An accident can happen when you least expect it

Terms 

THIS IS LIMITED ACCIDENT ONLY COVERAGE. 

Accidental Death Insurance Terms & Conditions 

EXCLUSIONS: THE POLICY DOES NOT COVER ANY LOSS CAUSED OR CONTRIBUTED BY: 

• intentionally self-inflicted Injury, suicide or attempted suicide, whether sane or insane; 

• war or act of war, whether declared or not; 

• Injury sustained while On any aircraft except a Civil or Public Aircraft, or Military Transport Aircraft; 

• Injury sustained while On any aircraft: a) if it is owned, operated or leased by or on behalf of the Policyholder, or any employer or organization whose eligible persons are covered under The Policy; b) being used for tests, experimental purposes, stunt flying, racing or endurance tests; 

• Injury sustained while taking drugs, including but not limited to sedatives, narcotics, barbiturates, amphetamines, or hallucinogens, unless as prescribed by or administered by a Physician; 

• Injury sustained while committing or attempting to commit a felony; or 

• Injury sustained while Intoxicated. Intoxicated means: 1) the blood alcohol content; 2) the results of other means of testing blood alcohol level; or 3) the results of other means of testing other substances; that meet or exceed the legal presumption of intoxication, or under the influence, under the law of the state where the accident occurred. 

No-Cost Termination: Your coverage as an Insured Person terminates on the earlier of: a) the date the policy is terminated; or b) the date you cease to be a resident of the United States; c) the date the Policyholder terminates coverage under the Basic Plan or ceases to pay the required premium; or d) on the date you have been covered for twelve months. 

Policyholder: AFL-CIO Mutual Benefit Fund. 

Amy Cybyske, Licensed in all applicable jurisdictions.

Gallagher Affinity Insurance Services, Inc. administers the insurance on behalf of Hartford Life and Accident Insurance Company. Union Privilege, Inc. is the broker of record and is compensated for the placement of insurance. This is a participating group policy under which experience credits may be paid to AFL-CIO Mutual Benefit Fund.

This web site explains the general purpose of the insurance described, but in no way changes or affects the Master Policy (ADD- 13264) as actually issued. In the event of a discrepancy between this web site and the policy, the terms of the policy apply. All benefits are subject to the terms and conditions of the policy. Policies underwritten by Hartford Life and Accident Insurance Company detail exclusions, limitations, reduction of benefits and terms under which the policies may be continued in full or discontinued. Complete details are in the Certificate of Insurance issued to each insured individual and the Master Policy issued to the policyholder. Benefits may vary and this program may not be available to residents of all states or in all unions. 

This policy provides ACCIDENT insurance only. It does NOT provide basic hospital, basic medical or major medical insurance as defined by the New York State Department of Financial Services. 

IMPORTANT NOTICE — THIS POLICY DOES NOT PROVIDE COVERAGE FOR SICKNESS. 

Underwritten by Hartford Life and Accident Insurance Company, Hartford, CT 06155.

The Hartford Financial Services Group, Inc. (NYSE: HIG) operates through its subsidiaries under the brand name, The Hartford, and is headquartered in Hartford, Connecticut. For additional details, please read The Hartford’s legal notice at www.thehartford.com.

Accident Form Series includes GBD-1000, GBD-1300, or state equivalent. 

ADNC062023