Optional Children's Term Life Coverage
Available to Members/Associate Members at a cost of $1.50 per month. This optional term coverage is available for unmarried children age 14 days through 22 years who are not eligible for USBA Membership. Children’s Coverage is term coverage and is continuable as long as premiums are paid when due, the Member continues to be insured under USBA-sponsored Group Life Plan, and the children remain eligible.
Insured 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 Group Whole Life coverage, for the following schedule:
| Child's Age
|
Coverage Amount
|
| 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 through 22 years |
$5,000
per child |
Optional Accidental Death and Dismemberment (AD&D)
Coverage
Available to Members and Associates at a cost of $2.00 per month, the full coverage amount of $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.
