NASW Insurance Plans

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Secure Up to $200,000 in Additional Accidental Death & Dismemberment Cash Benefits to Help Your Loved Ones

An accident can happen at any time, anywhere… on the road, at work, on vacation or at home. Every 10 minutes 2 people are killed and 498 suffer a disabling injury.*

So try as you might, you cannot be sure you will always be safe. But you can help make sure your loved ones are financially prepared if something happens to you.

The NASW Assurance Services Accident Protection Insurance Plan guarantees your acceptance for up to $200,000 in accident coverage if you’re under age 70 and a resident of the U.S. This additional money could go a long way toward helping your family pay day-to-day living expenses, ensure your children’s education, pay medical bills and rebuild their lives.

With the Accident Protection Plan, you’re protected from many types of accidents—auto accidents, falls, fires, drownings and more. And you’re covered anytime, anywhere ... at home, at work, vacation ... on top of any other insurance you may already have.

Your spouse/domestic partner under age 70 is guaranteed acceptance too.

For more information, call toll-free (866) 514-8974.

*National Safety Council, Injury Facts, 2008.

Policy Form # GBD-1000 A (ADD-11243)

NASW Assurance Services Accidental Death & Dismemberment Insurance Protection...

Provides NASW members with an easy and affordable way to help provide their loved ones with up to $200,000 in additional cash if you die or are seriously injured in a covered accident.

You’re Guaranteed Acceptance

As an NASW member under age 70, you're guaranteed acceptance. No medical exam or health questions are required. Your spouse/domestic partner under age 70 is also guaranteed acceptance. You and your spouse/domestic partner must be residents of the U.S.

Choose Your Benefit Amount

As a member of NASW, you may choose between a $100,000 benefit amount and a $200,000 benefit amount. Your spouse / domestic partner may choose between a $50,000 benefit amount and a $100,000 benefit amount (not to exceed 50% of your benefit amount.)

Collect Double Benefits for Plane, Train, or Taxi Accidents

If your covered loss occurs as a result of an accident while a passenger on a licensed Common Carrier (plane, train, bus, etc.), double your selected benefit amount will be paid to your designated beneficiary.

Pays up to $10,000 additional for Seatbelts or Airbags

If you were wearing a seatbelt or were seated in a motor vehicle equipped with an airbag and die as a result of the accident, your loved ones will receive an additional $10,000—on top of your selected benefit amount.

If your spouse/domestic partner loses his/her life from an accident and was wearing a seatbelt or protected by an airbag, you (the member) (or other designated beneficiary) will collect an additonal $2,000 on top of the spouse/domestic partner’s chosen benefit amount.

If it cannot be determined whether the injured member or spouse/domestic partner was wearing a seatbelt at the time of the accident, $1,000 additional will be paid instead.

Reimburses up to $2,000 for Repatriation

If your (the member's) covered accidental death occurs at least 100 miles from home, an additional benefit up to $2,000 will be paid for the preparation and transportation of your body to the place of burial or cremation.

Provides Additional Felonious Assault Benefits (NEW!)

If you (the member) are seriously injured or killed due to a robbery, kidnapping or criminal assault, an additional Felonious Assault benefit of $5,000 is paid on top of the selected benefit amount.

Pays Benefits for Serious Injuries

If you or your spouse/domestic partner are seriously injured from an accident, you’ll collect a percentage of your benefit amount depending on the injury—Such injuries include loss of limbs, movement of limbs, sight, speech and hearing. Please see Certificate of Insurance for complete details.

Pays Additional $3,000/Year in Education Benefits for Your Children

If you die as the result of an accident and your child(ren) are enrolled full-time at an accredited institution of learning on the date of your death or enroll within one year of your death, the plan will pay your children (or legal guardian) $3,000/year for up to four years.

Questions?

