How does Accidental Death and Dismemberment Insurance work?

What is covered

TruStage Accidental Death and Dismemberment (AD&D) Insurance pays a cash benefit if you die in a covered 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 cover yourself (Member Only Plan) or cover 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.

Family Plan

This Family Plan covers 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:

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.

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.