Accident Benefits to Bridge Gaps in Your Major Medical Plan

Transcription

1 Accident Benefits to Bridge Gaps in Your Major Medical Plan

2 Bridging the Accident Gap in ACA Qualified Health Plans Accident Medical Expense Benefit $6,600 Benefit per Occurrence per Insured after a $250 Deductible The Accident Bridge program is designed to provide accident benefits that supplement major medical insurance plans. Despite health care reform (the Affordable Care Act or "ACA"), health plans across the country may still expose you to financial risk as the result of an accident. The design of Accident Bridge is simple: help cover the cost-sharing limits (copays, deductibles and coinsurance) under the ACA for accident-related medical expenses after only a $250 deductible. Once you have met your $250 deductible and exhausted your accident medical expense benefit limits of $6,350, your ACA qualified health plan covers the additional medical expenses. Contact your agent regarding the details of your ACA Qualified Health Plan's deductibles, copays and coinsurance. See Benefit Descriptions and Exclusions for details. AD&D Benefit $5,000 Accidental Death Benefit The Accident Bridge program provides your beneficiary with a $5,000 AD&D benefit if you die due to an accident. Fractional amounts will be paid if you lose a bodily appendage or sight due to an accident. See Air Ambulance From Emergency Site to Hospital The Accident Bridge program includes medically necessary air ambulance service resulting from a covered accident to transport the covered person from the emergency site to the hospital. The benefit maximum is $6,600 after Benefit details. Descriptions and Exclusions for the $250 deductible has been satisfied. See Benefit Descriptions and Exclusions for details. Travel Assistance Services Emergencies happen, but help is now only a phone call away An unexpected illness, tooth ache or forgotten medication can ruin a trip. With travel assistance services from Europ Assistance USA (EA), help is only a phone call away. When you are traveling 100 miles or more away from home on trips of 90 days or less, you have access to travel medical, personal and security assistance services. Services include Emergency Evacuation/Medically-Necessary Repatriation up to a maximum of $500,000 Combined Single Limit, Repatriation of Mortal Remains up to a maximum of $20,000, Visit by Family Member/Friend, Dependent Children Assistance, Traveling Companion Assistance, and Vehicle and Pet Return. Travel Assistance Services are provided by Europ Assistance USA and are not affiliated with Catlin Insurance Company or the accident benefits included in this program.

3 Up to $15,000 of Accident Hospital Cash $500 per day for 30 days with no waiting period Your Accident Bridge plan also includes an Accident Hospital Cash benefit of $500 per day for up to 30 days with a no waiting period when you are hospitalized with an overnight stay due to an accident. While your accident medical expense benefit is designed to help address your major medical deductibles, copays and coinsurance, the accident hospital cash benefit is paid directly to you to use in any way you need it. See Benefit Descriptions and Exclusions for details. Consult A Doctor Members are provided on-demand, 24/7 phone and access to U.S. based, licensed physicians. You and your family members can connect instantly with Consult A Doctor s network of physicians for Roadside Assistance Included in Plus $250,000 option Roadside Assistance is available 24 hours a day, 365 days a year to assist members when owned or leased vehicles are disabled as a result of unavoidable circumstances. This Beneficiary Companion Included in Both Plus Options At a time of loss, the last thing survivors want to do is make phone calls and handle paperwork. With Beneficiary Companion, they don t have to. We ll take care of the information, advice and treatment service includes Towing Assistance administrative details involved in including prescription medication, when appropriate. My Notification Service Members are provided an emergency medical and contact notification service. When an incident occurs, the emergency call center team will send potentially lifesaving medical information specified by you to emergency responders or hospital staff anywhere in the world. up to 5 miles to the nearest facility, Flat Tire Assistance, Fuel, Oil, Fluid and Water Delivery Service, Lockout Assistance, Battery Assistance, and Collision Assistance up to a five claim limit per year. Each claim has a maximum benefit of $100. Certain limitations and exclusions apply. closing a loved one s affairs, relieving the stress of paperwork and allowing beneficiaries to focus on the healing process MyEWellness.com MyEWellness.com provides you with comprehensive information in a simple and straightforward way to help you achieve your own personal health and fitness goals.

