Accidental Death & Personal Loss Insurance Summary - a brief description of the AD&PL plan.  

Accidental Death & Personal Loss Insurance Provisions Document - detailed information regarding the AD&PL plan.

Aetna Privacy Notice

Voluntary Dependent AD&PL Insurance for Your Family

If you elect AD&PL insurance for yourself, you may also purchase AD&PL insurance for your family. The plan pays benefits in the event of accidental death or personal loss of your spouse and/or dependent children. The amount of benefit payable depends on the makeup of your family when the loss occurs.

A spouse is covered at 50% of the Principal Sum if there are no insured dependent children at the time of the accident; or 40 % if there is at least one insured dependent child at the time of the accident.

The dependent child is covered at 15% of the Principal Sum if there is no insured spouse at the time of the accident; or 10% if there is an insured spouse at the time of the accident.

Disabled Dependent Children Covered under AD&PL

Accidental Death and Personal Loss Insurance for your fully disabled dependent child may be continued past the maximum age for dependent children.  However, such coverage may not be continued if the child has been issued a personal life conversion policy. 

Your child is fully disabled if:

	He or she is not able to earn his or her own living because of mental retardation or a physical disability which started prior to the date he or she reaches the maximum age for dependent children; and
	He or she depends chiefly on you for support and maintenance.

Proof that your child is fully disabled must be submitted to Aetna no later than 31 days after the date your child reaches the maximum age.

Coverage will cease on the first to occur of:

	Cessation of the disability.
	Failure to give proof that the disability continues.
	Failure to have any required exam.
	Termination of Dependent Coverage as to your child for any reason other than reaching the maximum age.

Aetna will have the right to require proof of the continuation of the disability. Aetna also has the right to examine your child as often as needed while the disability continues at its own expense. An exam will not be required more than once each year after 2 years from the date your child reached maximum age.

Disabled Child Coverage Continuation Request

(Used to request continued coverage for a disabled child who has exceeded the maximum age limit.)

Disabled Child Attending Physician Statement

(Used in conjunction with the Disabled Child Coverage Continuation Request form to verify disability.)

Additional AD&PL Benefits

The AD&PL insurance plan pays additional benefits if you suffer accidental death or personal loss.  Please check your group policy for more details.

	Coma Benefit
	Passenger Restraint and Airbag Coverage
	Paralysis
	Child & Spouse Education Benefit
	Child Care
	Burn Benefit
	Repatriation of Remains

Travel Assistance Services - Travel Brochure

Travel assistance is provided by Aetna Travel Assistance Services by calling 1-877-935-3704 (U.S. & Canada) abroad, call (312) 935-3704 collect.

Travel Care - Travel Card

Identity Theft & Legal Services - Legal Reference Guide

Free and discounted legal services are available to the insured including:

	Free legal forms and information via the Web or toll-free number
	Identity Theft Services - victim assistance at a difficult time, included at no extra charge.
	Simple Will, Living Will, Healthcare Power of Attorney, Financial Power of Attorney documents provided free.

Service Hours: 7 a.m. to 7 p.m. Central Time
Call toll free: 1-888-257-2934
Visit the Web: www.ichooselegal.com

Complete details can be found in the AD&PL Benefit Provisions document.

Last modified: November 30, 2007

[ Home ] [ Up ] [ Benefit Plans ] [ Premium Rates ] [ Leaves ] [ Change of Status ] [ Benefits Term ] [ Retire Incentive ] [ Active Retirement ] [ Emeritus Policy ] [ Open Enrollment ] [ News/Deadlines ] [ Benefit Forms ] [ Vendor Numbers ] [ HIPAA Regs ] [ MCCCD Sites ] [ Staff to Contact ] [ MCCD Search ]