You can purchase the following coverage at a group rate. See your plan documents or certificate for details about any restrictions, exclusions, and limitations.

 

Coverage for you:

You're eligible for AD&D if you are an active, full-time or part-time employee.
This means you regularly work a minimum of 20 hours per week.

 

Coverage amounts available: .5-7 times your annual compensation, rounded to the next higher $1,000, if not already an even multiple of $1,000. The maximum coverage amount is 7 times your annual compensation, or $3,000,000, whichever is less.

 

Coverage for your family:

You can buy coverage for your spouse.

If you elect NYL GBS voluntary AD&D insurance for yourself, you can purchase coverage for your eligible spouse/domestic partner in $10,000 units, up to a maximum of $200,000.
 

If you elect AD&D for yourself, you may also buy coverage for your unmarried children and your spouse’s unmarried children who are at least 14 days old to age 23 in $5,000 units, up to a maximum of $20,000.
 

If the children are not biologically yours (for example, a stepchild), they must also reside with you.
 

Costs are the same, regardless of the number of children you insure.

 

For your spouse’s coverage to become effective:

Your spouse must not be hospitalized or receiving outpatient care for chemotherapy or radiation.

Your spouse must not be confined at home under the care of a health care provider.

Your spouse must not be receiving disability benefits.

Your spouse must be able to perform the normal daily activities of a person of the same age and gender without another person’s help or supervision.

 

For your dependent children’s coverage to become effective:

You must be actively at work and elect AD&D coverage for yourself.
Your children must not be hospitalized or confined at home under the care of a provider for sickness or injury.

 

No one can be covered more than once under this plan. If you are covered as an employee, you cannot also be covered as a dependent.

 

We will pay benefits if you, or an insured family member, are seriously injured in a covered accident that results in dismemberment, loss of eyesight, speech and hearing, and paralysis.

 

If you suffer multiple covered losses in one covered accident, you’ll receive only one benefit—the largest benefit to which you’re entitled. See your plan’s Schedule of Covered Losses below for details.

If, within 365 days of a covered accident, bodily injuries result in:	NYL Group Benefit Solutions will pay this percentage of the benefit amount:
Loss of life	100%
Dismemberment
Loss of two or more hands or feet	100%
Loss of one hand or one foot and sight in one eye	100%
Loss of one hand or foot	50%
Severance and reattachment of one hand or foot	50%
Loss of all four fingers of the same hand	25%
Loss of thumb and index finger of the same hand	25%
Loss of all the toes of the same foot	20%
Sensory loss
Loss of sight of both eyes	100%
Loss of speech and hearing (in both ears)	100%
Loss of sight in one eye	50%
Loss of speech	50%
Loss of hearing (in both ears)	50%
Paralysis
Quadriplegia	100% of the principal sum
Paraplegia	75% of the principal sum
Hemiplegia	50% of the principal sum

It’s not easy to predict how a serious accident will affect your family. Some accidents could seriously affect your finances – especially if extensive rehabilitation is needed.
That’s why AD&D gives you these additional benefits to help meet special needs.

 

Living benefits

We will pay benefits if you, or an insured family member, are seriously injured in a covered accident that results in dismemberment, loss of eyesight, speech and hearing, and paralysis. If you suffer multiple covered losses⁷ in one covered accident, you’ll receive only one benefit – the largest benefit to which you’re entitled.

 

Child-care center benefit

We will pay a benefit to help pay for your children’s day care expenses if you, or your insured spouse, pass away because of an accident. We’ll pay up to 3% of your total coverage each year, for up to five continuous years, or when the child turns age 13, whichever comes first. We’ll send the payments to the child’s surviving custodial parent or legal guardian.

 

There are certain limitations:

• Your surviving child must be age 12 or younger.
• Your surviving child must be enrolled in a licensed day care center at the time of your covered accident, or within one year of your accidental death.

 

Increased accidental injury benefit for children

We will pay double the child’s coverage amount if your insured child suffers an accidental injury. The maximum payment is $50,000. Restrictions apply.⁸

 

Seat belt and air bag benefits

We will automatically increase the benefit amount by 15% if you, or an insured family member, pass away in a motor vehicle accident while wearing a seat belt. Maximum benefit is $15,000.

 

We will automatically increase the benefit amount by 10% if you, or an insured family member, pass away in an accident while positioned in a seat protected by an air bag that properly inflated on impact. Maximum benefit is $10,000.

 

We will pay $1,000 if it isn’t clear whether the insured had been wearing a seat belt, and/or if the air bag inflated properly on impact.

 

Restrictions, limitations, and exclusions apply.⁹

 

⁷ See your plan’s “Schedule of Losses” for details.
⁸ If the child pass aways within 90 days of the accident, you will receive the death benefit only.
⁹ Seat belt benefit applies to accidents occurring while driving or riding in a validly registered four-wheel private passenger (or employer-owned) car, station wagon, jeep, pickup truck or van-type car. Seat belt must be properly fastened, factory installed/manufacturer approved. If the insured is a child, while protected by a child restraint system as defined by state law. Air bag must be factory installed/manufacturer approved. No benefit will be paid if the official accident report indicates that no seat belt was worn and the air bag did not inflate at the time of the accident.

