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Accidental Death and Dismemberment Insurance Additional Coverage for HQ Staff

In addition to basic Accidental Death and Dismemberment Insurance, HQ-based staff (excluding ETC/ETT, STC/STTs) may enroll in optional Accidental Death and Dismemberment Insurance Additional Coverage at any time without evidence of good health. Staff pay the full premium for optional coverage.

  • Optional Individual coverage doubles the staff member's coverage only, so coverage is 600 percent for the death of a staff member, 150 percent for a spouse or DP, and 75 percent for each eligible child.
  • Optional Family coverage doubles all basic coverage, so coverage is 600 percent for the death of a staff member, 300 percent for a spouse or DP, and 150 percent for each eligible child.

Optional AD&D coverage is based on three times the staff member's net annual salary. Optional Individual AD&D coverage is currently $0.008 per $1,000 coverage per paycheck, and Optional Family AD&D coverage is currently $0.011 per $1,000 coverage per paycheck. Premiums are subject to change. (These rates are effective 1/1/2019.) You may enroll at any time.

Example: a staff member earns $48,040. The net salary basis is the salary rounded up to the nearest $1,000, or $49,000. The premium is calculated on three times net salary coverage ($49,000 x 3, or $147,000). For Optional Individual AD&D coverage, the per paycheck premium would be $0.008 x $147,000/1,000, or $1.18. For Optional Family AD&D coverage, the per paycheck premium would be $0.011 x $147,000/1,000, or $1.62.

Use this link to find out how to Purchase/Increase or Reduce/Cancel the Bank Group's Optional Group Accidental Death & Dismemberment Insurance.

"Principal sum" is defined as the amount of the claim paid for the accidental death. For example, for a staff member earning $100,000 net per annum with basic (Bank-paid) Accidental Death Insurance coverage only, the principal amount would be $300,000 in the event of accidental death of the staff member, and $150,000 in the event of the accidental death of the spouse of the staff member.

This section is a summary only and does not guarantee coverage. The Accidental Death and Dismemberment insurance policy governs actual eligibility and coverage levels. The riders below are effective for accidental deaths on or after January 1, 2006.

  • Coma Benefit Rider
  • Day Care Benefit Rider
  • Seat Belt Benefit Rider
  • Tuition Benefit Rider (for eligible dependent child)
  • Tuition Benefit Rider (for spouse/registered domestic partner)
  • Rehabilitation Benefit Rider
  • Home Alteration and Vehicle Modification Benefit Rider

Coma Benefit Rider

If an injury renders an insured person comatose within 90 days of the date of the accident that caused the injury, and if the coma continues for a period of 30 consecutive days, the insurer will pay a monthly benefit of 1 percent of the principal sum. No benefit is provided for the first 30 days of coma. The benefit is payable monthly as long as the insured remains comatose due to that injury, but ceases on the earliest of:

  • the date the insured ceases to be comatose due to that injury; or
  • the date the insured dies; or
  • the date the total amount of monthly coma benefits paid for all injuries caused by the same accident equals 100 percent of the basic coverage.

Day Care Benefit Rider

If an insured person (staff member or spouse/registered domestic partner) suffers accidental death such that a claim is payable, the insurer will pay a benefit on behalf of any insured dependent child under age 13 who was insured on the date of the accident and who:

  • is enrolled in a Day Care Center on the date of the insured person's death; or
  • enrolls in a Day Care Center within 60 days after the insured person's death.

The benefit is payable for each year of the insured dependent child's enrollment in a Day Care Center. The total amount of the benefit each year is equal to the least of

  • the actual cost of care for that insured dependent child charged by that Day Care Center for that year; or
  • 5 percent of the deceased's claim amount; or
  • $5,000.

The benefit is not payable for any period of enrollment in a Day Care Center before the date of the accident. The benefit is not payable for any period of enrollment after the earlier of:

  • the date the insured dependent child reaches 13 years of age; or
  • four years after the later of the date of the insured person's accidental death or the date the insured dependent child first enrolls in a Day Care Center.

Seat Belt Benefit Rider

The insurer will pay a benefit when an insured person suffers accidental death which occurs while the insured person is operating, or riding as a passenger in, an automobile and wearing a properly fastened, original, factory installed seat belt or, if the insured person is a child, a properly installed and fastened child restraint device as defined by state law. The amount payable is the lesser of:

  • $10,000; or
  • 10 percent of the insured person's principal sum.

Tuition Benefit Rider (for eligible dependent child)

If an insured person (staff member or spouse/registered domestic partner) suffers accidental death such that a claim is payable, the insurer will pay a benefit to or on behalf of any insured dependent child under age 26 who was insured on the date of the accident causing death and who, on the date of the insured's death:

  • is a full-time student in any institution of higher learning above grade 12; or
  • is in grade 12 and subsequently enrolls as a full-time student in an institution of higher learning within 365 days after the date of death.

