LOOK AT THESE FACTS. Accidental Death & Dismemberment Protection. There s a need for Accidental Death & Dismemberment Protection!
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1 Accidental Death & Dismemberment Protection There s a need for Accidental Death & Dismemberment Protection! LOOK AT THESE FACTS National Safety Council s 2002 Injury Facts makes it clear Accidents are the fifth leading cause of death for people of all ages. Accidents are the leading cause of death for individuals age 1 to 34. An accidental injury occurs every two seconds; an accidental death every six minutes. Over $500 billion is spent on accidental injuries each year. These are costs every individual and household pays whether directly, out of pocket, or through higher prices for goods and services.
2 Accidental Death & Dismemberment Protection offers coverage that protects the Member and his or her family against devastating losses which occur when death or disability strikes as a result of an accident. CIGNA s Plan offers coverage for: Death Living benefits for Dismemberment, Coma, Paralysis, Loss of Limbs, Loss of Eyesight, Loss of Speech and Loss of Hearing. Family, Medical, Travel, Occupational, Recreational and Military Risks. Who s Eligible: Plan Options: Members (up to age 70); Plan benefits up to $250,000 or more. Spouses (up to age 70); Dependent Children (up to age 19 or up to age 25, if a full-time student) Once a Member is covered, it s easy to enroll the Member s Spouse and Dependent Children. The Sponsoring Organization has the choice of offering its Members any number of plans: 24 hour Accident or AD&D Plan. Over 30 Optional Coverages that were designed to further enhance and personalize any AD&D Plan Design. Stand Alone Options that can be sold independently, without having to include a 24 hour, AD&D Plan, or used to further add value to an existing AD&D Plan Design.
3 Here is our list of optional features that can be added to a Basic AD&D Plan Design: Family Options Bereavement and Trauma Counseling Provides a benefit for bereavement and trauma counseling to help surviving family members cope with a loss. Childcare Center Provides a benefit for Childcare Expenses. Child Survivor Provides a lump sum benefit when a child reaches the age of majority. Increased Dependent Child Dismemberment Provides a benefit for continuing medical, rehabilitation and educational expenses for a Dependent Child. Spouse Survivor Provides a monthly benefit to a Member s surviving Spouse. Spouse Retraining Provides a benefit to reimburse a Spouse for educational training for employment. Special Education Provides an educational expense benefit for Dependent Children. Elder Survivor Provides a Lump Sum, Monthly or Lump Sum and Monthly benefit to Surviving Elderly Dependents. Medical Options Accidental Burn Disfigurement Provides a benefit for reconstructive or cosmetic surgery. Ambulance Provides a benefit for required ambulance service. Brain Damage Provides a benefit if brain damage is suffered as a result of an injury. Diagnostic X-Ray & Laboratory Provides a benefit for required diagnostic X-Ray and laboratory examinations. Emergency Room Provides a benefit for Emergency Room Treatment. Home Alteration & Vehicle Modification Provides a benefit for Home Alteration and/or Vehicle Modification to maintain a Surviving Insured s independent lifestyle. Hospital Stay Provides a benefit for an Inpatient hospital stay. Outpatient Surgery Provides a benefit for Outpatient Surgery. Physical Therapy Provides a benefit when Outpatient Physical Therapy is needed to treat an accidental injury. Rehabilitation Provides a benefit for Rehabilitative Services that will help prepare an Insured to return to his/her occupation. Total Disability Weekly Benefit Provides a Weekly Benefit, for up to 26 weeks, for an Insured s Total Disability. Waiver of Premium Provides a benefit that waives premiums and continues coverage for Insured Members who become totally disabled.