 

Exposure and disappearance benefit

Benefits are payable if you suffer a covered loss due to unavoidable exposure to the elements as a result of a covered accident. If your body is not found within one year of the disappearance, wrecking, or sinking of the conveyance in which you were riding, on a trip otherwise covered, it will be presumed that you sustained loss of life as a result of a covered accident.

 

Coma benefit

If you, your spouse, or your children have been in a coma for one full month as a result of a covered accident, we will pay a coma benefit, as shown in a valuable combination of benefits. We will make 11 monthly payments, provided the person remains in a coma during this period. If the person recovers, the payments will stop.

 

If the insured person passes away while the monthly coma benefit payments are being made, or if the insured person remains in a coma after the 11 monthly payments have been made, he or she will be entitled to a lump-sum payment equal to the full benefit amount.

Use this chart to help you figure out the monthly cost of AD&D coverage.

Employee only	Spouse coverage	Child coverage
$0.027 per $1,000 of coverage	$0.020 per $1,000 of coverage	$0.020 per $1,000 of coverage

Note: AD&D is paid for with after-tax dollars. Rates are subject to change.

Your coverage will start on the date we receive your completed and signed application, and your payroll authorization form. If you’re not actively at work on your start date, we’ll defer your start date until you’re actively at work.

 

Coverage start and end dates:

Your coverage will end on whichever comes first:

• Your employer cancels the group policy
• You are no longer an eligible employee
• You are no longer actively at work
• You don’t pay the premiums

Spouse or dependent children coverage will end on whichever comes first:

• Your coverage ends
• Their premiums are not paid
• They’re no longer eligible

If your coverage ends before you reach age 70 for any reason except nonpayment of premium, you can convert to an individual policy. Proof of good health is not required. To continue your coverage, you must apply for the conversion policy and pay the first premium within 31 days after your group coverage ends. Family members may convert their coverage as long as they have not reached the maximum age limitation. Converted policies are subject to certain benefits and limits as outlined in your policy.

Plan benefits are not payable if related to the following:

• An injury or a loss results, directly or indirectly, from or is caused by, self-inflicted injuries or suicide while sane or insane
• Commission or attempt to commit a felony or an assault
• Any act of war, declared or undeclared
• Any active participation in a riot, insurrection or terrorist act
• Bungee jumping
• Parachuting
• Skydiving
• Parasailing
• Hang gliding
• Sickness, disease, physical or mental impairment, or surgical or medical treatment thereof, or bacterial or viral infection, regardless of how contracted. (This does not include bacterial infection that is the natural and foreseeable result of an accidental external cut or wound or accidental food poisoning)

 

Benefits are also not payable if:

• The loss occurs while the covered person is voluntarily using any drug, narcotic, poison, gas or fumes except one prescribed by a licensed physician and taken as prescribed.
• Operating any type of vehicle while under the influence of alcohol (intoxicated is defined by the law of the state in which the covered accident occurred) or any drug, narcotic or other intoxicant including any prescribed drug for which the covered person has been provided a written warning against operating a vehicle while taking it.
• The covered person is engaged in the activities of active duty service in the military, navy or air force of any country or international organization (this does not include Reserve or National Guard training, unless it extends beyond 31 days).
• Traveling in an aircraft that is owned, leased or controlled by the sponsoring organization or any of its subsidiaries or affiliates (an aircraft will be deemed to be “controlled’’ by the sponsoring organization if the aircraft may be used as the sponsoring organization wishes for more than 10 straight days, or more than 15 days in any year).
  • Flying in, boarding or alighting from an aircraft or any craft designed to fly above the earth’s surface, except as a passenger on a regularly scheduled commercial airline that is: An ultralight or glider, designed to be used in outer space;
  • Being used by any military authority, except the Air Mobility Command or its foreign equivalent;
  • Being flown by the covered person or in which the covered person is a member of the crew;
  • Being used for parachuting, hang gliding, crop-dusting, spraying or seeding, giving and receiving flying instruction, firefighting, skywriting, skydiving, pipeline or power line inspection, aerial photography or exploration, racing or endurance tests, stunts or acrobatic flying, or any operation that requires a special permit from the FAA, even if it is granted (this does not apply if the permit is required only because of the territory flown over or landed on).

You can designate your beneficiaries during the enrollment process and maintain your beneficiaries online once your coverage is issued by clicking on "My Account".

 

If the listed beneficiary is a trustee or a trust, you will need to enter the trustee's name, the name of the trust and the date of the trust agreement. The trust document must be presented in order for the claim to be processed.

 

You can apply for Accident Insurance Online by using the "Apply Now" button to the right. Or, you can complete an application and submit it to NYL GBS.

 

Important Tips For Applying For Coverage With NYL GBS Benefits Guide:

• Online applications for each voluntary benefits program will open in separate browser windows.
• Online applications for each voluntary benefits program will need to be completed, electronically signed, and submitted individually.
• Once an application has been submitted, close the application window and start the next application by clicking “Apply Now” below.
• For your protection, an online application will time out after 30 minutes of inactivity; any un-submitted applications will NOT be saved.
• Do not use the “Back” button in your browser; you will have the option to edit your application when you see the “Edit Application” button before each application is completed.

No. You do not need to provide proof of good health regardless of the coverage amount you are applying for.

Yes. Our Voluntary Term Life insurance plan includes many value-added programs, offered at no additional cost, to help you and your family maintain your health, well-being and sense of security throughout your lifetime. To see which programs are available to you select Value-Added Programs from the menu above.