Supplement to the Guide to Benefits Executive Business Credit Card Only Policy Language Changes for 2016 Renewal
|
|
- Noah Walters
- 8 years ago
- Views:
Transcription
1 Supplement to the Guide to Benefits Executive Business Credit Card Only Policy Language Changes for 2016 Renewal MasterCard Business Executive Credit Card Program
2 Supplement Guide to Benefits Important information: Please read and save, this document contains changes to your MasterCard benefits. The information contained herein is provided solely for general informational purposes. It does not intend to be a complete description of all terms, conditions, limitations, exclusions, or other provisions of any program or insurance benefits provided by, or for, or issued to MasterCard. Selection of benefits on your MasterCard card may vary by card issuer. Please refer to your issuing financial institution for more details. General changes to all insurance programs (where applicable) The following definitions provide detailed information about General Terms and Definitions changes to your MasterCard Business Executive Credit Card Program which you can access as an eligible preferred Cardholder. AIG (The Company): means the Company underwriting the Insurance Coverage. Cardholder: Means a person who has an eligible Account whose name is on the surface (embossed or other) of an eligible MasterCard card provided by an Issuer in the Issuing Territory. Eligible Account: A MasterCard Cardholder who has an International use MasterCard card in his or her name which is issued by a MasterCard Issuer located and doing business in the Issuing Territory. Issuer: means a bank, financial institution (or like entity) or Corporation and/or Government Institution (CGI) that is admitted or and/or authorized by MasterCard to operate a MasterCard card program in the Issuing Territory. Issuing Territories: means Latin America and Caribbean Region territories where products are filed and/or filing is in process but regulator has approved benefit for sale, which includes but is not limited to: Antigua and Barbuda, Argentina, Aruba, Bahamas, Barbados, Bermuda, Brazil, Cayman Islands, Chile, Colombia, Costa Rica, Dominica, Dominican Republic, Ecuador, El Salvador, Grenada, Guatemala, Haiti, Honduras, Jamaica, México, Netherlands Antilles, Panamá, Perú, Puerto Rico, St. Kitts-Nevis & Anguilla, St. Maarten, Trinidad & Tobago, U.S. Virgin Islands, Uruguay, and Venezuela. NOTE: Some coverages are subject to filing and/or registration in some Issuing Territories. Policy: means a contract of insurance and any attached endorsements or riders issued by an authorized and licensed insurance company, AIG Insurance Company or its affiliates, to MasterCard to provide coverage in relation to the benefits that are offered to the MasterCard Program Cardholders whose issuers are located and do business in the Issuing Territories.
3 Rewards Program: means a program developed/offered by MasterCard and Issuer, allowing cardholders to earn value (mileage points, cash, etc.) and redeem rewards (merchandise, travel, etc.) on an eligible MasterCard card. An eligible Rewards Program must be a consequence of plastic /card transactions associated with MasterCard, regardless of the value earned (mileage points, cash, etc.). Rewards programs where points are not generated by plastic /card transactions, or not associated with MasterCard at all, are not considered eligible Rewards Programs. For a Cardholder to be eligible for coverage, he/she must pay all associated taxes, shipping and handling fees and any other required fees with his/her eligible MasterCard card or eligible MasterCard reward points. MASTER RENTAL Collision Damage Waiver Definition Changes to Master Rental Coverage 1. New Definition Account: Account: means an eligible MasterCard International-use Cardholder that is open and in good standing (not cancelled, suspended or delinquent) at the time of loss. 2. Revised Definition Market Value: Market Value: means a) the amount that a seller may expect to obtain for merchandise, services or securities in the open market; b) the price for which something would sell based on what they would sell for under current market conditions; c) the price of destroyed or damaged stock or goods. 3. Revised Definition Rental Company: Rental Company (or Car Rental Company ): means any commercial vehicle licensed rental agency which rents Rental Cars. LENGTH AND SCOPE OF COVERAGE YOU RECEIVE has been modified as follows: You may have difficulty utilizing the benefits of Master Rental in Australia, Ireland, Israel, Italy, Jamaica and New Zealand. Please contact your Rental Company before making your arrangements- Is replaced as follows: Cardholder may have difficulty utilizing the benefits of Master Rental in some countries or with some rental agencies. Cardholder should contact the Rental Company before making arrangements. What is not covered (Exclusions) has been expanded to include:
4 AIG and/or corresponding Reinsurer, if applicable, will not be liable to provide any coverage or make any payment hereunder if to do so would be in violation of any sanctions law or regulation which would expose AIG and/or corresponding Reinsurer, if applicable, its parent company or its ultimate controlling entity to any penalty under any sanctions law or regulation. HOW TO FILE A CLAIM SECTION has been modified as follows for Master Rental Required Information (proof of loss): g) Cardholder s monthly statement of account showing the account is open and in good standing at the time of filling the claim- is replaced as follows: g) The cardholder statement of account evidencing the eligibility of the account. MASTER TRAVEL INSURANCE Common Carrier Conveyance Insured Journey 24 Hours Definition Changes to Master Travel Coverage 1. New Definition Accidental Death Accidental Death: means, death due to unintentional, violent and external injury. The Company will pay the maximum Sum Insured applicable if an Injury to an Insured Person results in the Loss of life. The Loss must occur within the 365 Days from the date of the Accident or occurrence, which caused such injury. 2. Definition of Account has been further defined: Account: means and eligible MasterCard International-use Cardholder account that is open and in good standing (not cancelled, suspended or delinquent) at the time of common carrier ticket purchase. 3. Definition of Common Carrier Conveyance added Conveyance and added valid and in good standing: Common Carrier Conveyance: means any land, water or air conveyance operated under a valid and in good standing license for the transportation of passengers for hire for which a ticket has been obtained. 4. Additional verbiage added to Covered Trip: Covered Trip: means a trip where (a) the Insured Person s Common Carrier fare/ticket has been charged in full to an eligible Account, credit or debit transactions, or (b) purchased