4 Services and Monthly Dues Advantage Membership (required to enroll in Accident Bridge Programs) Consult A Doctor Included for you and up to 5 dependents with family membership My Notification Services Included for you. Dependents can purchase separately. Working Advantage Included Member or Family Advantage Dues $4.95 per month Accident Bridge Program Accident Medical Expense Benefit $6,600 per insured per occurrence after a $250 deductible Accidental Death & Dismemberment $5,000 per insured Accident Hospital Cash $500 per day for 30 days with no waiting period Air Ambulance Benefit Included Travel Assistance Program Included MyEWellness.com Profile Included for you Member / Family Accident Bridge Dues $35.00 / $70.00 per month Accident Bridge Plus Options (Accident Bridge purchase is required) $100,000 AD&D* and Beneficiary Companion $6.00 Member / $8.00 Family per month $250,000 AD&D*, Beneficiary Companion & Roadside Assist $15.00 Member / $20.00 Family per month * The Accidental Death and Dismemberment (AD&D) amounts provide for 100% of the stated amount for the primary member. If Family membership is elected, the AD&D amount provides for 50% of the stated amount for your spouse and 10% for your dependent child(ren).

5 The Cost of Healthcare Due to an Accident Can You Afford the Financial Exposure? No one likes to think about the devastating effects an accident can have on the family budget or long-term savings. Most of us have not saved funds to cover the maximum out-of-pocket expenses of our major medical plans. What's worse, some of us don't have the financial wherewithal to simply write a check when the medical provider sends the first invoice for services rendered after an accident. Starting in 2015, your maximum cost-sharing limits (deductibles, copays and coinsurance) for essential health benefits is $6,600 for an individual and $13,200 for a family. To cover your cost-sharing financial exposure, you must set aside over $500 each month for individual coverage or $1,000 for a family. With the Accident Bridge program, set your worries about covering deductibles, copays and coinsurance after an accident aside. Accident Bridge was specifically designed to help cover accident-related medical expenses after only a $250 deductible! Take a look at how Accident Bridge works with the example below. Joe is Hospitalized Due to an Accident for 10 Days.** $30,000 of Accident Medical Bills Joe's surgeries and hospital care totaled $30,000. Joe had a major medical plan with a $3,000 deductible and 80/20 co-insurance with a total out-of-pocket maximum of $6,600 (an ACA Qualified Health Plan). Joe's Cost-Sharing (Deductibles, Copays and Coinsurance) Joe's major medical plan paid $23,650 of the total costs after Joe's $3,000 deductible and remaining portions of co-insurance ($3,600). Despite the fact that Joe had major medical coverage, he was still responsible for $6,600 as the result of the motor vehicle accident. Accident Bridge Reimbursement of Cost-Sharing Expenses Fortunately for Joe, he also enrolled in the Accident Bridge program that reimbursed him for his out-of-pocket expenses after his $250 deductible. Major Medical Out-of-Pocket Expense: $6,600 Minus the Accident Bridge Policy Deductible: $250 Accident Bridge Reimbursement: 6,350 Because Joe enrolled in the Accident Bridge program, he was left with only $250 of accident medical bills unpaid. Additional $500 per Day of Accident Hospital Cash Paid Directly to Joe Joe's Accident Bridge program also provided him with $500 per day of Accident Hospital Cash paid directly to Joe to be used for expenses such as groceries, living expenses, his car payment, lost income and his $500 accident deductible while he was in the hospital. 10 days in hospital x $500 per day = $5,000 paid directly to Joe. ** This example assumes that the accident is a Covered Injury and no exclusions or limitations apply.

