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NASW Accidental Death & Dismemberment Insurance Plan

If an Accident occurs - make SURE you're financially prepared with NASW's AD&D Plan


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Accidental Death and Dismemberment (AD&D) Insurance Plan

A distracted driver, a missed step, or a fall off a ladder could wreak havoc on your family's finances. But with the NASW AD&D Insurance Plan you can help make sure your family is more financially secure if you are seriously injured or die from a covered accident.

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Acceptance GUARANTEED!

Based on your valued status as an NASW Member, you are now guaranteed acceptance for an important expansion in your NASW Member benefits.

You do not need to prove you “qualify” … there are no long forms to fill out.

But you MUST register your acceptance by enrolling. We require a record of your acceptance and your first premium payment before your coverage can be put in force.

Up to $100,000 To Help Your Loved Ones Pay The Bills

No matter how seriously you take safety while you’re at home or while you're out and about …
Regardless of how “defensively” you drive…
Even with countless safety regulations at work …
Accidents DO happen.

That's why NASW set up this safety net … and authorized your Guaranteed Acceptance for up to $100,000 in NASW endorsed coverage.

You cannot be turned down when you enroll for this coverage today. As an NASW Member under age 70, you and your spouse can get $100,000 of coverage on a Guaranteed Acceptance basis for a few dollars a month.

Register now for up to $100,000 in benefits to your loved ones if you fell victim to a fatal covered accident.

Registering for this expanded NASW-endorsed Member benefit can mean cash benefit payments of up to $100,000 for your family – to help pay for groceries or any other bills — if you’re in a fatal accident. This includes:

  • Motor vehicle crashes
  • Accidental falls
  • Fires
  • Drowning
  • Wrecking an ATV or motorcycle
  • Falling from a tree stand
  • Hypothermia
  • And much more

*At age 70, all coverage is reduced by 50%.


Provides you with an easy and affordable way to help provide your loved ones with up to $100,000* in additional cash if you die or are seriously injured in a covered accident.


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.


If you sustain an Injury that results in any of the following Losses within 90 days of the date of accident, we will pay the sum shown opposite the Loss in the Loss Table shown below. We will not pay more than the Principal Sum to any one person, for all Losses due to the same accident.

For Loss of: Benefit:
Life Principal Sum
Either Hand or Foot One-Half of Principal Sum
Movement of Both Upper & Lower Limbs (Quadriplegia) Principal Sum
Movement of Both Lower Limbs (Paraplegia) One-Half of Principal Sum
Movement of the Upper & Lower Limbs of One Side of the Body (Hemiplegia) One-Half of Principal Sum
One Hand and One Foot One-Half of Principal Sum
One Hand or One Foot One-Half of Principal Sum
Sight of One Eye One-Half of Principal Sum
Movement of One Limb (Uniplegia) One-Half of Principal Sum
More than One of the Above Principal Sum
Speech and Hearing in Both Ears Principal Sum
Speech or Hearing in Both Ears One-Half of Principal Sum
Hearing in One Ear One Quarter of Principal Sum

This information is a brief description of important features of the plan. It is not a contract. Terms and conditions of coverage are set forth in Group Policy Number ADD-11243. No one can be covered more than once under this policy. Additional information is contained in the Certificate of Insurance which is issued to all persons who become insured under the plan. This plan may not be available in all states.

*At age 70, all coverage is reduced by 50%.

GROUP Rates Help Hold Costs Down

Enrollment is restricted to NASW members (and their spouses) so you can take advantage of your group standing. Take a look at your competitve group rates:

Monthly Group Rates For NASW Members & Spouses

Coverage Levels* $100,000*
Member Only $4.67
Member & Spouse $7

*At age 70 all coverage is reduced by 50%.

Monthly rates shown. For your convenience, you will be billed quarterly.

Rates and/or benefits may be changed on a class basis.

Your AD&D Insurance coverage starts the first day of the month after your enrollment form and first premium payment are received. You cannot be singled out for cancellation, a benefit decrease, or an increase in your premiums due to a change in your health or occupation. Your benefits will continue in full force as long as you pay your premiums on time, remain an NASW Member in good standing, and the Master Policy remains in force. Coverage for all insureds (whether member or spouse) will end when the member reaches age 80. Coverage for your Spouse terminates when your coverage is no longer active, or they are no longer eligible due to change in age, dependency or marital status.


Eligible Member: All active members of the Policyholder who: 1) are under age 70; and 2) are a citizen or legal resident of the United States, its territories and protectorates.