5 with an eligible card, credit or debit transactions, that received mileage points, and other similar discounts from reward programs for travel issued by MasterCard or a MasterCard International Issuer, or (c) both point (a) and (b) of this definition by an Insured Person on behalf of another Insured Person. Additionally, if the above definition has been met and a change in airfare and/or change in flight and/or a class upgrade occurs, which was made with another means of payment or Rewards Program, it will also be considered a Covered Trip; however the maximum Sum Insured benefit amount will be based on the eligible Class Type (as Card Type) for the original passenger fare purchase and this will be the only benefit amount applicable. Such Covered Trip shall be deemed to have commenced when the Insured Person begins travel when the Common Carrier is scheduled for departure and continues until such time as the Insured Person completes travel, or up to the maximum scope of coverage where applicable. 5. New Definition - Dismemberment: Dismemberment (including Loss of sight, speech, hearing or paralysis): The Company will pay a percentage of the maximum Sum Insured if an Injury to the Insured Person results in one of the Losses shown in the table of Losses. The Loss must occur within the 365 days from the date of the Accident which caused the injury. In the event an insured person suffers more than one Loss (Paralysis or Dismemberment) as a result of any one Accident, only one benefit amount, the largest, will be paid. MASTER TRAVEL INSURANCE has been modified as follows: MasterCard Business Executive Card cardholders, their Spouse, and dependent children can benefit from comprehensive travel accident insurance coverage offered through Master Travel- Is replaced as follows: MasterCard Business Executive Card cardholders can benefit from comprehensive travel accident insurance coverage offered through Master Travel WHO IS COVERED has been modified as follows: MasterCard Business Executive Cards cardholders, the cardholder s Spouse and dependent Children whether traveling together or separately Is replaced as Follows MasterCard Business Executive Card cardholders Only.
6 What Are the Benefits Common Carrier Travel Accident has been modified as follows In the event of an accidental death while on a covered Trip, you can receive the maximum Principal Benefit Amount. For a covered Loss with Common Carrier Travel Accident Only, benefits are provided as a percentage of the maximum Principal Benefit per the following Schedule of Losses: Schedule of Losses For Loss of: Two Members One Member Thumb and Index Finger of Same Hand Quadriplegia (Paralysis) Paraplegia (Paralysis) Hemiplegia (Paralysis) Uniplegia (Paralysis) Percentage of Principal Sum Insured 100% 50% 50% 100% 75% 50% 25% What is not covered (Exclusions) has been expanded to include: AIG and/or corresponding Reinsurer, if applicable, will not be liable to provide any coverage or make any payment hereunder if to do so would be in violation of any sanctions law or regulation which would expose AIG and/or corresponding Reinsurer, if applicable, its parent company or its ultimate controlling entity to any penalty under any sanctions law or regulation. How to file a claim section has been modified as follows for MASTER TRAVEL INSURANCE Submission Period: No later than ninety (90) days from the date of Claim Notification. Required Information (proof of loss)has been modified as follows: c) Cardholder s statement of account showing the account is open and in good standing at the time of filling the claim- is replaced as follows: c) The cardholder statement of account evidencing the eligibility of the account. MASTER ASSIST PLUS
7 Medical Definition Changes to Master Assist Coverage 1. Definition of Account has been further defined by footnote: Account: means and eligible MasterCard International-use Cardholder that is open and in good standing (not cancelled, suspended or delinquent) at the time of Purchase of Common Carrier Ticket. 2. Definition of Common Carrier Conveyance added Conveyance and added valid and in good standing: Common Carrier Conveyance: means any land, water or air conveyance operated under a valid and in good standing license for the transportation of passengers for hire for which a ticket has been obtained. 3. Additional verbiage added to Covered Trip: Covered Trip: means a trip where (a) the Insured Person s Common Carrier fare/ticket has been charged in full to an eligible Account, credit or debit transactions, or (b) purchased with an eligible card, credit or debit transactions, that received mileage points, and other similar discounts from reward programs for travel issued by MasterCard or a MasterCard International Issuer, or (c) both point (a) and (b) of this definition by an Insured Person on behalf of another Insured Person. Additionally, if the above definition has been met and a change in airfare and/or change in flight and/or a class upgrade occurs, which was made with another means of payment or Rewards Program, it will also be considered a Covered Trip; however the maximum Sum Insured benefit amount will be based on the eligible Class Type (as Card Type) for the original passenger fare purchase and this will be the only benefit amount applicable. Such Covered Trip shall be deemed to have commenced when the Insured Person begins travel when the Common Carrier is scheduled for departure and continues until such time as the Insured Person completes travel, or up to the maximum scope of coverage where applicable. 4. Additional Verbiage Added to Dependent Children to include Disabled Children: Dependent Children: means named dependent child(ren), including adopted, step and foster and children of the Cardholder, aged between birth and 18 years; or 25 years if attending as a full time student at an accredited institution of higher learning, who are unmarried and permanently reside with the Cardholder and receive the majority of maintenance and support from the Insured Person. Children who are wholly dependent on the Insured Person for support and maintenance due to permanent physical or mental disability will be considered dependents of the Insured Person, if the insured person is eligible for benefits. To verify eligibility for the physically or mentally disabled dependent child(ren), the Cardholder may be requested to provide medical records for the physically or mentally disabled dependent child(ren).
