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Accidental Death & Dismemberment FAQs

  • You can file an AD&D death claim by:

    Email:

    ConsumerClaims@cunamutual.com

    To protect your and the insured's privacy, we encourage you to send notification via the secured email of your preference. Sending an email or attachments is not secure unless you take the extra step to send it via a secure method.

    Phone:

    Dial 1-800-779-5433 Ext. 483-1999, Monday through Friday, 7:30 a.m. to 5:00 p.m. CST. 

    For assistance by TTY: dial 711 and ask to be connected to 1-800-779-5433 Ext. 483-1999, Monday through Friday, 7:30 a.m. to 5:00 p.m. CST. Dialing 711 connects you to Telecommunications Relay Services (TRS). TRS permits persons with a hearing or speech disability to use the telephone system via a text telephone (TTY) or other devices to call persons with or without such disabilities. TRS calls have no time limits and are confidential.

    Mail:

    TruStage Insurance Company

    PO Box 61

    Waverly, IA 50677-9202

     

    TruStage Insurance is issued by CMFG Life Insurance Company, part of TruStage Financial Group, Inc.

    Please provide the insured's name, date of birth, date of death, and certificate number(s). If you are not the beneficiary on the contract, you may be asked for the beneficiary's address. Please also send proof of accident resulting in death as well as a finalized copy of the death certificate.
    Examples include:

    • Motor Vehicle Accident - Please send the Police Report and the Blood Alcohol Report if the insured was the driver.
    • Fall - Please send the Police/Accident/Incident Report or the Attending Physician’s Statement.
    • Prescription Overdose - Please send the Police/Accident/Incident Report and a list of prescriptions from a doctor or pharmacist.
    • Homicide - Please send the Police/Accident/Incident Report.
  • You can check the status of an AD&D death claim with our Claim Professionals by:

    Email:

    Claimsinfo@cunamutual.com

    To protect your and the insured's privacy, we encourage you to send notification via the secured email of your preference. Sending an email or attachments is not secure unless you take the extra step to send it via a secure method.

    Phone:

    Dial 1-800-779-5433 Ext. 483-2339, Monday through Friday, 7:30 a.m. to 5:00 p.m. CST. 

    For assistance by TTY: dial 711 and ask to be connected to 1-800-779-5433 Ext. 483-2339, Monday through Friday, 7:30 a.m. to 5:00 p.m. CST. Dialing 711 connects you to Telecommunications Relay Services (TRS). TRS permits persons with a hearing or speech disability to use the telephone system via a text telephone (TTY) or other devices to call persons with or without such disabilities. TRS calls have no time limits and are confidential.

    Mail:

    TruStage Insurance Company

    PO Box 61

    Waverly, IA 50677-9202

     

    TruStage Insurance is issued by CMFG Life Insurance Company, part of TruStage Financial Group, Inc.

  • It normally takes 3-5 business days to process a claim once completed claim information is received from all beneficiaries. A letter and a statement of values are sent out through regular mail. If lump sum payment by check is elected, the check will be sent under separate cover.

    *We will validate that the provisions have been met and no exclusions apply. This may include an investigation of the accident.

  • Anyone can notify us of a death. But only named beneficiaries noted in your policy can submit the necessary documents or evidence to claim the payments.
  • All Life insurance (including Variable Universal Life Insurance and Universal Life Insurance) and accidental death and dismemberment (AD&D) insurance death proceeds are not taxable. Any post-mortem interest paid on the benefits is taxable. 

    The gain portion of annuity proceeds may be taxable to the beneficiary when it is distributed. There are several ways to defer the gain. Any interest paid on the benefits is taxable. Contact us for more information on specific settlement options available.

  • You can file an AD&D dismemberment claim by:

    Email:

    Claimsinfo@cunamutual.com

    To protect your and the insured's privacy, we encourage you to send notification via the secured email of your preference. Sending an email or attachments is not secure unless you take the extra step to send it via a secure method.

    Phone:

    Dial 1-800-779-5433 Ext. 483-2339, Monday through Friday, 7:30 a.m. to 5:00 p.m. CST. 

    For assistance by TTY: dial 711 and ask to be connected to 1-800-779-5433 Ext. 483-2339, Monday through Friday, 7:30 a.m. to 5:00 p.m. CST. Dialing 711 connects you to Telecommunications Relay Services (TRS). TRS permits persons with a hearing or speech disability to use the telephone system via a text telephone (TTY) or other devices to call persons with or without such disabilities. TRS calls have no time limits and are confidential.  

    Mail:

    TruStage Insurance Company

    PO Box 61

    Waverly, IA 50677-9202

     

    TruStage Insurance is issued by CMFG Life Insurance Company, part of TruStage Financial Group, Inc.

    Please send proof of accident resulting in dismemberment. 

    Examples include:

    • Motor Vehicle Accident - Please send the Police Report and the Blood Alcohol Report if the insured was the driver.
    • Fall - Please send the Police/Accident/Incident Report or the Attending Physician’s Statement.
    • Prescription Overdose - Please send the Police/Accident/Incident Report and a list of prescriptions from a doctor or pharmacist.
    • Homicide - Please send the Police/Accident/Incident Report.
  • You can check the status of an AD&D dismemberment claim with our Claim Professionals by:

    Email:

    Claimsinfo@cunamutual.com

    To protect your and the insured's privacy, we encourage you to send notification via the secured email of your preference. Sending an email or attachments is not secure unless you take the extra step to send it via a secure method.

