Frequently Asked Questions | Accidental Death & Dismemberment Insurance

Do I automatically receive the no-cost basic insurance?

No. You must complete and return the enrollment form.

Must I buy additional coverage in order to get the AD&D no-cost basic coverage?

No. The no-cost basic coverage is a gift to you as long as you have an account.

Does this cover on-the-job accidents?

Yes. You're covered 24 hours a day, worldwide.

Must I take a medical exam or answer health questions?

No. You are guaranteed acceptance.

Is there an age cut off?

No. However, coverage reduces to 50% at age 70.

When does my coverage begin?

Please see your Insurance Coverage Document provided by Affinion Group for the "Effective Date."

How long does it take before I receive my insurance Coverage Document?

Processing and issuance of the Insurance Coverage Document takes about 30 days.

How will I be billed?

Share and Share Draft premiums will be automatically debited from your account quarterly/monthly. These transactions will be reflected on your statement.

How long will it take to process my claim?

Once the Plan Administrator receives the appropriate information and documentation, claims are processed within 5 days and then forwarded to the underwriter for benefit determination

Who is the plan administrator?

The Plan Administrator is Affinion Benefits Group, LLC, a division of Affinion Group, the nation's largest provider of direct response insurance programs.

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