8 5. Broadened Definition of Domestic Partner: Domestic Partner: means an opposite or a same sex partner who has met all of the following requirements for at least 12 months: (1) resides with the Insured Person at Insured Person s principal residence; (2) shares financial assets and obligations with the Insured Person; (3) is not related by blood to the Insured Person to a degree of closeness that would prohibit a legal marriage; (4) is at least the age of consent in the state in which they reside; and (5) neither the Insured Person or Domestic Partner is married to anyone else, nor has any other Domestic Partner.. 7. New Definition Member: Member: means, with regards to a Loss, one hand; one foot; sight of one eye; speech; or hearing in both ears. 9. Revised Definition Rewards Program: Rewards Program: means a program developed/offered by MasterCard and Issuer, allowing cardholders to earn value (mileage points, cash, etc.) and redeem rewards (merchandise, travel, etc.) on an eligible MasterCard card. An eligible Rewards Program must a consequence of plastic /card transactions associate with MasterCard, regardless of the value earned (mileage points, cash, etc.). Rewards programs where pointes are not generated by plastic /card transactions, or not associated with a MasterCard at all, are not considered eligible Rewards Programs. For a Cardholder to be eligible for coverage, he/she must pay all associated taxes, shipping and handling fees and any other required fees with his/her eligible MasterCard card. 10. New Definition Traveling Companion: Traveling Companion: means the person(s) traveling with the eligible Cardholder on the same schedule. What is not covered by Medical Expenses (Exclusions) has been modified as follows: 12. Pregnancy: sickness or injury related to pregnancy will not be covered if the sickness or injury occurs within 3 months of the expected (or actual) delivery date (three months before / three months after); What is not covered by MASTER ASSIST PLUS (General Exclusions) has been expanded to include: 11. AIG and/or corresponding Reinsurer, if applicable, will not be liable to provide any coverage or make any payment hereunder if to do so would be in violation of any sanctions law or regulation which would expose AIG and/or corresponding Reinsurer, if applicable, its
9 parent company or its ultimate controlling entity to any penalty under any sanctions law or regulation. How to file a claim section has been modified as follows for MASTER ASSIST PLUS: Submission Period: No later than ninety (90) days from the date of Claim Notification. ATM Protection: Definition Added to ATM Protection Definition of Account has been further defined: Account: means and eligible MasterCard International-use Cardholder account that is open and in good standing (not cancelled, suspended or delinquent) at the time of loss. CONDITIONS/LIMITATIONS HAVE BEEN MODIFIED AS FOLLOWS: In the event of a claim, notice must be provided to the Insurance Company within 90 days of the date of incident. Failure to give notice within ninety (90) days from the date of the incident may result in a denial of the claim (please refer to the section, How to File a Claim.) WHAT IS NOT COVERED by ATM Protection (Exclusions) has been expanded to include: AIG and/or corresponding Reinsurer, if applicable, will not be liable to provide any coverage or make any payment hereunder if to do so would be in violation of any sanctions law or regulation which would expose AIG and/or corresponding Reinsurer, if applicable, its parent company or its ultimate controlling entity to any penalty under any sanctions law or regulation. DEFINITIONS-ATM PROTECTION have been modified as follows: Loss with regards to ATM Protection means a Death caused by murder during an Assault within 2 hours of completing an ATM transaction with a covered card. Is replaced as follows: Loss means Robbery with violence / assault of cash withdrawn from an ATM or/and Death caused by murder during an Assault within 2 hours of doing an ATM transaction with a covered card. HOW TO FILE A CLAIM section has been modified as follows for ATM Protection: Claim Notification Period: Within ninety (90) days from the date of incident or discovery.
10 A new document has been added for Required Information (proof of loss): d) The Cardholder s statement of Account evidencing the eligibility of the Account. HOW TO FILE A CLAIM section has been modified as follows for ATM Protection, Master Rental, Master Travel Insurance and Master Assist Plus as follows: A new method to upload required information has been added: Submit all required information as outlined above by either: 1. Upload: mcresponse@ufac-claims.com 3. Fax: Mail: MasterCard Benefits Assistance Center c/o Program Administrator at Sedgwick Claims Management Services, Inc. PO Box Cleveland, OH, Payment of claim has been modified as follows: Where allowable by law, Benefit for Loss of Life is payable to the beneficiary designated by the Insured Person; if there has been no such designation, then to the Insured Person s first surviving beneficiary as follows: a) Spouse/Domestic Partner; or b) children, in equal shares; or c) parents, in equal shares; or d) brothers and sisters, in equal shares; or e) executor or administrator Subject to all applicable terms and conditions, all benefits will be paid to the Insured Person. Payment of any indemnity shall be subject to the laws and governmental regulations then in effect in the country of payment. IMPORTANT This summary of benefits is presented as general reference only. Please contact your card issuing bank to verify the benefits applicable to your card since some of them may not apply to every country due to compliance with local regulations.
Supplement to the Guide to Benefits Business Credit Card Only Policy Language Changes for 2016 Renewal. January 13 th, 2016
Supplement to the Guide to Benefits Business Credit Card Only Policy Language Changes for 2016 Renewal January 13 th, 2016 Document Revision History Revision Type Revised By Date Document Revision No.
More informationSupplement to the Guide to Benefits Gold Card Only Policy Language Changes for 2016 Renewal
Supplement to the Guide to Benefits Gold Card Only Policy Language Changes for 2016 Renewal Gold MasterCard Gold Credit Card Program Supplement Guide to Benefits Important information: Please read and
More informationAMERICAN BANKERS LIFE ASSURANCE COMPANY OF FLORIDA AND AMERICAN BANKERS INSURANCE COMPANY OF FLORIDA
AMERICAN BANKERS LIFE ASSURANCE COMPANY OF FLORIDA AND AMERICAN BANKERS INSURANCE COMPANY OF FLORIDA Certificate of Insurance No Fee MasterCard Cardholders Group Policy: CUNF0604 Effective Date: June 1,
More informationLife Insurance TABLE OF CONTENTS. Introduction... 3 Basic Life Insurance... 3 Amount of Coverage... 3. Eligibility... 8 Beneficiary... 8 Coverage...
