USBA Children's Coverage is low-cost term insurance designed to protect your eligible children (unmarried children age 14 days through 22 years) who are not eligible for USBA Membership. Stepchildren must be dependent on the member for over 50% of their support. If both parents are insured with USBA coverage, only one parent may request Children's Coverage.

One unit of Children's Coverage is available with Fifty Plus Group Whole Life. The monthly premium is just $1.50--and it covers all of your eligible children as per the schedule below. And, the older your kids get, the more protection USBA Children's Coverage provides.

Children's coverage can continue as long as premiums are paid when due, you continue to be insured under a USBA-sponsored Group Life Plan, and the children remain eligible.

One Unit Insures All Eligible Dependent Children By Age:*

14 days to 6 months	$1,000 per child
6 months to 2 years	$2,000 per child
2 years to 3 years	$4,000 per child
3 years thru 22 years	$5,000 per child

Optional AD&D Coverage

You can add $40,000 of Accidental Death and Dismemberment (AD&D) to your USBA-sponsored Group Life coverage for $2.00 per month. This optional coverage is available to Members and Associate Members. (Children must be age 18-22 to qualify for Associate Membership.)

AD&D Benefit - The full coverage amount--$40,000--is payable for accidental loss of life, the loss of both hands or feet, the sight of both eyes, or any two of the preceding. Half the coverage amount--$20,000--is payable for the loss of one hand or foot or the sight of one eye.

The loss must be the direct result of a covered accident that occurs while coverage is in force and within 90 days of the accident. Loss of a hand or foot means severance at or above the wrist or ankle. Loss of sight means its total and permanent loss. No more than $40,000 will be paid for all losses from any one accident.

AD&D coverage ends on the June 1st following the insured's 66th birthday or earlier if the insured ceases to be insured under a USBA-sponsored Group Life Plan.

Exclusions - AD&D benefits are not provided for losses due to air travel, unless the insured is riding solely as a passenger. Other exclusions include losses due to war; insurrection; riot; terrorist activity; commission of a felony or assault; illegal use of drugs, hallucinogens, etc.; use of alcohol; sickness or disease or its medical or surgical treatment; intentionally self-inflicted injuries; or suicide. AD&D benefits may not be denied due to suicide if insane, unless it can be shown that the insured intended to commit suicide at the time coverage was requested.