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AUTOMATIC ACCEPTANCE
Your acceptance in this EAA endorsed Accidental Death & Dismemberment Plan is guaranteed by simply returning your completed Enrollment Form, subject to meeting the eligibility requirements and payment of the proper
premium.
WHEN YOUR COVERAGE BEGINS
Coverage will begin after your Enrollment Form and premium payment are received by the Plan Administrator, Harvey Watt &
Company, provided you are regularly performing the duties of your occupation. If you are not, coverage will begin on the first of the month following a return to those
duties.
NO AGE TERMINATION
Your coverage continues as long as you remain in an eligible class, the premiums are paid when due and the Group Policy remains in force. Coverage terminates when you enter full-time active-duty military service for more than 30 days. Coverage for family members ends when your coverage ends or when they are no longer
eligible.
SPECIFIC LOSSES COVERED AND BENEFIT PAYABLE
| Covered Loss |
Percentage of Benefit Payable |
| Loss of Life |
100% |
| Loss of Two Limbs |
100% |
| Loss of Sight of Both Eyes |
100% |
| Loss of One Limb & Sight of One Eye |
100% |
| Loss of Both Speech and Hearing |
100% |
| Loss of One Limb |
50% |
| Loss of Sight of One Eye |
50% |
| Loss of Speech or Hearing |
50% |
| Loss of Thumb and Index Finger of the Same Hand |
25% |
If an insured has more than one covered loss as a result of any one accident,
only the one amount, the largest to which he/she is entitled, will be paid.
This amount will not exceed the benefit amount. |
24-HOUR COVERAGE AROUND THE WORLD
With this extensive 24-hour protection, you and your family are protected
24 hours a day, anywhere in the world. The Plan protects you while flying
as a passenger, traveling on vacation or working on projects at home.
Benefits are paid if the covered loss occurs within 365 days after the
injury first happened. Plus, they are paid regardless of other insurance
you may have.
MONTHLY COMA BENEFIT
If a Covered Person suffers a loss as a result of a covered injury, within
365 days from the date of the accident, and such loss results in the Covered
Person being in a coma for at least 31 consecutive days, Zurich American
Insurance Company will pay a monthly coma benefit of 1% of the Principal
Sum, the monthly coma benefit will be payable for each month of continuous
coma to a maximum of 12 months.
GENERAL EXCLUSIONS FOR 24-HOUR COVERAGE
Benefits won't be paid for any loss which is due to: suicide; intentionally self-inflicted injury or any attempt thereat; physical or mental sickness; war or act of war; active duty for more than 30 days in any insurrection; armed forces; committing a crime or an attempt to do so; being intoxicated or under the influence of any drug, unless taken as prescribed by a physician, voluntary intake of poison, drugs, gas, or fumes unless taken as
prescribed by a physician.
Except for the Special Aviation Benefit, AD&D benefits are not paid for loss resulting from travel or flight in any aircraft or device which can fly above the earth's surface,
if:
- The aircraft is being used for test or experimental purposes; by or for any military authority; for travel or is designed for travel beyond the earth's atmosphere.
- The insured person is serving as a pilot or crew member or student taking flying lessons and is not riding as a passenger; hang gliding, parachuting (except where the insured has to make a parachute jump for self-preservation). Please refer to Special Aviation Benefits section in this brochure for the coverage provided by this Plan.
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