Comprehensive Accident Insurance Coverage

Who's Eligible?

All American College of Emergency Physicians members and/or legal Spouse under age 60 working 20+ hours/week and residents of the United States.

The 50-50-500 Plan	The 100-100-1,000 Plan
$50,000 Accidental Death	$100,000 Accidental Death
$50 per day Hospital Accident Plan	$100 per day Hospital Accident Plan
$500 Monthly Accident Disability	$1,000 Monthly Accident Disability
Cost - $8.95 per Month	Cost - $17.00 per Month

	Waiting Period	Maximum Benefit Period
Accident Only Disability Income	60 days	1 year
Accident Hospital Confinement	1st day of coverage	500 days

Rates &/or benefits may be changed on a class basis. No benefits are paid during the Waiting Period or on a retrospecitve basis. Billing Mode Options: Monthly, Quarterly, Semi-Annual or Annual.

Policy Age Limit:

Effective Date

Each Eligible Member or Employee or Employee or Eligible legal Spouse who gives us an Enrollment Form and pays the required premium for his or her coverage becomes an Insured Person on the later of:

the Policy Effective Date; or
the first day of the month on or next following the date we receive request; subject to the Deferred Effective Date provision.

Deferred Effective Date

If an Eligible Member or Employee or Eligible legal Spouse is to become:

covered under the Policy; or
covered for increased or extended benefits under the Policy;

and is not Actively-at-Work on that date, he or she will not be so covered until the first day of the month on or next following the date he or she is Actively-at-Work for 3 consecutive months.

Explanation of Terms

Actively-at-Work means the Insured Person is performing all the regular duties of an occupation for wage or profit on a full time basis (at least 20 hours per week).
Total Disability means a disability that prevents you from performing one or more of the duties of your usual occupation.
Injury means bodily injury that results directly and independently of all other causes from an accident.
Hospital does not include a nursing or convalescent home, skilled nursing facility, a place for drug addicts or alcoholics, or a place for rest, custodial care, or care of the aged.

Disability Income Benefit Offsets

No coordination with other disability income plans (including any coordination with Worker's Compensation).

Exclusions:

The policy does not cover any loss resulting from:

Intentionally self-inflicted Injury, suicide or attempted suicide, whether sane or insane;
war or act of war, whether declared or undeclared;
Injury sustained while in the Armed Forces of any country or international authority;
Injury sustained while voluntarily taking drugs which federal law prohibits dispensing without a prescription, including sedatives, narcotics, barbiturates, amphetamines, or hallucinogens, unless the drug is taken as prescribed or administered by a licensed physician;
Injury sustained while legally intoxicated.

Termination:

Non-payment of premium, cessation of work, reach 65 years of age, the date you cease to be a member of ACEP or no longer reside in the United States. Spousal coverage will terminate once they become legally separated or divorced from you or they no longer meet eligibility requirements.

THIS IS LIMITED TO ACCIDENT ONLY COVERAGE.

You have 30 days from your effective date of coverage to look over the program and discuss with your family and advisors. If you are not satisfied, you may return your Certificate within 30 days for a full premium refund, less any claims paid.

Enroll now for Comprehensive Accident Insurance coverage or print a PDF and complete application & fax to 605-334-0556.

Medicare Duplication Notice

This website explains the general purpose of the insurance described, but in no way changes or affects the Master Policy AGP-11123 as actually issued. In the event of a discrepancy between this brochure 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.

Underwritten by:
Hartford Life and Accident Insurance Company
Simsbury, CT 06089
Form 7582 A2(HLA)(11123)

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