Coverage

How much coverage is available for me?

Any member, actively at work at least 30 hours per week, under age 60, may apply for this coverage and choose $50,000, $100,000, or $200,000 in benefits. This plan offers full 24-hour worldwide protection that pays in addition to any other insurance. You are covered at home, at work, on vacation, on the road, for practically every activity. A member must be able to perform the normal activities of a person of like age and sex; with like occupation or retired status on the date the insurance is to take effect. If not, the insurance will take effect on the day the member resumes such activities.

How much coverage is available for my spouse?

Your spouse can receive up to $100,000 in accidental death and dismemberment protection (not to exceed 50% of your coverage amount). If your spouse is hospitalized on the date insurance is to take effect, the insurance will become effective after discharge.

Acceptance

All members under age 60 are eligible to apply. No physical exam is ever required.

When will my coverage become effective?

Your coverage will become effective on the first of the month following receipt and approval of your enrollment form and first premium payment.

Special aviation coverage

You are covered while riding solely as a passenger in a licensed passenger aircraft not then being used for test or experimental purposes. However, unless the aircraft is provided by a licensed passenger carrier for regularly scheduled flight according to a regularly published schedule for an established passenger route, there is an aggregate maximum benefit limit of $1,000,000 for all losses suffered by all members of the APMA as a result of any one aircraft accident. If this limit is applied, a pro rata benefit will be payable for the losses suffered by each member injured in the same accident.

Are there any exclusions?

No benefits will be paid for any loss that results from or is caused directly, indirectly, wholly or partly by: (1) suicide; or intentionally self-inflicted injury; (2) insurrection; war or an act of war; (3) a physical or mental sickness, or treatment of that sickness; (4) voluntary intake of poison, drugs, gas or fumes, unless taken as prescribed by a physician; (5) committing a crime, or an attempt to do so; (6) being intoxicated or under the influence of any drug, unless taken as prescribed by a physician; (7) flight in any type of aircraft. This item applies only to: the pilot, whether licensed or unlicensed; and the members of the crew.

Can my coverage be cancelled?

You may maintain your APMA accidental death and dismemberment insurance coverage until age 70, as long as you remain an APMA member working full time, pay your premium on time, and the Master Policy remains in force. Coverage for your spouse terminates when he/she is no longer eligible due to change in age or marital status.

The Company behind the Coverage

This information is a brief summary of benefits only and is subject to the terms, conditions and limitations of Group Policy Number G-205, 869. The group policy is subject to the laws of the jurisdiction in which it is issued. Additional information is contained in the Certificate of Insurance which is issued to the persons who become insured under the plan. The availability of this offer may change and coverage may not be available in all states.

		This information is for purposes of illustration only. A complete description of benefits and limitations of the plan will be found in the insurance policy and certificate.