Life Insurance TABLE OF CONTENTS Introduction... 3 Basic Life Insurance... 3 Amount of Coverage... 3 Eligibility... 3 Beneficiary... 4 Coverage... 4 Benefits... 4 Conversion Privilege... 4 Claims... 5
More informationAdditional Life Coverage Highlights Johnson County Community College
Additional Life and Accidental Death and Dismemberment (AD&D) Insurance Standard Insurance Company has developed this document to provide you with information about the optional coverage you may select
More informationACCIDENT INSURANCE ENDORSEMENT
THIS ENDORSEMENT ADDS ACCIDENT INSURANCE TO THE POLICY UNDER THE TERMS AND CONDITIONS STATED HEREIN, PLEASE READ IT CAREFULLY. ACCIDENT INSURANCE ENDORSEMENT NOTICE: THIS ENDORSEMENT PROVIDES ACCIDENT
More informationLife and AD&D Coverage Options
43 Life and AD&D Coverage Options Life Insurance Options Life insurance pays benefits if you die or if a dependent dies while covered by the plan. Adequate life insurance can provide important financial
More informationLife Insurance & Voluntary AD&D Insurance
30 Life Insurance & Voluntary AD&D Insurance Elective Benefits The Standard Life Insurance Plan Basic and Additional (Supplemental) Life Insurance Group Policy Effective Date January 1, 2012 It s not easy
More informationBMO Common Carrier C E R T I F I C A T E O F I N S U R A N C E
BMO Common Carrier C E R T I F I C A T E O F I N S U R A N C E Inside You ll find all You need to know about the BMO Common Carrier features and benefits included with Your BMO REWARDS MasterCard *. CERTIFICATE
More informationMasterCard Gold Credit Card Program
MasterCard Gold Credit Card Program Guide to Benefits Important information. Please read and save. This Guide to Benefits contains detailed information about extensive travel, insurance, and assistance
More informationAdditional Employee Life and AD&D Insurance
Additional Employee Life and AD&D Insurance Employee Life and Accidental Death & Dismemberment (AD&D) Insurance provides a source of income to your beneficiary in the event of your death while you are
More informationHCC Life Insurance Company (A stock insurance company) CERTIFICATE OF INSURANCE
Group Term Life Insurance HCC Life Insurance Company (A stock insurance company) CERTIFICATE OF INSURANCE Policyholder: SAMPLE CONTRACT Policy Number: 1234 Policy Effective Date: XX/XX/XXXX Policy Anniversary
More informationAdditional Life Insurance with AD&D Coverage Highlights The Salvation Army
Accidental Death and Dismemberment (AD&D) Standard Insurance Company has developed this document to provide you with information about the optional coverage you may select through. Written in non-technical
More information12505-645820-BROKERED
Voluntary Life Insurance Standard Insurance Company has developed this document to provide you with information about the optional coverage you may select through your employer. Written in non-technical
More informationLife Insurance and AD&D
Life Insurance and AD&D The plan provides you with life and accident coverage that gives you and your family protection against some of the financial hardships that can occur if you become injured or die.
More informationVII. Life & Accident Insurance Programs Table of Contents
VII. Life & Accident Insurance Programs Table of Contents About This Section...1 An Overview of the Life and Accident Insurance Programs...2 How Benefits Are Paid...2 Basic Life Insurance...3 Imputed Income...3
More informationATTACHMENT C BENEFIT AGREEMENT
ATTACHMENT C BENEFIT AGREEMENT 1. SUPPLEMENTAL LIFE INSURANCE PLAN Plan Design for Supplemental Life: Step rates for Supplemental Life insurance based upon age Coverage based on annual salary levels. 1-6X
More informationUNITED KINGDOM/ BRITISH PASSPORT SERVICE for Adults Ages 16 & Over
British, UK, United Kingdom Passport Renewal Call us for assistance Toll-free: (866) 378-1722 Local: (202) 684 7150 Fax: (866) 511-7599 1802 Vernon Street, NW Washington, DC 20009 Email: dc@travelvisapro.com
More informationLife Insurance and AD&D
Life Insurance and AD&D The plan provides you with life and accident coverage that gives you and your family protection against some of the financial hardships that can occur if you become injured or die.
More informationMAXIMUM INDEMNITY PER COVERED PERSON
American Express Cathay Pacific Credit Card / American Express Cathay Pacific Elite Credit Card Travel Accident Insurance ACE Insurance Limited (hereinafter called the "Company") hereby certifies an American
More informationThe Standard Life Insurance Company of New York Additional Life and AD&D Coverage Highlights Teachers College, Columbia University
Additional Life and Accidental Death and Dismemberment (AD&D) Insurance Life insurance coverage can help your family meet daily expenses, maintain their standard of living, pay off debt, secure your children
More informationAAD Group Accidental Death & Dismemberment Insurance Plan. Frequently Asked Questions
Frequently Asked Questions 1. Who is eligible? All AAD members in good standing who are under age 65 are eligible to enroll for this plan. If the Family Plan is selected, you may also enroll your lawful
More informationGROUP LIFE INSURANCE PROGRAM Group Life Insurance offers future protection for the people who depend on you for financial support today.
GROUP LIFE INSURANCE PROGRAM Group Life Insurance offers future protection for the people who depend on you for financial support today. If you are a regular, full-time employee, the Getty Life Insurance
More informationVirginia Polytechnic Institute and State University Voluntary Accidental Death & Dismemberment Insurance GTU 5091373
Virginia Polytechnic Institute and State University Voluntary Accidental Death & Dismemberment Insurance GTU 5091373 The following is a brief description of the Voluntary Accidental Death and Dismemberment
More informationSection. Basic Life Insurance and accidental Death & dismemberment insurance
Section b Basic Life Insurance and accidental Death & dismemberment insurance Section Page Coverage...B. 1 General Provisions...B. 1 Appeal of Denied Claims...B. 3 Conversion Privilege...B. 4 Insurer...B.