4 Travel Options Business Travel Provides a benefit while traveling for business purposes. Carjacking Provides a benefit while driving, getting into or out of or riding as a passenger in a vehicle that is carjacked. Common Accident Provides a double benefit to surviving Dependent Children if both Insured Parents die in the same accident. Hijacking & Air Piracy Provides a benefit for hijacking, air piracy, or unlawful seizure or attempted seizure of an aircraft. Repatriation Provides a benefit for expenses incurred for the return of remains to an Insured s country. Seatbealt/Airbag Provides a benefit when use of a seatbelt and/or deployment of an airbag fail to prevent death. Occupational Options Bulletproof Vest Provides a benefit when, in the line of duty, an Insured suffers a fatality from a bullet s penetration through a bulletproof vest. HIV Occupational Accident Provides a benefit when the performance of Occupational Duties results in an Insured acquiring and testing positive for Human Immunodeficiency Virus (HIV) antibodies. Recreational Options Hunting Provides a benefit if the Insured was participating in the Sport of Hunting. Military Options Armed Forces Provides a benefit while an Insured is on active duty in the Armed Forces National Guard & Armed Forces Reserve Provides a benefit while the Insured is serving as a Member of the U.S. Military Reserve or National Guard. War Risk Provides a benefit due to war or an act of war. OTHER OPTIONS Association Members Provides a benefit while attending or participating in events sponsored by a Sponsoring Organization or while traveling to or from such event. Burial & Cremation Provides a benefit for burial or cremation expenses. Escalator Provides a benefit that allows for the Principal Sums of the covered Member and Spouse to be automatically increased each year to help add more value to future benefits. Exposure & Disappearance Provides a benefit when loss of life is presumed because of unavoidable exposure to the elements or an Insured is not found, within one year of the date of his/her disappearance. Felonious Assault and Violent Crime Provides a benefit if an Insured is a victim of a violent crime or felonious assault.
5 Here is our list of optional features, for a Stand Alone Plan, that can be sold independently of a 24 hour AD&D Plan Design Bonus Provides a benefit for 24 hour AD&D coverage or limited coverage for Travel AD&D. Common Carrier Provides a benefit while riding, getting into or out of the common carrier, as a fare paying passenger in or being struck by a common carrier such as an aircraft. Private Passenger Provides a benefit when driving, riding as a passenger in, or getting in or out of a Private Vehicle. Scheduled Air Travel Provides a benefit when riding as a passenger in, or getting on or off a commercial airline on any scheduled or chartered flight. Law Enforcement Officers Provides a benefit for a loss suffered in the line of duty. Permanent Total Disability Provides a benefit when an Insured suffers Permanent Total Disability and remains totally disabled with injuries that are considered permanent. CIGNA offers an exclusive Beneficiary Program, CIGNAssurance, that capitalizes on our broad capabilities and expertise in Member Benefits that s automatically included, free of charge, when this plan is sold to a Sponsoring Organization. CIGNAssurance is offered to all Accidental Death beneficiaries with claims over $5,000: CIGNAssurance SM Access to a Free Interest Bearing Account with Draft Privileges. Free, Confidential Bereavement Counseling, by phone, with Grief Counselors, included 24 hours/7 days a week. Free, Face-to-Face, Counseling Sessions with Trained, Professional Behavioral Health Experts. Free Legal Assistance, by phone, from Licensed, Practicing Attorneys. Free Planning Guidebook Helps Beneficiaries Navigate Through Legal and Financial Responsibilities. Free Financial Assistance, by phone, from Experienced Financial Professionals.
6 CIGNA S CLAIM PHILOSOPHY When it comes to paying claims, we share a common interest: to be fair, to be prompt and to be accountable for our decisions! Claims are processed with a sense of urgency, integrity and objectivity. CIGNA prides itself on treating customers and claimants as we would want to be treated. Claims processing with a sense of urgency, integrity and objectivity: ~ Our goal is to process 100% of your Client s claims within 10 days of receipt. ~ We are committed to minimizing delays with accurate and high quality reviews of all submitted claims. ~ Your Clients will have direct access to our Benefit Analysts and Technical Specialists. Extended Customer Service: ~ We welcome the opportunity to arrange for Office Visitations from potential Clients. NOTE: This information is intended to be a brief overview of the benefits available under this Plan. It does not provide costs, limitations, exclusions and terms under which the coverage may be kept in force. The Plan is subject to state filing and approval, and may vary slightly, or not be available by jurisdiction in accordance with applicable laws and regulations. CIGNA Group Insurance products and services are provided exclusively by underwriting subsidiaries of CIGNA Corporation, including Life Insurance Company of North America, CIGNA Life Insurance Company of New York, and Connecticut General Life Insurance Company. CIGNA is used to refer to these subsidiaries and is a registered service mark. This program may not be available in all states.
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