Accidental Death & Dismemberment Insurance

FACT ELITE members automatically receive $25,000 of Accidental Death and Dismemberment insurance.  Insurance is underwritten by Federal Insurance Company, a member insurer of the Chubb Group of Insurance Companies. This literature is descriptive only.  Actual coverage is subject to the language of the policies as issued (#99068875).  Exclusions Apply.  Chubb, Box 1615, Warren, N.J. 07061-1615.  Chubb has provided insurance services to individuals and businesses for over 128 years and receives consistently high ratings for financial strength from A.M. Best, Moody's and Standard & Poor's, the leading independent analysts of the insurance industry.
  • Coverage Highlights:
  • Accidental Death & Dismemberment Insurance provides protection for the Primary Member, Spouse, and Unmarried Dependent Children 24 hours a day -- worldwide! -- on and off the job and while traveling for business or pleasure and applies to accidental loss of life, dismemberment or paralysis according to the following schedule:
  • Covered Loss
    Benefit
    Loss of life; Loss of speech & hearing; Loss of speech and one hand, one foot or sight of one eye; loss of hearing and of either one hand, foot or sight of an eye; Loss of both hands or both feet or sight of both eyes; a combination of any two of a loss of one hand, one foot or sight of one eye; Quadriplegia

     

    $25,000
    Paraplegia
    $18,750
    Hemiplegia; Loss of one hand, one foot or sight of one eye; Loss of speech or hearing

    $12,500
    Uniplegia; Loss of thumb and index finger of the same hand
    $6,250
  • Common Carrier Benefit:  The above payment schedule is DOUBLED for a covered loss occurring from accidents resulting while Insured Person is in, entering or exiting a Common Carrier.
     
  • Extensions of Insurance:   Exposure - If a covered Accident causes an Insured Person to be unavoidably exposed to the elements and as a result of such exposure an Insured Person has a Loss, then such Loss will be insured under this policy. Disappearance – If an Insured Person has not been found within one year of the disappearance, stranding, sinking, or wrecking of any Conveyance in which an Insured Person was an occupant at the time of the Accident, then it will be assumed, subject to all other terms and conditions of the policy, that an Insured Person has suffered Loss of Life insured under the policy.

    In-hospital Accident Insurance:
    The Insurance Plan described above includes an enhanced in-hospital benefit which pays $100 per day ($200 daily for ICU) after 3 days of hospital confinement. This benefit is payable for up to 5 consecutive days.

  • Both of the above coverages become effective on the 1st day of the second month following the effective date of your FACT ELITE membership. (Example: If your membership effective date is September 30, your coverage becomes effective on November 1).
  • There is nothing you need to do in order to receive the above coverages.
  • As a FACT ELITE member in good standing, this important protection belongs to you and your entire family.
  • The cost is included in your FACT ELITE dues.
    For complete terms, conditions and exclusions refer to the Description of Coverage (DOC), CLICK HERE.
  • How to File a Claim:
  • To obtain a claim form go to the carrier’s website (www.chubb.com). Click on “Report a Loss," then click on “Accident and Health," and then select the appropriate claim form and print. Complete all items on the required claim form, attach all appropriate documents, and mail or fax to: CHUBB GROUP OF INSURANCE COMPANIES, CLAIMS SERVICE CENTER, 600 INDEPENDENCE PARKWAY, P.O. BOX 4700, CHESAPEAKE, VA 23327-4700, PHONE NUMBER 1-800-252-4670 Fax Number 1-800-300-2538.