Single Flat Option

One specified amount of coverage for all employees.

Dual Flat Option

Two specified amounts of coverage, employee elects one from amounts offered.

Salaried Option

Coverage is determined by salary (excludes overtime, bonus or extra pay).

Accidental Death & Dismemberment (AD&D)

Insurance benefits due to a covered accident, where covered person suffers a loss of life, specified loss or total loss of use - only employee s eligible for this coverage.

Specified & Total Loss

Loss of hand, foot, limb, sight, speech or hearing - paid according to a dismemberment schedule.

Coverage Reduction

Amount of coverage is reduced by a percentage at a certain age.

Beneficiary

Person or entity chosen to receive the insurance benefit at your death in accordance with the certificate's beneficiary provisions.

Certificate

Document describing the covered persons benefits and rights under the policy.

Covered Person

Eligible Employee or the Employee's dependents whose coverage becomes and remains effective under all the conditions and provisions of the policy.

Covered Accident

Accident occuring while policy is in force resulting in death or injury (subject to exclusions & limitations of policy).

Evidence of Insurability

Statement of health and medical history, used to determine approval for coverage or increase in coverage.

Guaranteed Issue

Maximum amount of insurance available under the policy without an Evidence of Insurability.

Proof of Loss

Written evidence that a covered person has satisfied the conditions and requirements for any benefit described in the certificate. Proof of loss shall establish: 1) Nature and extent of loss or condition, 2) Obligation to pay the claim and 3) Claimant's right to receive payment

Coma Benefit

Benefit paid if, direct result of a covered accident, if: 1) Covered person is injured, 2) Is rendered comatose or in a persistent vegetative state, 3) Occurs within 31 days of the covered accident, 4) Covered person remains comatose beyond the elimination period. Coma means complete and continuous unconsciousness and inability to respond to external or internal stimuli.         

Safety Equipment Benefit

Additional benefit paid if, direct result of a covered accident and if a covered person suffers loss of life while driving or riding in or on a private passenger motor vehicle, if: Seat Belt Benefit 1) Private passenger motor vehicle is equipped with seat belts; and 2) Seat belt was in actual use with all components properly fastened at time of covered accident; and 3) Position and actual use of the seat belt is certified, in writing, in the official report of the covered accident; Air Bag Benefit 1) Private passenger motor vehicle is equipped with and covered person is positioned in a seat protected by the properly functioning, original, factory installed supplemental restraint system: and 2) Supplemental restraint system inflation is certified, in writing, in the official report of the covered accident; Helmet Benefit 1) Covered person is wearing a helmet; and 2) Verification that a helmet was in use at the time of the accident is certified, in writing, in the official report of the covered accident.                                               

Exposure & Disappearance Benefit

Benefit paid if, due to a covered accident, a presumption of death can be made from exposure to the elements 1) Vehicle in which travelings disappears, sinks, is stranded or is wrecked as result of a covered accident; and 2) The body is not found within 1 year of the occurrence of the disappearance.