More informationGROUP BENEFIT PROGRAM HIGHLIGHTS
Group Disability GROUP BENEFIT PROGRAM HIGHLIGHTS When the death of a family provider occurs, families find themselves facing not only the loss of a loved one but also the loss of their financial security.
More informationYOUR PERSONAL ACCIDENT INSURANCE PLAN
YOUR PERSONAL ACCIDENT INSURANCE PLAN For Employees of City of Fort Smith 6CC000 B-13292 (1-12) CONTENTS CERTIFICATION PAGE............................................. 1 SCHEDULE OF BENEFITS...........................................
More informationVoluntary Accidental Death and Dismemberment Insurance. Answers to your questions about coverage from Standard Insurance Company
Voluntary Accidental Death and Dismemberment Insurance F O R E M P L O Y E E S O F K E N T S TAT E U N I V E R S I T Y Answers to your questions about coverage from Standard Insurance Company S TA N D
More informationYOUR GROUP LIFE INSURANCE PLAN
YOUR GROUP LIFE INSURANCE PLAN For Employees of State of South Dakota All Eligible Employees 6CC000 B-14517 (03-15) CONTENTS CERTIFICATION PAGE............................................. 1 SCHEDULE OF
More informationYOUR GROUP LIFE INSURANCE PLAN
YOUR GROUP LIFE INSURANCE PLAN For Employees of University System of New Hampshire 6CC000 Class I B-12270 11-12 E-Book CONTENTS CERTIFICATION PAGE............................................. 1 SCHEDULE
More informationCommunity College System of New Hampshire Basic Life, Additional Life, Spouse and Child Life, and Accidental Death & Dismemberment
Benefits at a Glance for Community College System of New Hampshire Group Policy # 152335 Effective Date January 1, 2011 (Date of last revision: 10/22/13) I. Basic Life and Accidental Death and Dismemberment
More informationGROUP LIFE INSURANCE POLICY
GROUP LIFE INSURANCE POLICY Sponsor: Lee County Board of County Commissioners Policy Number: SA3-850-291182-01 Effective Date: January 1, 2014 Governing Jurisdiction is Florida and subject to the laws
More informationPLAN DESCRIPTION for the Members of WORLDWIDE ASSURANCE FOR EMPLOYEES OF PUBLIC AGENCIES, INC.
PLAN DESCRIPTION for the Members of WORLDWIDE ASSURANCE FOR EMPLOYEES OF PUBLIC AGENCIES, INC. Underwritten by LIFE INSURANCE COMPANY OF NORTH AMERICA Philadelphia, Pennsylvania. A Stock Insurance Company,
More informationOptional Accidental Death And Dismemberment Insurance
Optional Accidental Death And Dismemberment Insurance For Employees Participating In OEBB Plans Standard Insurance Company Optional Accidental Death And Dismemberment Insurance About This Brochure This
More informationAuto Rental Insurance Basic Benefits
Auto Rental Insurance Basic Benefits NOTICE: This document is a summary of the policy and is intended to be distributed in its entirety to cardholders. If an issuer uses excerpts of this material to distribute
More informationYOUR GROUP PERSONAL ACCIDENT INSURANCE PLAN
YOUR GROUP PERSONAL ACCIDENT INSURANCE PLAN For Employees of Etiwanda School District 6CC000 CSEBA Account 33 B-14973 6-14 Elec CONTENTS OUTLINE OF COVERAGE........................................... 1
More informationHow To Get A Disability Insurance Plan In California
Personal Accident Insurance Plan ACCIDENTAL DEATH and DISMEMBERMENT COMA BENEFITS PERMANENT TOTAL DISABILITY DAY CARE BENEFIT EDUCATION BENEFITS REHABILITATION BENEFIT SEAT BELT/AIR BAG PROVISION CHILDREN
More informationYOUR GROUP LIFE INSURANCE PLAN
YOUR GROUP LIFE INSURANCE PLAN AUTOMOTIVE INDUSTRIES WELFARE FUND SUPPLEMENTAL LIFE INSURANCE $10,000 BENEFIT CONTENTS CERTIFICATION PAGE............................................. 1 SCHEDULE OF BENEFITS...........................................
More informationYOUR GROUP PERSONAL ACCIDENT INSURANCE (PAI) PLAN
YOUR GROUP PERSONAL ACCIDENT INSURANCE (PAI) PLAN For Employees of SANTA BARBARA COUNTY SUPERIOR COURT 6CC000 B-10135 2-12 (200) CONTENTS OUTLINE OF COVERAGE...........................................
More informationOverview. Survivor Insurance
Overview Survivor Insurance Survivor Insurance Boston University offers you insurance plans that provide benefits to help maintain financial security for your beneficiaries in the event of your death.
More informationCity of Moberly. Your Group Life and Accidental Death and Dismemberment Plan
City of Moberly Your Group Life and Accidental Death and Dismemberment Plan Identification No. 420359 011 Underwritten by Unum Life Insurance Company of America 12/4/2015 CERTIFICATE OF COVERAGE Unum
More informationGroup Life And AD&D Insurance Coverage
Group Life And AD&D Insurance Coverage The California State University Standard Insurance Company Group Life Insurance The following is a brief description of some of the coverage highlights for The California
More informationYOUR GROUP PERSONAL ACCIDENT INSURANCE PLAN
YOUR GROUP PERSONAL ACCIDENT INSURANCE PLAN For Employees of Louisana Sheriffs Association 6CC000 B-15023 (09-14 DRAFT) CONTENTS CERTIFICATION PAGE............................................. 1 SCHEDULE
More informationYOUR GROUP LIFE INSURANCE PLAN
YOUR GROUP LIFE INSURANCE PLAN For Employees of Lincolnshire Prairie View School District 103 Class IV - Full-time Staff 6CC000 NIHIP Account 31 B-12602 11-14 Elec CONTENTS CERTIFICATION PAGE.............................................
