Frequently Asked Questions
Accidental Death & Dismemberment Insurance FAQs
- Do I automatically receive the no-cost basic insurance?
- Must I buy additional coverage in order to get the AD&D no-cost basic coverage?
- Does this cover on-the-job accidents?
- Must I take a medical exam or answer health questions?
- Is there an age cut off?
- When does my coverage begin?
- How long does it take before I receive my insurance Coverage Document?
- How will I be billed?
- How long will it take to process my claim?
- Who is the plan administrator?
No. You must complete and return the enrollment form.
No. The no-cost basic coverage is a gift to you as long as you have an account.
Yes. You're covered 24 hours a day, worldwide.
No. You are guaranteed acceptance.
No. However, coverage reduces to 50% at age 70.
Please see your Insurance Coverage Document provided by Affinion Group for the "Effective Date."
Processing and issuance of the Insurance Coverage Document takes about 30 days.
Share and Share Draft premiums will be automatically debited from your account quarterly/monthly. These transactions will be reflected on your statement.
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
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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Your savings are federally insured to at least $250,000 by the National Credit Union Administration and backed by the full faith and credit of the U.S. Government.