6 Exclusions and Benefit Descriptions May Vary By State COMMON EXCLUSIONS In addition to any benefit-specific exclusions, benefits will not be paid for any Covered Injury or Covered Loss which is caused by or results from any of the following unless coverage is specifically provided for by name in the Description of Benefits Section: 1. intentionally self-inflicted Injury, suicide or any attempt thereat while sane or insane; 2. commission or attempt to commit a felony or an assault; 3. commission of or active participation in: a riot; insurrection; or Terrorist Act; 4. bungee jumping; parachuting; skydiving; parasailing; hang- gliding; 5. declared or undeclared war or act of war; 6. flight in, boarding or alighting from an Aircraft or any craft designed to fly above the Earth s surface, except as: a. a fare-paying passenger on a regularly scheduled commercial or charter airline; b. a passenger in a non-scheduled, private Aircraft used for pleasure purposes with no commercial intent during the flight; c. a passenger in a military Aircraft flown by the Air Mobility Command or its foreign equivalent; 7. travel in or on any off-road motorized vehicle not requiring licensing as a motor vehicle; 8. participation in any motorized race or contest of speed; 9. an accident if the Covered Person is the operator of a motor vehicle and does not possess a valid motor vehicle operator s license; except while participating in Driver s Education Program; 10. Sickness; disease; bodily or mental infirmity; bacterial or viral infection; or medical or surgical treatment thereof; except for any bacterial infection resulting from: an accidental external cut or wound; or accidental ingestion of contaminated food; 11. medical or surgical treatment; diagnostic procedure; administration of anesthesia; or medical mishap or negligence; including malpractice; 12. travel in any Aircraft: owned; leased; or controlled by the Policyholder; or any of its subsidiaries or affiliates. An Aircraft will be deemed to be controlled by the Policyholder if the Aircraft may be used as the Policyholder wishes for more than 10 straight days, or more than 15 days in any year; 13. the Covered Person s intoxication as determined according to the laws of the jurisdiction in which the Covered Accident occurred; 14. voluntary ingestion of: any narcotic; drug; poison; gas or fumes; unless: prescribed or taken under the direction of a Physician; and taken in accordance with the prescribed dosage; 15. injuries compensable under: Workers Compensation law; or any similar law; 16. a Covered Accident that occurs while on active duty service in: the military; naval; or air force of any country or international organization. Upon Our receipt of proof of service, We will refund any premium paid for this time. Reserve or National Guard active duty training is not excluded unless it extends beyond 31 days; DESCRIPTION OF COVERAGES & BENEFITS This Description of Coverage s and Benefits Section describes the Accident Coverage s and Benefits provided by this Policy. Benefit amounts; benefit periods; and any applicable aggregate and benefit maximums are shown in the Schedule of Benefits. Certain words capitalized in the text of these descriptions have special meanings within this Policy and are defined in the General Definitions section. Please read these and the Common Exclusions sections in order to understand: all of the terms; conditions; and limitations applicable to these coverage s and benefits. ACCIDENTAL DEATH & DISMEMBERMENT BENEFITS Covered Loss We will pay the benefit for any one of the Covered Losses listed in the Schedule of Benefits, if the Covered Person suffers a Covered Loss resulting directly and independently of disease or bodily infirmity from a Covered Accident within the applicable time period specified in the Schedule of Benefits. If the Covered Person sustains more than one Covered Loss as a result of the same Covered Accident, benefits will be paid for the Covered Loss for which the largest available benefit is payable. If the loss results in death, benefits will only be paid under the Loss of Life benefit provision. Any Loss of Life benefit will be reduced by any paid or payable Accidental Dismemberment benefit. However, if such Accidental Dismemberment benefit equals or exceeds the Loss of Life benefit, no additional benefit will be paid. Definitions Loss of a Hand or Foot means complete Severance through or above the wrist or ankle joint. Loss of Sight means the total, permanent loss of all vision in one eye which is irrecoverable by: natural; surgical; or artificial means. Loss of Speech means total and permanent loss of audible communication which is irrecoverable by: natural; surgical; or artificial means. Loss of Hearing means total and permanent loss of ability to hear any sound in both ears which is irrecoverable by: natural; surgical; or