Overview
Accidents Do Happen
No one plans to have a serious accident, so when one happens the financial consequences can be devastating. The MNCPA AD&D Plan gives you broad accident coverage, 24 hours a day, worldwide. You’re covered at home, at work, on vacation, on the road, for practically every activity. See the exclusions section for more information.
The plan’s benefits are competitive. The rates are competitive1. So sign up yourself and your family today. Choose a minimum of $50,000 to a maximum of $500,000 in increments of $25,000. This is worldwide, 24-hour-a-day coverage that pays in addition to any other insurance you may have.
You Are Guaranteed Acceptance
All members/employees under age 70 will automatically be accepted into this plan. No physical exam is ever required. Coverage will be effective on the first of the month following receipt of your Enrollment Form and first premium payment. This coverage is available only to residents of the United States and may not be available in all states. Please contact the administrator for details.
Family Coverage
Your spouse and dependent children (14 days to age 26) are also guaranteed coverage. Your spouse benefits are 40% of the benefit amount you choose and dependent child(ren)’s benefits are 10% of your benefit.
If you are unmarried, each dependent child’s coverage will be 15% of your benefit. If you have no children, your spouse’s benefits are 50% of your coverage.
Coverage terminates at age 80. Rates do not increase with age. The rates will not be changed unless they are changed for all insureds in your classification. If applicable, an additional $2 billing fee will be included on your billing notice payable to the administrator. To save the fee, select Electronic Funds Transfer (EFT) as a safe and secure payment option.
Convenient Payment Options
Four modes of payment are available to suit your budget: Direct Bill Quarterly, Semiannual, and Annual, or Monthly by EFT.
| Member’s Benefit Amount | Member Monthly Premium Contributions | Member & Family Monthly Premium Contributions |
| $50,000 | $2.70 | $3.75 |
| $75,000 | $4.05 | $5.63 |
| $100,000 | $5.40 | $7.50 |
| $125,000 | $6.75 | $9.38 |
| $150,000 | $8.10 | $11.25 |
| $175,000 | $9.45 | $13.13 |
| $200,000 | $10.80 | $15.00 |
| $225,000 | $12.15 | $16.88 |
| $250,000 | $13.50 | $18.75 |
| $275,000 | $14.85 | $20.63 |
| $300,000 | $16.20 | $22.50 |
| $325,000 | $17.55 | $24.38 |
| $350,000 | $18.90 | $26.25 |
| $375,000 | $20.25 | $28.13 |
| $400,000 | $21.60 | $30.00 |
| $425,000 | $22.95 | $31.88 |
| $450,000 | $24.30 | $33.75 |
| $475,000 | $25.65 | $35.63 |
| $500,000 | $27.00 | $37.50 |
Contact Information
We’re here to help! Please contact us in whatever manner is most convenient for you.
Address
AMBA
P.O. Box 14533
Des Moines, IA 50306
Phone
Underwriting Company
Metropolitan Life Insurance Company
200 Park Avenue
New York, NY 10166
The following benefits are included as part of your AD&D benefits
(See your Certificate for details):
Air Bag Benefit
If the Seat Belt Benefit is payable, MetLife will pay an additional benefit if the insured person was positioned in a seat protected by properly functioning, original, factory-installed airbag system that inflates on impact when the accident occurred. The benefit amount is 5% of the Principal Sum up to $10,000.
Seat Belt Benefit
If an insured person is involved in an automobile accident in which he/she was properly wearing a seatbelt, and dies within 365 days as a result of that accident, the beneficiary can receive the 10% of the Principal Sum up to $25,000.
Common Carrier Benefit
If a covered loss occurs as a result of an accident while a passenger on a licensed common carrier (train, bus, etc.), the beneficiary can receive a 100% of Full Amount.
Benefits For Accidents
Unless otherwise indicated, MetLife pays only one Full Amount for all losses and benefits while the Group Policy is in effect. The Full Amount is shown on the Schedule of Benefits in your Certificate. For example, if you have loss for which MetLife paid 50% of the Full Amount, MetLife pays no more than 50% of the Full Amount for the next loss.
| Loss of: | % of Benefit Paid |
| Life | 100% |
| Hand | 50% |
| Foot | 50% |
| Arm | 75% |
| Leg | 75% |
| Sight of one eye | 50% |
| Combination of a Hand, Foot, and/or Eye | 100% |
| Thumb & Index Finger on the Same Hand | 25% |
| Speech and Hearing | 100% |
| Speech | 50% |
| Hearing | 50% |
| Paralysis of Both Arms and Both Legs | 100% |
| Paralysis of Both Legs | 50% |
| Paralysis of the Arm & Leg on Either Side of the Body | 50% |
| Paralysis of One Arm or Leg | 25% |
| Brain Damage | 100% |
| Coma | 1% monthly up to 60 months |
Maximum Amount payable for all Covered Losses sustained in one accident is capped at 100% of the Full Amount
Loss of hands or feet means loss by being permanently, physically severed at or above the wrist or ankle. Loss of sight means total and permanent loss of sight. Loss of speech and hearing means total and permanent loss of speech and hearing. Loss of thumb and index finger means loss by being permanently, physically, entirely severed.
