Accidental Death & Dismemberment Insurance Benefit
Members who are under the age of 60 at the time they join APPA as part of their membership benefits are provided with $10,000 of accidental death and dismemberment insurance protection.
As a member you may also apply for additional AD&D up to $500,000!
Accidental death and dismemberment (AD&D) may help provide financial security should a sudden, covered accident take your life or cause you serious loss or harm. It may help your family meet long-term financial needs – household expenses, childcare, saving for college and retirement – if a wage earner dies from a covered accident or is recovering from a sudden, covered accident.
APPA Optional AD&D from MetLife is not only competitively priced,1 but in addition to your existing life insurance coverage, it can provide a cost-effective way to obtain additional protection for your family and finances should the unexpected happen.
SUBMISSION INSTRUCTIONS
After completing, sign and date the form on the last page where indicated. Make a copy for your records and mail to APPA.
APPA
12444 Powerscourt Dr, Suite 500A
St Louis, MO 63131
Discuss your plan options with your plan Representative.
Please contact your plan Representative at 1-866-978-2974 for information about your plan options. Your plan Representative will bill you directly. You can pay semi-annual, quarterly, annually by check, or make online payment.
What is AD&D?
A. Extra protection that may help provide financial security should a sudden covered accident take your life or cause you serious harm. It compliments your life insurance coverage, providing protection 24 hours a day, 365 days a year.
What does AD&D cover?2
A. AD&D insurance may pay a benefit if you have a covered accident that results in the loss of limb, speech, hearing or sight, or paralysis. If you suffer a fatal covered accident, benefits are payable to your beneficiary. (Please see your Plan Summary for details.)
What level of coverage is right for you?
A. To determine the level of coverage that's right for you, ask yourself if your family would be able to maintain its standard of living without your wages. How well could you or your family deal financially with a family member's accidental injury or death?
The amount of AD&D coverage you select is called the “full amount” and is equal to the benefit payable for the loss of life. Benefits for other losses are payable as a predetermined percentage of the full amount based on your employer's plan. Dependent spouse/domestic partner and child(ren) coverage may also be available.
Please see your Plan Summary for details.
1Cost of insurance rates is determined using methodologies that vary by company. These rates can vary and will generally increase with age. Rates for active members may be different than those available to terminated or retired members. It's important to look at all factors when evaluating the overall competitiveness of rates and the value of life insurance coverage.
2Accidental Death & Dismemberment insurance does not include payment for any loss which is caused by or contributed to by: physical or mental illness, diagnosis of or treatment of the illness; an infection, unless caused by an external wound accidentally sustained; suicide or attempted suicide; injuring oneself on purpose; the voluntary intake or use by any means of any drug, medication or sedative, unless taken as prescribed by a doctor or an over-the-counter drug taken as directed; voluntary intake of alcohol in combination with any drug, medication or sedative; war, whether declared or undeclared, or act of war, insurrection, rebellion or riot; committing or trying to commit a felony; any poison, fumes or gas, voluntarily taken, administered or absorbed; service in the armed forces of any country or international authority, except the United States National Guard; operating, learning to operate, or serving as a member of a crew of an aircraft; while in any aircraft for the purpose of descent from such aircraft while in flight (except for self preservation); or operating a vehicle or device while intoxicated as defined by the laws of the jurisdiction in which the accident occurs. Specific information pertaining to your insurance can be obtained by contacting your plan Representative.
AD&D insurance is issued by Metropolitan Life Insurance Company, 200 Park Avenue, New York, NY 10166 on policy form MLA-6000 and MLA-6001. Like most insurance policies, insurance policies offered by MetLife and its affiliates contain certain exclusions, exceptions, reductions, limitations, waiting periods and terms for keeping them in force. Read More
The information contained herein is offered as insurance Industry insight and provided as an overview of current market risks and available coverages and is intended for discussion purposes only. This publication is not intended to offer legal advice or client specific risk management advice. Any description of insurance coverages is not meant to interpret specific coverages that your company may already have in place or that may be generally available. General insurance descriptions contained herein do not include complete Insurance policy definitions, terms and/or conditions, and should not be relied on for coverage interpretation. Actual insurance policies must always be consulted for full coverage details and analysis. Insurance brokerage and related services to be provided by Gallagher Affinity Insurance Services, Inc. (License No. 100310679 | CA License No. 0783129).
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