artificial means. Loss of a Thumb and Index Finger of the Same Hand or Four Fingers of the Same Hand means complete Severance through or above the metacarpophalangeal joints of the same hand (the joints between the fingers and the hand). Loss of Toes means complete Severance through the metatarsalphalangeal joint. Severance means the complete and permanent separation and dismemberment of the part from the body. Exclusions The exclusions that apply to this benefit are in the Common Exclusions Section. ADDITIONAL ACCIDENTAL DEATH & DISMEMBERMENT COVERAGES Accidental Death and Dismemberment benefits are provided under the following coverages. Any benefits payable under them are shown in the Schedule of Covered Losses and will not be paid in addition to any other Accidental Death and Dismemberment benefits payable. EXPOSURE & DISAPPEARANCE COVERAGE Benefits for Accidental Death and Dismemberment, as shown in the Schedule of Covered Losses, will be payable if a Covered Person suffers a Covered Loss which results directly and independently of disease or bodily infirmity from unavoidable exposure to the elements following a Covered Accident. If the Covered Person disappears and is not found within 1 years from the date of: the wrecking; sinking; or disappearance of the conveyance in which the Covered Person was riding in the course of a trip which would otherwise be covered under this Policy, it will be presumed that the Covered Person s death resulted directly and independently of disease or bodily infirmity from a Covered Accident. Exclusions The exclusions that apply to this coverage are in the Common Exclusions Section. ADDITIONAL ACCIDENT BENEFITS Accidental Death and Dismemberment benefits are provided under the following Additional Benefits. Any benefits payable under them will be paid in addition to any other Accidental Death and Dismemberment benefit payable. HOSPITAL STAY BENEFIT We will pay the daily benefit shown in the Schedule of Benefits, subject to the following conditions and exclusions, if the Covered Person requires a Hospital Stay due to a Covered Loss resulting directly and independently of disease or bodily infirmity from a Covered Accident. The Hospital Stay must meet all of the following: 1. be at the direction and under the care of a Physician; 2. begin within 30 days of the Covered Accident; 3. begin while the Covered Person s insurance is in effect. The benefit will be paid for each day of a continuous Hospital Stay that continues after the end of the Benefit Waiting Period as shown in the Schedule of Benefits. Benefits will be paid retroactively to the first day of the Hospital Stay. Exclusions The exclusions that apply to this benefit are in the Common Exclusions Section. ACCIDENT MEDICAL EXPENSE BENEFIT We will pay the Usual and Customary charges for Medically Necessary Covered Medical Services after the Deductible is satisfied incurred by the Covered Person resulting from a Covered Accident. The first treatment or service must occur within 90 days of the Covered Accident and all subsequent treatments must be incurred within 52 weeks of the Covered Accident. Benefits will be paid up to the amount stated in the Schedule of Benefits. Covered Medical Service means any of the following services, treatments or items: Hospital Room and Board We will pay for the daily room rate when: a Covered Person is Hospital confined; and general nursing care is provided and charged for by the Hospital. In computing the number of days payable under this Covered Medical Charges, the date of admission will be counted, but not the date of discharge. In-Patient Hospital Services We will pay for: confinement in an intensive care unit; cardiac care unit; and any other Hospital confinement. Ancillary Hospital Charges We will pay for services and supplies including, but not limited to: operating room; laboratory tests; anesthesia; in-hospital physiotherapy; nurse services; pre-admission tests; and medicines (excluding take home drugs when Hospital Confined). Medical Emergency Care and Treatment We will pay within 24 hours of a Covered Accident and including: attending Physician s charges; X-rays; laboratory procedures; use of the emergency room; and supplies when followed by admission to a Hospital. Outpatient Surgical Charges We will pay for: surgical room and supply charges for use of the surgical facility; X-Rays; laboratory procedures and tests; CT scans; CAT scans; MRIs; and any radiological procedures. Physician Services We will pay for the following Physician Services: 1. Surgical Charges charges for performing surgical procedures. Two or more surgical procedures through the same incision will be considered as one procedure. 2. Assistant Physician Charges - charges by an assistant surgeon/physician assisting the primary Physician. 