Call toll-free (866) 514-8974

Policy Form # GBD-1000 A (ADD-11243)

NASW Accident Protection Monthly Rates

You and your loved ones can collect additional benefits for seatbelt usage, common carrier accidents and more. And you pay an affordable group rate:

Coverage Levels	$100,000	$200,000
Member Only	$6	$10
Member & Spouse	$10	$12

Rates and/or benefits may be changed on a class basis. Spouse/Domestic partner coverage may not exceed 50% of member’s benefit amount. The above rates are monthly rates. For your convenience, you'll be billed quarterly.

For more information, call toll-free (866) 514-8974.

Policy Form # GBD-1000 A (ADD-11243)

When Coverage Begins
Your coverage will become effective on the first day of the month following the Administrator’s receipt of your enrollment form and first premium payment.

When Coverage Ends
As long as you pay your premiums when due, and the Master Policy remains in force, you can keep this coverage until you reach age 70. Coverage for your spouse/domestic partner terminates when he/she is no longer eligible due to age or marital/domestic partner status, failure to pay premiums, or your coverage ends.

Exclusions
The Policy does not cover any loss caused or contributed to by: intentionally self-inflicted Injury; suicide or attempted suicide, whether sane or insane; war or act of war, whether declared or not; Injury sustained while on full-time active duty as a member of the armed forces (land, water, air) of any country or international authority; (We will refund the pro rata portion of any premium paid for You or Your Dependent while You or Your Dependent are in the armed forces on full-time active duty, for a period of two months or more. Written notice must be given to Us within 12 months of the date You or Your Dependent enter the armed forces); Injury sustained while taking drugs, including but not limited to sedatives, narcotics, barbiturates, amphetamines, or hallucinogens unless as prescribed by or administered by a Physician; Injury sustained while driving while Intoxicated; Injury sustained while On any aircraft: a) as a pilot, crewmember or student pilot; b) as a flight instructor or examiner; c) if it is owned, operated or leased by or on behalf of the Policyholder or organization whose eligible persons are covered under The Policy; or Injury sustained while committing or attempting to commit a felony. Intoxicated means: the blood alcohol content; the results of other means of testing blood alcohol level; or the results of other means of testing other substances; that meet or exceed the legal presumption of intoxication, or under the influence, under the law of the state where the accident occurred.

Injury means bodily injury resulting directly from accident and independently of all other causes which occurs while you or your spouse / domestic partner are covered under the policy. Loss resulting from:
a) sickness or disease, except a pus-forming infection which occurs through an accidental wound; or
b) medical or surgical treatment of a sickness or disease; is not considered as resulting from Injury.

Common Carrier means a conveyance operated by a concern, other than the Policyholder, organized and licensed for the transportation of passengers for hire and operated by an employee of that concern.

This information explains the general purpose of the insurance described, but in no way changes or affects Master Policy ADD-11243 as actually issued. In the event of a discrepancy between this information and the policy, the terms of the policy apply. All benefits are subject to the terms and conditions of the policy. Policies underwritten by Hartford Life and Accident Insurance Company detail exclusions, limitations, reduction of benefits and terms under which the policies may be continued in full or discontinued. Complete details are in the Certificate of Insurance issued to each insured individual and the Master Policy issued to the policyholder. This program may vary and may not be available to residents of all states.

Questions?
Call toll-free (866) 514-8974

Sponsored by:
Underwritten by: Hartford Life and Accident Insurance Company Simsbury, CT 06089

The Hartford® is The Hartford Financial Services Group, Inc., and its subsidiaries, including issuing company Hartford Life and Accident Insurance Company.

Administered by:
Association Group Insurance Administrators
P.O. Box 22859, Santa Barbara, CA 93121-9912

Endorsed by:
This program, offered through NASW Assurance Services, is endorsed by the National Association of Social Workers.

Policy Form # GBD-1000 A (ADD-11243)

Accident Protection

Strength in Numbers

Because of NASW's strength in numbers, NASW Assurance Services was able to secure group insurance benefits for members. The result: valuable coverages offering affordable group rates you'd be hard-pressed to find anywhere else.