% of your Client’s claims within 10 days of receipt.
~ We are committed to minimizing delays with accurate and high quality reviews of all submitted claims.
~ Your Clients will have direct access to our Benefit Analysts and Technical Specialists.
Extended Customer Service:
~ We welcome the opportunity to arrange for Office Visitations from potential Clients.
NOTE:
This information is intended to be a brief overview of the benefits available under this Plan. It does not provide costs, limitations, exclusions and terms under which the coverage may be kept in force. The Plan is subject to state filing and approval, and may vary slightly, or not be available by jurisdiction in accordance with applicable laws and regulations. CIGNA Group Insurance products and services are provided exclusively by underwriting subsidiaries of CIGNA Corporation, including Life Insurance Company of North America, CIGNA Life Insurance Company of New York, and Connecticut General Life Insurance Company. “CIGNA” is used to refer to these subsidiaries and is a registered service mark. This program may not be available in all states.