3. Other Physician Charges charges including, but not limited to: the treatment of fractured and dislocated bones; operations that involve cutting or incision; and/or suturing of wounds or any other surgical procedure; including aftercare; which is given in the outpatient department of a Hospital. 4. Physician s Surgical Facilities charges for the use of the Physician s surgical facilities. 5. Second Opinion or Consultation charges for a second surgical opinion or consultation. 6. Anesthesia Charges charges for pre-operative screening and administration of anesthesia during a surgical procedure whether on an inpatient or outpatient basis. 7. In-Hospital or Office Visits charges for non-surgical treatment/examination expenses (excluding medicines) including: the Physician s initial visit; each necessary follow-up visit; and consultation visits when referred by the attending Physician. 8. Nursing Services charges for the services of a registered nurse (RN). Physical Medicine (Physiotherapy) We will pay for inpatient or outpatient physiotherapy treatment(s) to include office visits connected with such treatment when prescribed by a Physician, including: diathermy; ultrasonic; whirlpool; heat treatments; adjustments; manipulation; massage; or any form of physical therapy. Ambulance Services We will pay for ambulance service to transport the Covered Person from the emergency site to the Hospital. We will pay for ambulance transportation from the first Hospital to another Hospital, if a Physician specifies in writing that specialized care not available in the first Hospital to which the Covered Person was transported is necessary to treat his or her Covered Injury(ies). Medical Equipment Rental We will pay for rental or purchase, if less of a wheelchair, hospital bed or other medical equipment that has permanent or temporary therapeutic value. Permanent or temporary therapeutic value is determined by the Company. Medical Services and Supplies We will pay for: blood and blood transfusions; oxygen; and other gases. We will pay for the cost and administration of the services and supplies.

7 Dental Services We will pay for dental charges including dental x-rays for the repair or treatment of each injured tooth that is whole and sound and a natural tooth at the time of the Covered Accident. Dental charges related to the installation of: crowns; caps; bridges; and dentures; oral surgery; and endodontic as a result of a Covered Accident. Repair or replacement of caps and crowns that existed prior to the Covered Accident. Prescription Drugs We will pay for prescription drugs that: (a) can only be obtained through a Physician s written prescription; and (b) are approved for such prescription use by the Federal Drug Administration (FDA); unless prescribed by a Physician for therapeutic use. The expense for a prescription drug is limited to the cost of a generic drug unless: (1) substitution of a generic drug is prohibited by law; or (2) no generic drug is available; or (3) the Covered Person s Physician specifically requests that a non-generic drug be dispensed to the Covered Person. Eyeglasses, Contact Lenses and Hearing Aids We will pay for: eyeglasses; contact lenses; and hearing aids when they are damage in a Covered Accident that requires medical treatment. Artificial Instruments We will pay for: initial artificial limb(s); eye(s); larynx; dental device(s); and any other orthopedic prosthetic appliance(s); including fitting. We will not pay for future repair or replacement of artificial: limb(s); eye(s); larynx; dental device(s); or any other orthopedic prosthetic appliance(s). Rehabilitation Treatment - We will pay for physical and occupational rehabilitation. Treatment must be provided in a duly licensed Rehabilitation Facility and be under the direction of a Physician. Skilled Nursing Facility We will pay for services at a valid skilled nursing facility where such location is dedicated to the care of individuals in a residential facility, usually there on a long-term basis. These facilities specialize in the watching, but not serious enough where hospitalization is required. Full Excess Benefits If a Covered Person incurs Covered Medical Charges, We will pay the applicable benefit, subject to any applicable Deductible and Benefit Period shown on the Schedule of Benefits that are in excess of amounts payable by any other Health Care Plan, regardless of any Coordination of Benefits provision contained in such Health Care Plan. Failure by a Covered Person to follow the terms and conditions of his or her primary coverage will result in a benefit reduction of Covered Medical Charges to 50% of the amount otherwise payable under the Policy. This limitation will not apply to emergency treatment required within 24 hours after a Covered Accident. Such Covered Accident must occur outside the geographic area served by the primary plan s HMO, PPO or other similar