Eligible Dependents: Spouse means your spouse who: a) is under age 70; and b) resides in the United States; and c) is not legally separated or divorced from You. Spouse will include your domestic partner provided you have executed an acceptable domestic partner affidavit, establishing that you and your partner are domestic partners for purposes of The Policy. You will continue to be considered domestic partners provided you continue to meet the requirements described in the domestic partner affidavit.

Common Carrier means any land, water, or air 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.

SEAT BELT BENEFIT: If an Insured Person’s or Eligible Spouse’s Injury results in a Loss of Life within 90 days of the date of the accident, under the Accidental Death and Dismemberment Benefit while: a) a passenger riding in; or b) the licensed operator of; a duly registered Automobile, and while wearing a Seat Belt at the time of Accident as verified on the police report, then the amount of the Principal Sum will be increased by the Seat Belt Benefit Amount stated in the Schedule.

Seat Belt Benefit: $10,000 (See Benefit)

Child Education Benefit: (Member Only) $3,000.

Child Education Benefit: (Applicable to Member Only)
If You sustain an Injury that results in Loss of life payable under the Accidental Death and Dismemberment Benefit, We will pay an additional Child Education Benefit to Your Child(ren).
This Benefit will be paid:

  1. after We receive proof that your Child(ren) qualify as a Student, as defined in this Benefit; and
  2. according to the General Provisions of The Policy.

If You die, the Child Education Benefit provides an annual amount stated in the schedule.
The Child Education Benefit is payable to each of Your Child(ren):

  1. on the date; and
  2. for whom; We have received proof satisfactory to Us that he or she is a Student.

If he or she is a minor, We will pay the benefit to the Student’s legal guardian. We will pay the Child Education Benefit to a qualifying Student until the first to occur of:

  1. Our payment of the fourth Child Education Benefit to or on behalf of that person; or
  2. the end of the 12th consecutive month during which We have not received proof satisfactory to Us that he or she is a Student.

We will not pay more than one Child Education Benefit to any one Student during any one school year.

Loss: means, with regard to hands and feet, actual severance through or above wrist or ankle joints; with regard to sight, speech or hearing, entire and irrecoverable loss thereof; with regard to thumb and index finger, actual severance through or above the metacarpophalangeal joints or, movement, complete and irreversible paralysis of such limbs.

Loss of Use: means a total and irrevocable loss of voluntary movement which has continued for 12 consecutive months.

Injury: means bodily injury resulting directly from accident and independently of all other causes which occurs while the Insured Person is 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.


The Policy does not cover any loss caused or contributed to by:

  1. intentionally self-inflicted Injury;
  2. suicide or attempted suicide, whether sane or insane;
  3. war or act of war, whether declared or not;
  4. 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);
  5. 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;
  6. Injury sustained while driving while Intoxicated;
  7. Injury sustained while On any aircraft:
    1. as a pilot, crewmember or student pilot;
    2. as a flight instructor or examiner;
    3. 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
  8. Injury sustained while committing or attempting to commit a felony.
    Intoxicated means:
    1. the blood alcohol content;
    2. the results of other means of testing blood alcohol level; or
    3. 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.

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.

This policy provides ACCIDENT insurance only. It does NOT provide basic hospital, basic medical or major medical insurance as defined by the New York State Department of Financial Services.


A.G.I.A., Inc., is the Plan Administrator that administers the insurance plan on behalf of the Hartford Life and Accident Insurance Company for the benefit of the Group Policyholder. A.G.I.A., Inc., is compensated for the placement of insurance and for the services it provides to customers on behalf of the insurance company, in addition to other compensation it may receive. This is a participating group policy under which dividends and/or experience credits may be paid to NASW ASSURANCE SERVICES, INC. Compensation is paid to or retained by NASW ASSURANCE SERVICES, INC., directly or indirectly for services associated with this insurance program.


Endorsed by:

Underwritten by:
Hartford Life and Accident Insurance Company
Hartford, CT 06155

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

Read the full AGIA privacy policy.

Administered by:
Association Group Insurance Administrators
P.O. Box 26450, Phoenix, AZ 85068

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NASW AD&D Online Enrollment

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Pays IN ADDITION to Any Other Insurance

Your NASW accident benefits would be paid REGARDLESS of any other group coverage you may have.

That means you can rest assured your loved ones would collect the full cash benefits they're eligible to receive.

It’s an easy way to help make sure your family has the additional money to help make ends meet — instead of worrying how they’d pay the bills — if a covered accident takes your life.

Underwritten by:
Hartford Life and Accident Insurance Company
One Hartford Plaza
Hartford, CT 06155

Accident Form Series includes GBD-1000, GBD-1300, or state equivalent.

Policy Number ADD-11243