What Is Covered
TruStage Accidental Death and Dismemberment (AD&D) Insurance pays a cash benefit if you die in an accident. It also pays benefits for covered injuries caused by an accident, including loss of eyesight, hearing, or speech, or the loss of a hand, foot, eye, thumb or index finger. For coverage amount details, use the link below.
Who Is Eligible
Your credit union membership may qualify you for complimentary no-cost Basic AD&D coverage. If you want to increase your coverage, you can purchase Additional Coverage and choose to protect yourself (Member Only Plan) or protect yourself and your family (Family Plan). Credit union members ages 18 and over, their spouses* and their dependent children are eligible. Eligibility ages and requirements for dependent and handicapped children may vary by state, so it’s best to refer to the Certificate of Insurance or call 1-888-888-3942 for this information.
* The definition of spouse includes a legal partner as defined by state law.
Family Plan
This Family Plan protects you, your spouse and your dependent children. Your spouse will be insured at 50% of the coverage level you choose. Dependent children will be covered for 20%. If you have no dependent children, your spouse will be covered for 60%. If you do not have a spouse, each of your dependent children will be insured for 25% of the coverage level you choose.
Important Benefits of Your Additional Coverage
Increasing Benefit: Each year, the value of your Additional Coverage increases by 5%—up to a total of 50% over 10 years—at no added cost to you. For example, $100,000 grows to $150,000 over 10 years, while your monthly rate stays the same.
Double Accidental Death Benefit: If you die within one year of an accident as a result of traveling on a bus, train, or other public form of transportation as a ticketed passenger—your Additional Coverage benefit doubles. This benefit covers the primary insured only, even if Family Plan is selected.
Seatbelt/Airbag Benefit: Your Additional Coverage payout increases by 10% if you die in a private vehicle accident while wearing a properly fastened seatbelt or are protected by an airbag. If you choose the Family Plan, this benefit extends to your eligible spouse and children.
Child Care Assistance: If you and your spouse are covered by the Family Plan and either of you die in an accident, your Additional Coverage pays up to $160 a month for childcare expenses.
Please Note: Benefits of Additional Coverage may vary by state or by credit union.
Important Information and Limitations
- Once you or your insured spouse reach age 70, the no-cost and Additional Coverage amount for that person is reduced by 50%.
- This is accident only coverage and does not cover loss of life resulting from natural causes.
- Only one benefit is payable per covered person who is insured under these policies.
Cancer Coverage
When you purchase Additional AD&D Coverage, you may add TruStage Cancer Coverage, which pays you a one-time cash benefit upon a single diagnosis of a covered form of cancer. This money can help cover out-of-pocket medical bills and daily expenses, helping to ease financial issues while you focus on getting well.
Eligibility: Adults age 18-69 are eligible to enroll. If the Family Plan is selected, ages of dependent children covered varies by state. Premium rates are based on age and will never increase.
Pre-Existing Condition(s) Limitation*: The benefits of this policy will not be payable during the first year for any cancer diagnosis within 12 months prior to the coverage start date. Benefits will be payable during the first year for any new diagnosis covered under the policy.
*May vary by state.
Payout: The full coverage amount will be payable upon a covered diagnosis of cancer after the first year of coverage.
During the first year, benefits related to a diagnosis of cancer will be equal to 25% of the coverage amount.
Please Note: Cancer Coverage allows you to choose your own doctor or hospital and provides reimbursement regardless of where care is provided. Reimbursement is provided upon a qualifying diagnosis of cancer: a malignant tumor, spread of malignant cells and invasion of body tissues by such malignant cells.
Cancer, Heart Attack and Stroke Coverage
When you have Additional AD&D Coverage, you may add TruStage Cancer, Heart Attack & Stroke Coverage, which pays you a one-time cash benefit upon a single diagnosis of a covered form of cancer, heart attack or stroke. This money can help cover out-of-pocket medical bills and daily expenses, helping to ease financial issues while you focus on getting well.
Eligibility: Adults age 18-69 are eligible to enroll. If the Family Plan is selected, ages of dependent children covered varies by state. Premium rates are based on age and will never increase.
Pre-Existing Condition(s) Limitation*: The benefits of this policy will not be payable during the first year for any cancer, heart attack or stroke diagnosis within 12 months prior to the coverage start date. Benefits will be payable during the first year for any new diagnosis covered under the policy.
*May vary by state.
Payout: The full coverage amount will be payable upon a covered diagnosis of heart attack or stroke from the first day of coverage. The full coverage amount will be payable upon a covered diagnosis of cancer after the first year of coverage. During the first year, benefits related to a diagnosis of cancer will be equal to 25% of the coverage amount.
Please Note: Cancer, Heart Attack and Stroke Coverage allows you to choose your own doctor or hospital and provides reimbursement regardless of where care is provided. Reimbursement is provided upon a qualifying diagnosis of Cancer: a malignant tumor, spread of malignant cells and invasion of body tissues by such malignant cells. Heart Attack: obstruction of one or more coronary arteries due to atherosclerosis, spasm, thrombus or emboli. Stroke: Cerebrovascular accident producing measurable, functional and permanent neurological impairment.
More Details
More product details, including coverage amounts, exclusions and limitations.
CMFG Life Insurance Company P.O. Box 1084 • Madison, WI 53701
Questions? Call 1-888-888-3942 If you have questions or need help enrolling, please give us a call. Our expert customer service representatives are happy to assist you.
