Accidents Do Happen

No one plans to have a serious accident, so when one happens the financial consequences can be devastating. The MNCPA Accidental Death & Dismemberment (AD&D) Plan gives you broad accident coverage, 24 hours a day, worldwide. You're covered at home, at work, on vacation, on the road, for practically every activity. See the exclusions section of the brochure when you click on "Get a Quote" on the right-hand side for more information.

Choose a minimum of $50,000 to a maximum of $500,000 in increments of $25,000. This is worldwide, 24-hour-a-day coverage that pays in addition to any other insurance you may have. All members under age 70 will automatically be accepted into this plan.

Family Coverage

Your spouse/domestic partner and unmarried dependent children (less than age 23) are also guaranteed coverage. Your spouse/domestic partner benefits are 40% of the benefit amount you choose and dependent child(ren)'s benefits are 10% of your benefit. If no spouse/domestic partner coverage is elected, each dependent child's coverage is 15% of your benefit. If no child coverage is elected, your spouse's/domestic partners benefits are 50% of your coverage.

Take a look at the enrollment form and brochure under the "Forms" tab for information on additional benefits such as:

• Safe Driver Benefit
• Education Benefits
• Child Care Benefits Paid To Your Family
• Coma Benefit
• Common Carrier Benefit
• Total And Permanent Disability
• Training Benefit
• Elder Care Benefit
• Expose and Disappearance Benefit
• Transportation Benefit
• Burn Disfigurement Benefit
• Rehabilitation Benefit
• Common Disaster Benefit

EXCLUSIONS

ReliaStar Life does not pay benefits for loss directly or indirectly cause by any of the following:

• An accident occuring before the Effective Date of the Group Policy
• Suicide or intentionally self-inflicted injury, while sane or insane.
• Physical or mental illness.
• Bacterial infection or bacterial poisoning. Exception: Infection from a cut or wound caused by an accident.
• Riding in or descending from an aircraft as a pilot or crew member.
• Any armed conflict, whether declared as war or not, involving any country or government.
• An accident which occurs while in the military service for any country or government.
• An accident which occurs when you commit or attempt to commit a crime.
• Voluntary use of any drug, medication, or sedative unless –
  – prescribed by a doctor and
  – taken as directed by a doctor or the manufacturer.
• Driving or operating a motor vehicle while intoxicated. Intoxicated means your blood alcohol content meets or exceeds the legal presumption of intoxication under the laws of the state where the accident occurred.

Below is the plan's rate chart:

Rates do not increase with age. Rates shown are guaranteed until June 30, 2024. For your convenience, you will be billed annually. If applicable, an additional $2.00 billing fee will be included on your billing notice payable to the administrator. To save the fee, select Electronic Funds Transfer (EFT) as a safe and secure payment options.

This is a summary of benefits only. A complete description of benefits, limitations, exclusions and termination of coverage will be provided in the certificate of coverage. All coverage is subject to the terms of the group policy. If there is any discrepancy between this document and the group policy documents, the policy documents will govern.

Accidental Death and Dismemberment insurance coverage is provided under the terms of a health insurance policy, Group Policy 64269-0 issued and delivered in the state of Minnesota, and governed by its laws, to the Minnesota Society of Certified Public Accountants as the policyholder. The group health insurance policy is issued by ReliaStar Life Insurance Company, Minneapolis,Minnesota. The policy is powered on behalf of ReliaStar Life Insurance Company by Association Member Benefits Advisors, an insurance manager licensed in the state of Minnesota. Policy Form HP010GP.

This is a paid endorsement. The MNCPA receives a fee from the insurance broker and/or the insurer for its endorsement of this plan.