More informationVoluntary Group Accidental Death & Dismemberment Insurance
Voluntary Group Accidental Death & Dismemberment Insurance 0159298 American Foreign Service Protective Association Voluntary Group Accidental Death & Dismemberment Insurance Plan Protect the Ones You Love
More informationMasterCard Platinum Credit Card Program
1 MasterCard Platinum Credit Card Program Guide to Benefits Important information. Please read and save. This Guide to Benefits contains detailed information about extensive travel, insurance, and assistance
More informationTRAVEL ACCIDENT INSURANCE CERTIFICATE AMEX (MIDDLE EAST) B.S.C. (C)
TRAVEL ACCIDENT INSURANCE CERTIFICATE AMEX (MIDDLE EAST) B.S.C. (C) TRAVEL ACCIDENT (Applicable to travel in public conveyances). Travel Accident Insurance Certificate [Amex (Middle East)] 51UK428967 This
More informationNORTHERN NEW ENGLAND BENEFIT TRUST LIFE INSURANCE ACCIDENTAL DEATH & DISMEMBERMENT INSURANCE
NORTHERN NEW ENGLAND BENEFIT TRUST LIFE INSURANCE ACCIDENTAL DEATH & DISMEMBERMENT INSURANCE LIFE INSURANCE ACCIDENTAL DEATH AND DISMEMBERMENT INTRODUCTION Life Insurance and Accidental Death & Dismemberment
More informationLife and Accident Insurance
Life and Accident Insurance Honda offers basic life and accident insurance and business travel insurance benefits for you or your survivors in the event of your accidental death or serious injury. Table
More informationGroup term life and AD&D insurance
Group term life and AD&D insurance Employer information for groups with 51+ eligible employees Effective October 1, 2011 blueshieldca.com Life and accidental death and dismemberment (AD&D) insurance are
More informationName of Insured Organization: Name of Insured Organization: Policy Number: Policy Number:
Name of Insured Organization: Name of Insured Organization: Policy Number: Policy Number: Please note that this is not a credit card or medical insurance card. Please note that this is not a credit card
More informationYour Life, AD&D and Disability Benefits Guide. Enroll Now To Help Secure Your Financial Future. Southern Methodist University
Your Life, AD&D and Disability Benefits Guide Enroll Now To Help Secure Your Financial Future Welcome To Your Life, AD&D And Disability Benefits Guide Protect What Matters Most Building a financial safety
More informationTerm Life and AD&D Insurance
Term Life and AD&D Insurance Employee Benefit Booklet JEFFERSON COUNTY COMMISSION F019105-0001 Class 1-01 and 1-02 Products and services marketed under the Dearborn National brand and the star logo are
More informationVOLUNTARY ACCIDENTAL DEATH & DISMEMBERMENT INSURANCE
SCOPE OF INSURANCE ELIGIBILITY VOLUNTARY ACCIDENTAL DEATH & DISMEMBERMENT INSURANCE This Voluntary Accident Insurance Plan provides accident coverage 24 hours a day...365 days a year...worldwide...on or
More informationLife and AD&D Insurance Effective February 1, 2015
Life and AD&D Insurance Effective February 1, 2015 TABLE OF CONTENTS Introduction... 2 Life Insurance and AD&D General Provisions... 2 Amount of Coverage and Eligibility Waiting Period... 2 Effective Date
More informationQMA LIFE INSURANCE. Program. Complete the application provided, and mail to: Apply Now! Québec Medical Association
QMA LIFE INSURANCE Program Apply Now! Complete the application provided, and mail to: Québec Medical Association 380 1000 Saint-Antoine de la Gauchetière West West Suite 3200 660 Montréal Montreal (Québec)
More informationEmployee Group Benefits UNDERWRITTEN BY SUN LIFE ASSURANCE COMPANY OF CANADA
Employee Group Benefits UNDERWRITTEN BY SUN LIFE ASSURANCE COMPANY OF CANADA Health Science Campus - Life Insurance GROUP POLICY NUMBER - 234782-001 BOOKLET EFFECTIVE DATE - January 1, 2014 BOOKLET AMENDMENT
More informationAccidental Dismemberment Insurance Claims
Your group insurance benefits City of Port Moody CUPE Inside & Outside Your Group Insurance Benefits City Of Port Moody Class :104 CUPE Inside & Outside Policy :33773 Effective Date :May 1, 2013 Table
More informationYOUR GROUP LIFE INSURANCE PLAN
YOUR GROUP LIFE INSURANCE PLAN For Employees of Riverside Unified School District Class 2: Board of Education Members, Deputy and Assistant Superintendents 6CC000 SCSEBA Accounts 30 & 31 B-13891 12-12
More informationTHE STANDARD LIFE AND AD&D INSURANCE
THE STANDARD LIFE AND AD&D INSURANCE Standard Insurance Company provides Life, Accidental Death and Dismemberment (AD&D) for eligible Bloomfield School District (BSD) employees and dependents Basic Term
More information10-YEAR AND 20-YEAR LEVEL TERM LIFE INSURANCE PLANS. Underwritten by New York Life Insurance Company. Designed by Veterinarians for Veterinarians
10-YEAR AND 20-YEAR LEVEL TERM LIFE INSURANCE PLANS Designed by Veterinarians for Veterinarians Valuable Benefits. Remarkable Service. Underwritten by New York Life Insurance Company WE VE GOT YOU COVERED
More informationSTANDARD INSURANCE COMPANY