    Phone:

    Dial 1-800-779-5433 Ext. 483-2339, Monday through Friday, 7:30 a.m. to 5:00 p.m. CST. 

    For assistance by TTY: dial 711 and ask to be connected to 1-800-779-5433 Ext. 483-2339, Monday through Friday, 7:30 a.m. to 5:00 p.m. CST. Dialing 711 connects you to Telecommunications Relay Services (TRS). TRS permits persons with a hearing or speech disability to use the telephone system via a text telephone (TTY) or other devices to call persons with or without such disabilities. TRS calls have no time limits and are confidential.

    Mail:

    TruStage Insurance Company

    PO Box 61

    Waverly, IA 50677-9202

     

    TruStage Insurance is issued by CMFG Life Insurance Company, part of TruStage Financial Group, Inc.

  • It normally takes 3-5 business days to process a claim once completed claim information is received from all beneficiaries. A letter and a statement of values are sent out through regular mail. If lump sum payment by check is elected, the check will be sent under separate cover.

    *We will validate that the provisions have been met and no exclusions apply. This may include an investigation of the accident.

  • TruStage Insurance Company

    PO Box 61

    Waverly, IA 50677-9202

    Fax Number: 1-608-236-8030

    TruStage Insurance is issued by CMFG Life Insurance Company, part of TruStage Financial Group, Inc.

  • You can get help from our Claim Professionals by:

    Email:

    Claimsinfo@cunamutual.com

    Phone:

    Dial 1-800-779-5433 Ext. 483-2339, Monday through Friday, 7:30 a.m. to 5:00 p.m. CST. 

    For assistance by TTY: dial 711 and ask to be connected to 1-800-779-5433 Ext. 483-2339, Monday through Friday, 7:30 a.m. to 5:00 p.m. CST. Dialing 711 connects you to Telecommunications Relay Services (TRS). TRS permits persons with a hearing or speech disability to use the telephone system via a text telephone (TTY) or other devices to call persons with or without such disabilities. TRS calls have no time limits and are confidential.

    Mail:

    TruStage Insurance Company

    PO Box 61

    Waverly, IA 50677-9202

     

    TruStage Insurance is issued by CMFG Life Insurance Company, part of TruStage Financial Group, Inc.

    1. A certified copy of the death certificate for the policyholder. 

      Why do you need a certified copy of the death certificate AND additional documents to settle the claim? The death certificate confirms the cause and manner of death. The additional information confirms the accident, when and how it happened, and who was involved.

    2. You may need to submit additional documents to settle the claim if the death resulted from one of the accidents below.
    • Motor Vehicle Accident: You’ll need to send the Police Report and the Blood Alcohol Report if the insured was driving.
    • A Fall: In this case, you’ll need to send the Police/Accident/Incident Report or the Attending Physician’s Statement.
    • Prescription overdose: In this situation, you’ll need to send the Police/Accident/Incident Report and a list of the insured’s prescriptions from a doctor or pharmacist.
    • Homicide: You will need to send the Police/Accident/Incident Report.
  • Accidental death and dismemberment Insurance, also called "AD&D", is insurance coverage that pays a cash benefit in the event of a covered injury or death due to an accident.
  • How to view and update beneficiary information for your policy in your online service account: 

    • Click the ‘My Account’ menu at the top of our website. 
    • Select 'Account Overview’.  
    • Click ‘Beneficiaries’ under a policy to view your current beneficiaries.
    • While viewing your current beneficiaries, click ‘Update Beneficiaries Online’ to make a change.
    Please note, if you make beneficiary updates, we'll email you to confirm we’ve received your updates. Once reviewed, approved, and recorded by us, your updates will show up in your online service account. Your beneficiary list should always include every beneficiary’s name and the percentage of the payments you want to be assigned to each beneficiary.

    If you need help with beneficiaries, click on the Chat icon when signed into your online account (chat availability varies) or give us a call.

  • Accidental death and dismemberment insurance (AD&D) only pays a benefit as the direct result of an accident. Life insurance pays no matter how a death occurs.
  • You can choose single coverage or family coverage. Single coverage applies only to you. Family coverage protects you, your spouse and your dependent (or handicapped) children. Your spouse will be insured at 50% of the coverage level you choose. Dependent and handicapped children will be covered for 20%. Family coverage also includes additional benefits for child care and college education, as well as a child savings fund benefit. (Exact benefit features may vary by state.)
  • Your AD&D coverage amount may show $0.00 because your credit union no longer offers this benefit, or you are no longer a member of that credit union. In some cases, complimentary coverage can expire.
  • No, you’re not covered when your policy is inactive. If your policy is inactive due to nonpayment, you need to make a payment on your policy to reinstate your coverage.
  • Here's how to determine the value of an AD&D policy: 

    • Click the ‘My Account’ menu at the top of our website. 
    • Select 'Account Overview’.  
    • Click ‘View Certificate Details'.

    Please refer to your contract for additional features and benefits.