How It Works FAQs
Elite & Premium

AD&D

Your Membership. Your Savings.

Accidental Death & Dismemberment coverage provides a financial benefit in the event of a covered accidental loss — Elite members receive $1,000 and Premium members receive $5,000.

Accidental Death & Dismemberment Benefit

If you suffer an accident that results in a covered loss while riding in, entering, exiting, or operating a land or water vehicle (excluding when operating a vehicle for commercial hire), a benefit may be payable based on the type of loss experienced.

Benefit Schedule

Covered LossPercentage of Benefit
Loss of Life100%
Loss of both hands or feet or sight of both eyes, or a combination of any two of: loss of hand, loss of foot, or loss of sight of one eye100%
Loss of one hand or one foot or sight of one eye and loss of speech100%
Loss of one hand or one foot or sight of one eye and loss of hearing100%
Loss of speech and hearing100%
Loss of one hand or one foot or sight of one eye50%
Loss of speech or hearing50%
Loss of thumb and index finger of the same hand25%

Key Definitions

  • Loss of Hand: Complete severance of required fingers above designated joints
  • Loss of Foot: Complete severance through or above the ankle joint
  • Loss of Sight: Permanent loss of vision to 20/200 or worse with corrective aid
  • Loss of Speech: Permanent inability to speak without mechanical assistance
  • Loss of Hearing: Permanent bilateral deafness beyond correctable levels
  • Loss of Thumb and Index Finger: Complete severance through required joints
  • Severance: Complete separation and dismemberment of a body part

If reattachment is attempted but ultimately unsuccessful, no additional benefit is payable for a subsequent amputation of the same loss.


Travel Protection is an additional benefit included with AD&D coverage for eligible members.

Travel Protection

As a member, you receive the following valuable benefits and services designed to keep you protected while traveling:

Theft and Hit & Run Protection

Provides up to $500 for information leading to the arrest and conviction of a person responsible for the theft of your covered vehicle or for hit-and-run damage to your covered vehicle.

Lost Luggage Protection

If your baggage is lost by a transportation carrier, assistance is provided to help ensure a fair and timely resolution of your claim.

Emergency Cash Protection

If your cash or credit cards are stolen while traveling 250 miles or more from home, you may receive a cash loan of up to $100 to cover immediate needs. The theft must be reported to local authorities, and documentation is required.

Emergency Travel Expense Reimbursement

If your covered vehicle is disabled due to a traffic accident 250 miles or more from home, you may be reimbursed for emergency living expenses of up to $50 per day for three days while repairs are being made.

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Discount Dental, Pharmacy and Vision Benefits Disclosure. This plan is NOT insurance. This plan is not a qualified health plan under the Affordable Care Act (ACA). Some services may be covered by a qualified health plan under the ACA. This plan does not meet the minimum creditable coverage requirements under M.G.L. c. 111M and 956 CMR 5.00. This is not a Medicare prescription drug plan. The plan provides discounts at certain health care providers of medical services. The plan does not make payments directly to the providers of medical services. The plan member is obligated to pay for all health care services but will receive a discount from those health care providers who have contracted with the discount plan organization. The range of discounts will vary depending on the provider type and services provided. The discount plan organization is Gallagher Affinity Insurance Services, Inc., at 2850 W. Golf Road, Rolling Meadows, IL 60008, 1-888-868-6199. To view a list of participating providers visit www.findbestbenefits.com and enter Promo Code 576710. You have the right to cancel this plan within 30 days of the effective date for a full refund of fees paid. Such refunds are issued within 30 days of cancellation.