arrangement for provision of benefits or services, if applicable. AIR AMBULANCE SERVICES BENEFIT We will pay the Usual and Customary charges for Medically Necessary Covered Medical Services after the Deductible is satisfied incurred by the Covered Person resulting from a Covered Accident. The first treatment or service must occur within 90 days of the Covered Accident and all subsequent treatments must be incurred within 52 weeks of the Covered Accident. Benefits will be paid up to the amount stated in the Schedule of Benefits. Covered Medical Service means any of the following services, treatments or items: Air Ambulance Services We will pay the amount shown in the Schedule of Benefits for air ambulance service to transport the Covered Person from the emergency site to the Hospital. We will pay for air ambulance transportation from the first Hospital to another Hospital, if a Physician specifies in writing that specialized care not available in the first Hospital to which the Covered Person was transported is necessary to treat his or her Covered Injury(ies). Primary Benefits If a Covered Person incurs Covered Medical Charges, We will pay the applicable benefit, subject to the Deductible and Benefit Period as shown on the Schedule of Benefits. Such benefits will be paid on a primary basis, regardless of any other coverage the Covered Person may have. ACCIDENT MEDICAL EXPENSE AND AIR AMBULACE SERVICES EXCLUSIONS In addition to the General Exclusions stated in the Policy, We will not cover charges under this Rider for: 1. Pre-Existing Conditions; 2. Treatment by persons employed or retained by the Policyholder, or by any Immediate Family Member or member of the Covered Person s household; 3. Treatment of: sickness; disease; or bacterial infections except: infections that result from an accidental injury; or infections that result from the accidental, involuntary, or unintentional ingestion of a contaminated substance; 4. Treatment of: all types of hernias; Osgood-Schlatter s Disease; osteochondritis; appendicitis; osteomyelitis; cardiac disease or conditions; pathological fractures; congenital weakness; detached retina unless caused by a Covered injury or mental disorder; or psychological or psychiatric care/counseling or treatment (except as provided in the Policy), whether or not caused by a Covered Accident; 5. Pregnancy; childbirth; miscarriage; abortion; or any complication of: childbirth; miscarriage; or abortion; unless due to a Covered Injury; 6. Mental and Nervous Disorder (except as provided in the Policy); 7. Damage to or loss of dentures or bridges; or damage to existing orthodontic equipment (except as specifically covered by the Policy); 8. Charges incurred for treatment of temporomandibular or craniomandibular joint dysfunction and associated myofacial pain (except as provided by the Policy); 9. Charges for which benefits are paid or payable under any Workers Compensation or Occupational Disease Law or Act, or similar legislation; 10. Charges for injuries caused while: riding in or on; entering into or alighting from; or being struck by a 2 or 3-wheeled motor vehicle; or a motor vehicle not designed primarily for use on public streets or highways; 11. Participation in or practice for: interscholastic tackle football; intercollegiate sports; semi-professional sports; or professional sports (unless specifically covered under the Policy); 12. Covered Medical Charges for which the Covered Person would not be responsible for in the absence of this Policy; 13. Conditions that are not caused by a Covered Accident; 14. Any elective: treatment; surgery; health treatment; or examination; (including any: service; treatment; or supplies that: (a) are deemed by Us to be experimental; or (b) are not recognized and generally accepted medical practices in the United States; 15. Charges payable by any automobile insurance policy without regard to fault (this exclusion does not apply in any state where prohibited); 16. Orthopedic appliance used mainly to protect an Injury so that a Covered Person can take part in the Covered Activity; 17. Treatment of injuries that result over a period of time (such as: blisters; tennis elbow; etc.); 18. Treatment or services provided by a private duty nurse; 19. Replacement of artificial: limbs; eyes; larynx; dental devices; or any other prosthetic appliances; 20. Blood; blood plasma; or blood storage; except charges by a Hospital for processing or administration of blood; 21. Cosmetic; plastic; or restorative surgery; except needed as a result of the Covered Injury; 22. Any: treatment; service; or supply not specifically covered by the Policy; 23. Personal comfort or convenience items, such as but not limited to: Hospital telephone charges; television rental; or guest meals; 24. Charges incurred for: dental care; treatment; repair; or replacement of sound natural teeth; 