The benefit will be paid for each year of the insured dependent child's continuous enrollment as a full-time student in an institution of higher learning, to a maximum of four consecutive years. The total amount of the benefit each year is equal to the least of:

  • the actual tuition (exclusive of room and board), or
  • 5 percent of the insured's principal sum on the date of the accident causing death; or
  • $5,000.

An insured dependent child who ceases to be enrolled as a full-time student becomes permanently ineligible for the benefit, even if he or she reenrolls at a later date. The benefit is not payable for any term of enrollment as a full-time student that begins before the date of death. If there is no insured dependent child under age 26 eligible for the benefit within 365 days after the date of the insured’s death, the insurer will pay a one-time lump sum benefit of $1,000 to the insured’s designated beneficiary.

Tuition Benefit Rider (for spouse/registered domestic partner)

If an insured staff member suffers accidental death such that a claim is payable, the insurer will pay a benefit to or on behalf of any insured spouse or registered domestic partner who was insured under the policy on the date of the accident causing death and who, for the purpose of obtaining an independent source of support or to enrich his or her ability to earn a living:

  • is enrolled in any institution of higher learning or professional or trade training program on the date of the insured's death; or
  • subsequently enrolls in an institution of higher learning or professional or trade training program within 30 months after the date of the insured's death.

The benefit will be paid for each year of the insured spouse's (or registered domestic partner's) continuous enrollment in an institution of higher learning or professional or trade training program, to a maximum of four consecutive years. The total amount of the benefit for all institutions and programs combined each year is equal to the least of:

  • the total actual tuition (exclusive of room and board) charged by those institutions or programs for enrollment during that year; or
  • 5 percent of the insured's principal sum on the date of the accident causing death; or
  • $5,000.

An insured spouse or registered domestic partner who ceases to be enrolled as described above becomes permanently ineligible for the benefit, even if he or she reenrolls at a later date. The benefit is not payable for any term of enrollment that begins before the date of the insured's death. If there is no insured spouse or registered domestic partner eligible for the benefit within 30 months after the date of the insured's death, the insurer will pay a one-time lump sum benefit of $1,000 to the insured's designated beneficiary.

Rehabilitation Benefit Rider

If an insured person suffers an accidental dismemberment or an accidental paralysis for which an Accidental Dismemberment or Paralysis benefit is payable, the insurer will reimburse the insured person for covered rehabilitative expenses that are due to the injury causing the dismemberment or paralysis. The covered rehabilitative expenses must be incurred within two years after the date of the accident causing that injury, up to a maximum of $10,000 for all Injuries caused by the same accident. Covered rehabilitative expense(s) means an expense that:

  • is charged for a "Medically Necessary Rehabilitative Training Service" of the insured person performed under the care, supervision or order of a physician; and
  • does not exceed the usual level of charges for similar treatment, supplies or services in the locality where the expense is incurred (for a hospital room and board charge, does not exceed the most common charge for hospital semi-private room and board in the hospital where the expense is incurred); and
  • does not include charges that would not have been made if no insurance existed. Covered rehabilitative expenses do not include any expenses for or resulting from an injury for which the insured person is entitled to benefits paid or payable by Workers' Compensation or other similar law.

Medically Necessary Rehabilitative Training Service means any medical service, medical supply, medical treatment or hospital confinement (or part of a hospital confinement) that:

  • is essential for physical rehabilitative training due to the injury for which it is prescribed or performed; and
  • meets generally accepted standards of medical practice; and
  • is ordered by a physician.

Home Alteration and Vehicle Modification Benefit Rider

If an insured person suffers an accidental dismemberment or paralysis for which an Accidental Dismemberment and Paralysis benefit is payable; and who did not, prior to the date of the accident causing such loss(es), require the use of a wheelchair to be ambulatory; and who as a direct result of such loss(es) is now required to use a wheelchair to be ambulatory; then the insurer will pay Covered Home Alteration and Vehicle Modification Expenses that are incurred within one year after the date of the accident causing such losses, up to a maximum of $10,000 for all such losses caused by the same accident. Covered Home Alteration and Vehicle Modification Expenses as used in this Rider, means one-time expenses that are charged for

  • alterations to the insured person's residence that are necessary to make the residence accessible and habitable for a wheelchair-confined person; or
  • modifications to a motor vehicle owned or leased by the insured person or modifications to a motor vehicle newly purchased for the insured person that are necessary to make the vehicle accessible to and/or drivable by the insured person.

This does not include charges that would not have been made if no insurance existed. The costs may not exceed the usual level of charges for similar alterations and modifications in the locality where the expense is incurred. The alterations to the insured person's residence and the modifications to his or her motor vehicle must be

  • made on behalf of the insured person; and
  • recommended by a nationally-recognized organization providing support and assistance to wheelchair users; and
  • carried out by individuals experienced in such alterations and modifications; and
  • in compliance with any applicable laws or requirements for approval by the appropriate government authorities.

Covered Home Alteration and Vehicle Modification Expenses do not include any expenses for or resulting from any condition for which the insured person is entitled to benefits under any Workers' Compensation Act or similar law.