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Accidental Death & Dismemberment
FAQs about Kemba's AD&D
Q. HOW DO I ENROLL IN AD&D?
A. Click here.
Q. DO I AUTOMATICALLY RECEIVE THE $1,000 NO-COST BASIC INSURANCE?
A. No. You must enroll.
Q. DO I HAVE TO BUY ADDITIONAL COVERAGE IN ORDER TO GET THE
$1,000 BASIC?
A. No. The $1,000 AD&D insurance coverage is provided as our gift to you, at no
cost, as long as you maintain your account with us.
Q. DOES THIS COVER ON-THE-JOB ACCIDENTS?
A. Yes. The coverage is effective 24 hours a day, worldwide.
Q. HOW MUCH ADDITIONAL COVERAGE MAY I CHOOSE? CAN I GET
INSURANCE FOR MY SPOUSE AND FAMILY, TOO?
A. AD&D insurance has coverage levels to fit your budget, from $10,000 to
$300,000. Spouses and unmarried children under the age of 21 years (age 25
if full-time students) may be insured under the family plan. If the family plan is
selected, spouses are insured for 50%. Dependent children are each insured
for 20%. If your household does not have any dependent children, the spouse’s
coverage rises to 60% of the additional coverage selected. If you do not have a
spouse, dependent children’s coverage rises to 25%.
Q. DO I HAVE TO TAKE A MEDICAL EXAM OR ANSWER A LOT OF HEALTH QUESTIONS?
A. No. There are no medical questions or physical exams required to qualify.
Q. I BOUGHT ADDITIONAL COVERAGE, AND I RECEIVED SOMETHING
CALLED “ADDED BENEFITS.” WHAT DOES THIS MEAN?
A. You automatically receive six added benefits that are included with your
insurance. (1) Common Carrier Accidental Death: Pays twice the face value
of your additional coverage. (2) Educational Assistance: Pays a benefit to
each dependent child who is enrolled as a full-time student in an institution of
higher learning. (3) Anti-Inflation: After two years of continuous coverage,
benefit increases a specific percentage until it reaches 125% of the original
amount. (4) Hospital Income Benefit: Pays 1% of the Voluntary Insurance
benefit up to $2,500 a month for hospital stay for more than 7 days (starting
within 30 days of accident as the result of a covered Injury.) (5) Day Care
Benefit: Pays 2% of the Voluntary Insurance benefit or $2,000 (whichever is
less) each year for two years, for each Eligible Dependent (under age 14 at the
time of your death) who is enrolled in a Day Care Program. (6) Adaptive Home
and Vehicle: Pays a benefit if a covered insured requires their home and/or car
to be adapted due to a covered loss up to $2,500. Your Insurance Coverage
Document will explain all of the specifics of these added benefits (including
exclusions, limitations and terms of coverage).
Q. WHAT DOES “COMMON CARRIER” MEAN?
A. The common carrier benefit applies when you pay a fare to travel on common
or public forms of transportation. This includes commercial airlines, trains,
buses, cabs, ferries, and more.
Q. IS THERE AN AGE CUTOFF?
A. There is no termination age; however, coverage reduces 50% at age 70
and older.
Q. WHEN DOES MY COVERAGE BEGIN?
A. The effective date is shown on your Insurance Coverage Document.
Q. HOW LONG DOES IT TAKE BEFORE I RECEIVE MY INSURANCE
COVERAGE DOCUMENT?
A. It takes about 30 days from the time the enrollment form is received to process
and issue the Insurance Coverage Document.
Q. WHAT IF I DECIDE TO CANCEL?
A. Your coverage features a no-risk 30-day guarantee. If you choose not to keep
your insurance, simply call toll free 1-800-860-7182, and your insurance will be
cancelled immediately.
Q. HOW WILL I BE BILLED?
A. 1) Because you are a share account holder, the premiums will be
automatically debited from your account quarterly. This transaction will be
reflected on your statement.
2) Because you are a share draft account holder member, the premiums will
be automatically debited from your account quarterly. This transaction will be
reflected on your statement.
Q. WHO IS THE UNDERWRITER FOR THIS INSURANCE?
ARE THEY REPUTABLE?
A. This insurance is underwritten by The Hartford. A.M. Best, a company that
evaluates insurance companies, gives The Hartford an A+ rating. Rating as of
April 1, 2006. A+ is the second highest of 15 rating categories. The Hartford® is
The Hartford Financial Services Group, Inc. and its subsidiaries, including
issuing companies Hartford Life Insurance Company and Hartford Life and
Accident Insurance Company.
Q. HOW DO I FILE A CLAIM?
A. Call toll free at 1-800-860-7182 weekdays, 7:00 a.m. to 8:00 p.m.,
Saturdays, 8:30 a.m. to 5:00 p.m., CST.
Q. HOW LONG WILL IT TAKE TO PROCESS MY CLAIM?
A. The claims are processed within five days of the Plan Administrator receiving
the appropriate information and documentation in their offices in Nashville, TN.
Once processed, the claim is then forwarded to the underwriter for determination
of benefits.
Q. WHO IS THE PLAN ADMINISTRATOR?
A. The Plan Administrator is Affinion Benefits Group, a division of Affinion Group,
the nation’s largest provider of direct response insurance programs.
