Group High-Limit Accidental Death and Dismemberment Insurance Plan

Group High-Limit Accidental Death and Dismemberment Insurance (AD&D) can be an essential addition to your personal insurance portfolio. This coverage helps to provide substantial coverage in the event of the accidental death or dismembering injury to you or your family members, which could easily impact your family’ finances and plans for the future.

The AD&D Plan provides constant coverage around the clock and worldwide*. Up to $500,000 in supplemental protection is available to you at competitive group rates - and your acceptance is guaranteed.

* Subject to U.S. government regulations on restricted countries.

Eligibility	Acceptance is GUARANTEED for all eligible members and Society Affiliates residing in the United States* (except territories), Puerto Rico or Canada (except Quebec). Acceptance is also guaranteed for your lawful spouse or domestic partner and your unmarried dependent children between the ages of 1 and 26 (including legally adopted children and step-children) if you elect to include them in the coverage. * Certain state restrictions apply. Canada Residents: Pearl Insurance Group, LLC is acting solely as an administrator with respect to Canadian residents.
Schedule of Benefits Payable	Select your benefit level from $50,000 to $500,000 (in $50,000 increments). Choose coverage options you want for yourself alone or for yourself and your family. If you also elect spousal or domestic partner coverage, their maximum benefit will be equal to 50% of your benefit. The maximum benefit payable for dependent children will equal 5% of your benefit. You will be paid a percentage of your total benefit amount based on the loss suffered, as detailed below: 100% Accidental loss of life Loss of two limbs Loss of sight in both eyes Loss of one limb and the sight of one eye. Loss of speech and hearing Loss of movement of both upper and lower limbs (quadriplegia) 75% Loss of movement of both lower limbs (paraplegia) 50% Loss of one limb Loss of sight in one eye Loss of movement of both upper and lower limbs on one side of body (hemiplegia) Loss of speech or hearing In the event of multiple injuries to a single insured person, no more than the maximum benefit will be paid for all injuries.
Defining Losses	The following losses are covered when they result from and occur within 120 days after accidental bodily injuries are sustained by the insured. Loss of hand means actual severance through or above the wrist. Loss of foot means actual severance through or above the ankle. Loss of sight must be entire and irrecoverable. Benefits are not payable for any loss due to intentionally self-inflicted injury or suicide while sane or insane; disease; infection (except for infections which occur through an accidental cut or wound); or war or acts of war other than as a victim.
Repatriation Benefit	If an insured person’s death occurs outside the territorial limits of the state or county of his or her permanent residence, and is a covered loss, the plan will pay a Repatriation Benefit that is the lesser of: (a) the actual cost of cremation or preparing the body for burial and transportation of the body to the burial or cremation site; or (b) $5,000. The Repatriation Benefit is limited to: (a) preparation of the body for burial or cremation; and (b) transportation of the body to the place of burial or cremation.
Coverage Effective Date	Your coverage will become effective on the day of approval of your application by New York Life Insurance Company, provided you pay your premium when due and are performing normal activities of a person of like age on that day. If you elect spousal/dependent coverage when you enroll, that coverage will become effective when yours does. If you wish to add spousal/dependent coverage after you enroll, the dependent coverage will become effective on the date of approval of your application by New York Life Insurance Company, provided you pay the appropriate premium when due.
Continuation of Coverage	Once your coverage goes into effect, it does not matter if your work requires you to transfer overseas, or if you become unemployed. Your insurance will continue automatically as long as the Group Policy remains in force, you maintain your ACS membership or appropriate affiliation, and you continue to pay your premiums when due. Your dependents’ will remain in effect as long as yours does, or until they no longer qualify as dependents.
Portable Protection	Coverage under the ACS Group Accidental Death and Dismemberment Insurance Plan is completely portable, staying with you even if you change jobs. Your coverage continues as long as the group policy remains in effect, you maintain your ACS membership and pay your premiums when due.
30- Day Free Look	If you are not completely satisfied with the terms of your Certificate of Insurance, you may return it without claim, within 30 days. Your coverage will be invalidated and you will receive a full refund – no questions asked!
Premium Credit	The Board of Trustees, Group Insurance Plans for ACS Members regularly approves the distribution of premium credits on new and renewed policies. The premium credit for the year 2009 is 10%. These premium credits are paid to the insurance carrier by the Accidental Death and Dismemberment Plan Trust Fund. Premium credits are not guaranteed and vary from year-to-year depending on claims experience.
Rates	Rates
Disclaimers	This page is intended to describe only principle features of the ACS Group Accidental Death and Dismemberment Plan and is not a contract. A complete description is contained in the Certificate of Insurance issued to each plan participant. Benefits are provided under the Group Policy GMR- G-29203/FACE. The complete terms, limitations, exclusions and conditions will be set forth in the Group Policy issued by New York Life to the ACS Insurance Trust. The ACS Member Insurance Program is self-supporting. ACS member dues are not used in any way to maintain or promote ACS Insurance Plans. New York Life Insurance Company’ state of domicile is New York, and NAIC ID# is 66915. ACS Group Accidental Death and Dismemberment Insurance is underwritten by New York Life Insurance Company, 51Madison Avenue, New York, NY 10010, under Group Policy Form GMR, Group Policy G29203/FACE and is brokered and administered by Pearl Insurance Group, LLC, 1200 East Glen Avenue, Peoria Heights, IL 61616.California license #0549883.