The full coverage amount—$5,000—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—$2,500—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, speech or hearing means its total and permanent loss. No more than $5,000 will be paid for all losses from any one accident.
Limitations and 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.
Coverage is not available to residents of Oregon and Texas.
Effective Date of Coverage
Coverage for Eligible New Members will be effective on the date of USBA’s approval of your USBA Membership Enrollment Form.
Pamela Oyler, an employee of USBA, is a licensed Arkansas Agent whose License Number is 347836.
Pamela Oyler, an employee of USBA, is a licensed California Agent whose License Number is 0G58528.
This coverage may be continued until June 1st following your 66th birthday provided you pay your premiums when due, your USBA Membership is continued and the Group Policy is not terminated or modified to end your coverage.
This coverage description outlines the principle provisions of the USBA Group Accidental Death & Dismemberment (AD&D) Policy. Complete details are in Group Policy G-5393-0 (Policy Form GMR) issued to USBA by New York Life Insurance Company. Each insured Member will receive a Certificate of insurance which summarizes the policy provisions affecting their AD&D insurance coverage. After the initial year of no-cost AD&D coverage the premium for continuation is $3.00 per year.