STANDARD INSURANCE COMPANY A Stock Life Insurance Company 900 SW Fifth Avenue Portland, Oregon 97204-1282 (503) 321-7000 CERTIFICATE GROUP LIFE INSURANCE Policyholder: Johnson County Community College
More informationImportant information regarding your Certificate of Insurance:
Symetra Life Insurance Company Telephone: 1-800-SYMETRA or 1-800-796-3872 777 108th Avenue NE, Suite 1200 Bellevue, WA 98004-5135 Important information regarding your Certificate of Insurance: This Certificate
More informationTravel Accident Insurance Summary Plan
TRAVEL ACCIDENT INSURANCE SUMMARY PLAN DESCRIPTION February 2014 Travel Accident Insurance Summary Plan Description for Oak Ridge Associated Universities Principle Address: P.O. Box 117 Oak Ridge, TN 37831-0117
More informationCOLORADO HIGHER EDUCATION INSURANCE BENEFITS ALLIANCE TRUST (CHEIBA TRUST)
Mutual of Omaha Insurance Company Voluntary Accidental Death and Dismemberment Insurance Program Made Available By: COLORADO HIGHER EDUCATION INSURANCE BENEFITS ALLIANCE TRUST (CHEIBA TRUST) MC31649_1106
More informationTHE ALUMNI INSURANCE PLAN
SPONSOR AND PRESENT THE ALUMNI INSURANCE PLAN GROUP INSURANCE UNDER YOUR PERSONAL CONTROL OPTIONAL ACCIDENTAL DEATH AND DISMEMBERMENT INSURANCE AVAILABLE DEVELOPED and ADMINISTERED by UNDERWRITTEN BY 1
More informationREPORT OF THE KNOWLEDGE TRANSFER NETWORK*
Distr. LIMITED LC/L.3379(CEA.6/7) 19 October 2011 ENGLISH ORIGINAL: SPANISH Sixth meeting of the Statistical Conference of the Americas of the Economic Commission for Latin America and the Caribbean Bávaro,
More informationBusiness Banking Visa Debit Card Transit Accident Insurance
Transit Accident Insurance Business Banking Visa Debit Card Transit Accident Insurance Effective for purchases finalised on or after 1st July 2015 Complimentary Cover Your complimentary cover will provide
More informationManitoba Public School Employees Group Life Insurance Plan. Financial protection for every member of your family. What could be more important?
Manitoba Public School Employees Group Life Insurance Plan Financial protection for every member of your family What could be more important? WELCOME Welcome to the Manitoba Public School Employees Group
More informationYOUR GROUP LIFE INSURANCE PLAN
YOUR GROUP LIFE INSURANCE PLAN 6CC000 B-7882 10-13 (E-Book) CONTENTS CERTIFICATION PAGE............................................. 1 SCHEDULE OF BENEFITS........................................... 2
More informationAccidental Death & Dismemberment Conversion Package
Accidental Death & Dismemberment Conversion Package Accidental Death & Dismemberment Conversion Package Converting your Accidental Death & Dismemberment Coverage from the Group Policy to an Individual
More informationState of Louisiana All Employees
State of Louisiana All Employees Basic Term Life Insurance Basic plus Supplemental Term Life Insurance Accidental Death and Dismemberment Insurance Dependent Term Life Insurance The Prudential Insurance
More informationYOUR PERSONAL ACCIDENT INSURANCE PLAN
YOUR PERSONAL ACCIDENT INSURANCE PLAN For Employees of Knox County Government and Knox County School Board Knox County Government 6CC000 B-12803 04-11 CONTENTS CERTIFICATION PAGE.............................................
More informationOptional Life Insurance Program under the Group. Life and Disability Insurance Program
Optional Life Insurance Program under the Group Life and Disability Insurance Program This section provides an overview of employee Optional Life Insurance and answers these questions: Life and Program,
More informationVoluntary Group Accident Insurance Program
Voluntary Group Accident Insurance Program Designed for the Eligible Retired Persons (Retirees) of LLNS BENEFIT PROGRAM SUMMARY IMPORTANT NOTICE: The Benef it Program provides ACCIDENT insurance only.
More informationEmployee Group Benefits UNDERWRITTEN BY SUN LIFE ASSURANCE COMPANY OF CANADA
Employee Group Benefits UNDERWRITTEN BY SUN LIFE ASSURANCE COMPANY OF CANADA Howard University and Howard University Hospital D.B.A. Howard University, Inc. YOUR GROUP LIFE INSURANCE CONTAINS AN ACCELERATED
More informationBASIC LIFE AND ACCIDENTAL DEATH & DISMEMBERMENT UNDERWRITTEN BY LIFEWISE ASSURANCE COMPANY
BASIC LIFE AND ACCIDENTAL DEATH & DISMEMBERMENT UNDERWRITTEN BY LIFEWISE ASSURANCE COMPANY This summary of benefits explains the key features of your Group Life and AD&D benef its. The contrac t between
More informationSTANDARD INSURANCE COMPANY
STANDARD INSURANCE COMPANY A Stock Life Insurance Company 900 SW Fifth Avenue Portland, Oregon 97204-1282 (503) 321-7000 CERTIFICATE GROUP LIFE INSURANCE Policyholder: Colorado Employer Benefit Trust (CEBT)
More informationYOUR GROUP LIFE INSURANCE PLAN
YOUR GROUP LIFE INSURANCE PLAN For Employees of Five Colleges 6CC000 B-13192 05-12 CONTENTS CERTIFICATION PAGE............................................. 1 SCHEDULE OF BENEFITS...........................................