25. Charges incurred for: eye examinations; eye glasses; contact lenses; or hearing aids or the: fitting; repair; or replacement of these items; 26. Routine physical examinations and related medical services; elective treatment or surgery; or investigative treatments of procedures; 27. A Medical Repatriation; 28. Charges for rest cures or custodial care; 29. Treatment in any: Veteran s Administration; Federal or state facility; unless there is a legal obligation to pay; 30. Services or treatment provided by an infirmary operated by the Policyholder; 31. Chiropractic treatment; 32. Treatment of an injury resulting from or contributing to by: frostbite; fainting; or seizures; or heatstroke; or heat exhaustion; 33. Aggravation of an injury the Covered Person suffered before participating in the activity, unless We receive a written medical release from the Covered Person s Physician. Accidental Death and Dismemberment Schedule of Covered Losses Covered Loss Loss of Life Loss of Two or More Hands or Feet Loss of Sight of Both Eyes Loss of Speech & Hearing (in both ears) Loss of One Hand or Foot Loss of Sight in One Eye Severance & Reattachment of One Hand or Foot Benefit 100% of the Principal Sum 100% of the Principal Sum 100% of the Principal Sum 100% of the Principal Sum Eligibility The Accident Bridge Programs are available to members up to age 70 and their legal spouses up to age 70. Definition of "spouse" varies by state. See the website or contact your agent for details about the definition of "spouse" in your state. Dependent children are eligible for coverage under the insured benefits. Benefits for dependent children will terminate upon attainment of a certain age. Ages vary by state. See the website or contact your agent for details about dependent child eligibility. Time Period for Loss Any Covered Loss must occur within 365 days of the Covered Accident. Loss of Speech Loss of Hearing (in both ears) Loss of Thumb & Index Finger of the Same Hand Loss of all Four Fingers of the Same Hand Loss of all the Toes of the Same Foot 25% of the Principal Sum 25% of the Principal Sum 20% of the Principal Sum Notice of Claim Written or authorized electronic/telephonic notice of claim must be given within 31 days after a Covered Loss occurs or begins or as soon as reasonably possible. If written or authorized electronic/telephonic notice is not given in that time, the claim will not be invalidated or reduced if it is shown that written or authorized electronic/telephonic notice was given as soon as was reasonably possible.

8 national association of As a non-profit member association, NACD strives to provide its members and their families with consumer education resources and access to affordable The accident insurance benefits included in the Accident Bridge program are underwritten by Catlin Insurance Company, Inc., Houston, Texas benefits and services. Founded in 2001, NACD has and are provided under the master Group assisted thousands of members by providing valuable consumer education resources, membership benefits and membership services. Unbelievably, the United States spent more on health care per capita ($8,608), and more on health care as a percentage of its GDP (17.9%), than any other nation in As a result, NACD now focuses much of its attention on educating members on how to overcome the rising costs of healthcare, the effects of the Affordable Care Act on their lives, and notifying them of the creation of innovative, money-saving healthcare services such as telemedicine. Insurance Policy issued to National Association of Consumer Direct, the master group policyholder. Catlin Insurance Company, Inc. has received a financial strength rating of A (Excellent) XV from A.M. Best. The Catlin Accident and Health team has built a strong reputation for tailoring individual underwriting solutions for a diverse portfolio of risks. The breadth of expertise at Catlin and their superior service levels allow them to underwrite a wide range of risks from personal accident and disability products to worldwide reinsurance treaties. This program is brought to you through membership in National Association of Consumers Direct. The NACD Advantage Membership with monthly dues of $4.95 is required to upgrade to the Accident Bridge program. Certain exclusions and limitations apply. Not available to residents in all states. The benefits and services included in NACD s memberships may be amended or deleted at any time at NACD s discretion. Void where prohibited. This program is available to dues-paying members age The Accident Bridge benefits will terminate upon attainment of age 70. The Accident Bridge program is NOT MAJOR MEDICAL INSURANCE, nor is it designed to replace major medical insurance. The accident benefits included in the Accident Bridge program are excepted benefits and are not considered health coverage.