Unless otherwise indicated, paralysis must be the result of a spinal cord injury which is due to an accident.
MetLife does not pay an AD&D benefit for any paralysis caused by a stroke. Paralysis must be determined by a doctor to be permanent, complete and irreversible.
Death benefits are paid to your beneficiary. Unless otherwise indicated, all other benefits are paid to you.
Termination
You may maintain your Accidental Death and Dismemberment Insurance coverage until age 80, as long as the Group Policy remains in force, you remain a MNCPA member, and pay your premium on time. Coverage for your dependents terminates when your coverage ends, you stop paying premiums, or they are no longer eligible due to change in age, dependency, or marital status, whichever occurs first.
Limitations
The Accidental Death & Dismemberment loss must occur within 365 days after the date of the accident and be a direct result of bodily injury sustained from that accident, independent of other causes.
Exclusions
Accidental Death & Dismemberment insurance does not include payment for any loss which in any way results from or is caused by or contributed to by:
- physical or mental illness or infirmity, or the diagnosis or treatment of such illness or infirmity;
- infection, other than infection occurring in an external accidental wound, or from food poisoning;
- suicide or attempted suicide; (In Missouri, such exclusion only applies while the person is sane);
- intentionally self-inflicted injury;
- service in the armed forces of any country or international authority. However, service in reserve forces does not constitute service in the armed forces, unless in connection with such reserve service an individual is on active military duty as determined by the applicable military authority other than weekend or summer training. For purposes of this provision reserve forces are defined as reserve forces of any branch of the military of the United States or of any other country or international authority, including but not limited to the National Guard of the United States or the national guard of any other country;
- any incident related to: 1) travel in an aircraft as a pilot, crew member, flight student or while acting in any capacity other than as a passenger; 2) travel in an aircraft for the purpose of parachuting or otherwise exiting from such aircraft while it is in flight; 3) parachuting or otherwise exiting from an aircraft while such aircraft is in flight except for self preservation; 4) travel in an aircraft or device used for testing or experimental purposes; by or for any military authority; or for travel or designed for travel beyond the earth’s atmosphere;
- committing or attempting to commit a felony;
- the voluntary intake or use by any means of: 1) any drug, medication or sedative, unless it is: taken or used as prescribed by a Physician, or an “”over the counter”” drug, medication or sedative, taken as directed; 2) alcohol in combination with any drug, medication, or sedative; or 3) poison, gas, or fumes;
- war, whether declared or undeclared; or act of war, insurrection, rebellion, active participation in a riot;
- driving a vehicle or operating another device while intoxicated as defined by the laws of the jurisdiction in which the vehicle or other device was being operated.
This summary provides an overview of your plan’s benefits. These benefits are subject to the terms and conditions of the contract between MetLife and your Plan Sponsor and are subject to each state’s laws and availability. Specific details regarding these provisions can be found in the booklet certificate.
AD&D coverages are provided under a group insurance policy issued to your plan sponsor by MetLife. AD&D coverage under your plan terminate when your membership ceases, when AD&D contributions cease, or upon termination of the group insurance policy. Dependent Life coverage will terminate when a dependent no longer qualifies as a dependent or when a dependent spouse reaches age 80. All insurance and insurance effective dates are subject to final underwriting approval.
Nothing in these materials is intended to be advice for a particular situation or individual. Like most insurance policies, insurance policies offered by MetLife and its affiliates contain certain exclusions, exceptions, reductions, limitations, waiting periods and terms for keeping them in force. Please contact your plan administrator, AMBA, at 1-800-732-8350 or by email at: customerservice.service@getamba.com for costs and complete details.
Wherever the term spouse appears will read as Domestic Partner throughout the plan summary.
1Cost of insurance rates are determined using methodologies that vary by company. These rates can vary and will generally increase with age. Rates for active employees may be different than those available to terminated or retired employees. It’s important to look at all factors when evaluating the overall competitiveness of rates and the value of life insurance coverage.
2In general, death benefits are received income tax free.
30-DAY FREE LOOK |
| If you’re not completely satisfied with the terms of your Certificate of Insurance, you may return it, without claim, within 30 days. Your coverage will be invalidated, and you will be sent a full refund, no questions asked! |