More informationAccidental Death and Dismemberment Insurance
Benepac Insurer Accidental Death, Dismemberment and Specific Loss Indemnity Industrial Alliance Insurance and Financial Services Inc. (IA) The loss or permanent and total loss of use must occur within
More informationVoluntary Accidental Death and Dismemberment (AD&D) Insurance
Voluntary Accidental Death and Dismemberment (AD&D) Insurance For Employees of The California State University Standard Insurance Company Voluntary AD&D Insurance About This Brochure This booklet is designed
More informationEmployee Life and AD&D Insurance
Employee Life and AD&D Insurance Employee Life and Accidental Death & Dismemberment (AD&D) Insurance provides a source of income to your beneficiary(ies) in the event of your death while you are employed
More informationEmployee Group Benefits UNDERWRITTEN BY SUN LIFE ASSURANCE COMPANY OF CANADA
Employee Group Benefits UNDERWRITTEN BY SUN LIFE ASSURANCE COMPANY OF CANADA INTEGRITYOne Partners, Inc. YOUR GROUP LIFE INSURANCE CONTAINS AN ACCELERATED BENEFITS OPTION. RECEIPT OF ACCELERATED BENEFITS
More informationGroup Voluntary Accidental Death and Dismemberment Insurance FOR EMPLOYEES OF CITY OF WICHITA
Group Voluntary Accidental Death and Dismemberment Insurance FOR EMPLOYEES OF CITY OF WICHITA Answers to your questions about coverage from Standard Insurance Company STANDARD INSURANCE COMPANY About This
More informationStand Alone Accidental Death and Dismemberment Program. Description of Benefits
Stand Alone Accidental Death and Dismemberment Program Description of Benefits When to Use this Product When you need ultimate flexibility to choose desired AD&D coverage benefits When customization of
More informationVisa Card Auto Rental Collision Damage Waiver
Your Guide to Benefit describes the benefit in effect as of 4/1/14. Benefit information in this guide replaces any prior benefit information you may have received. Please read and retain for your records.
More informationGroup Voluntary Accidental Death And Dismemberment Insurance
Group Voluntary Accidental Death And Dismemberment Insurance For Employees of Employers Participating in the Washington Counties Insurance Fund Answers To Your Questions About Coverage From The Standard
More informationVisa Inc. MetLife Life and AD&D Insurance Plan. Summary of Benefits for Employees
Visa Inc. MetLife Life and AD&D Insurance Plan Summary of Benefits for Employees Effective January 1, 2013 MetLife Life and AD&D Insurance Plan 1 Table of Contents BENEFITS UNDER THE LIFE AND AD&D PLAN...
More informationYOUR GROUP LIFE INSURANCE PLAN
YOUR GROUP LIFE INSURANCE PLAN For Employees of North Dakota Public Employees Retirement System 6CC000 B-13092 (01-14) CONTENTS CERTIFICATION PAGE............................................. 1 SCHEDULE
More informationGROUP INSURANCE STATE OF LOUISIANA
Y O U R E N R O L L M E N T K I T GROUP INSURANCE Basic Term Life Insurance Basic Term Life & Supplemental Term Life Insurance Accidental Death & Dismemberment (AD&D) Insurance Dependent Term Life Insurance
More informationLife Insurance TABLE OF CONTENTS
Life Insurance TABLE OF CONTENTS Benefit Details... 2 Life Insurance Benefits For You... 2 Supplemental Accidental Death And Dismemberment Insurance... 2 Changes In Amounts... 2 Definitions... 2 General
More informationNEW PROGRAM EFFECTIVE 1/1/2015 AOPA ACCIDENTAL DEATH & DISMEMBERMENT (AVIATION INCLUDED) INSURANCE CERTIFICATE NO-COST BENEFIT FOR PARTICIPATING
NEW PROGRAM EFFECTIVE 1/1/2015 AOPA ACCIDENTAL DEATH & DISMEMBERMENT (AVIATION INCLUDED) INSURANCE CERTIFICATE NO-COST BENEFIT FOR PARTICIPATING MEMBERS (100) RELIASTAR LIFE INSURANCE COMPANY CERTIFICATE
More informationPublic Employees Benefits Agency. Public Employees Group Life Insurance Plan
Public Employees Benefits Agency Public Employees Group Life Insurance Plan Table of Contents INTRODUCTION...2 ELIGIBILITY...3 Employer Responsibility Enrolment Spouse Dependent Child BENEFITS...5 Basic
More informationMcMaster University Voluntary Accidental Death & Dismemberment Insurance (AD&D) CHUBB Insurance Company of Canada Policy #6477 45 51-04
McMaster University Voluntary Accidental Death & Dismemberment Insurance (AD&D) CHUBB Insurance Company of Canada Policy #6477 45 51-04 CHUBB Insurance Company of Canada SCOPE OF INSURANCE This Voluntary
More informationVoluntary Term Life Benefit Summary
Policyholder: Linfield College Voluntary Term Life Benefit Summary Effective Date: 04/01/2015 This chart provides you a brief summary of the key benefits of the life coverage available from Principal Life
More informationTHE AVAYA INC. LIFE INSURANCE PLANS Active Represented SUMMARY PLAN DESCRIPTION. Effective 1/1/2013 Last Updated 3/31/2013
THE AVAYA INC. LIFE INSURANCE PLANS Active Represented SUMMARY PLAN DESCRIPTION Effective 1/1/2013 Last Updated 3/31/2013 Helpful search tools: Table of Contents (TOC): Each item on the TOC is a hyperlink
More informationSTANDARD INSURANCE COMPANY
STANDARD INSURANCE COMPANY A Stock Life Insurance Company 900 SW Fifth Avenue Portland, Oregon 97204-1282 (503) 321-7000 CERTIFICATE AND SUMMARY PLAN DESCRIPTION GROUP LIFE INSURANCE Policyholder: Administrators
More informationState of Louisiana. Employee Term Life Coverage Accidental Death and Dismemberment Coverage Dependents Term Life Coverage
State of Louisiana Employee Term Life Coverage Accidental Death and Dismemberment Coverage Dependents Term Life Coverage Foreword We are pleased to present you with this Booklet. It describes the Program
More information