SUMMARY OF INSURANCE PROVISIONS-Hartford Life and Accident Insurance Company
As a member of the Credit Union age 18 or over, you are eligible for $1,000.00 of Accidental Death and Dismemberment Insurance. Premiums for this Basic Coverage will be paid by your Credit Union. THERE IS NO COST TO YOU. In order to put your coverage in force, YOU MUST COMPLETE AN ENROLLEMENT FORM AND MAIL. At age 70 coverage is reduced to $500.00.
IMPORTANT! Your completed form must be on file in order for a Certificate of Insurance to be issued in your name.

This summary explains the general purpose of the insurance described, but in no way changes or affects the policy as actually issued. In the event of a discrepancy between this information and the policy, the terms of the policy apply. Complete details are in the Certificate of Insurance issued to each insured individual.
Coverage Provided
When covered injury results in any of the following losses within one year from the date of the accident, the Company will provide, in one sum, the following amounts (reduced 50% at age 70):
Loss of life $1,000 Loss of entire sight in one eye $500
Loss of two members (hand, foot, or eye) $1,000 Loss of one hand or foot $500
Loss of speech and hearing $1,000 Loss of speech or hearing $500
Loss of entire sight in both eyes $1,000 Loss of thumb and index finger on either hand $500
The loss of a hand or foot means complete severance through or above the wrist or ankle joint; for thumb or index finger, it means complete severance through or above the metacarpophalangeal joints. The loss of sight of eye means irrecoverable loss of entire sight. The loss of speech means complete and irrecoverable loss thereof; for hearing it means complete and irrecoverable loss of hearing in both ears. Loss means with regard to: a) hands and feet, actual severance through or above the wrist or ankle joints; b) sight, speech or hearing, entire or irrecoverable loss thereof; c) thumb and index finger, actual severance through or above the metacarpophalangeal joints.
Who is Eligible
All members of the Credit Union are 18 or over when applying, are eligible for coverage. Every member of the Credit Union age 18 or over who completes and returns an enrollment form will be accepted. Coverage will become effective on the first day of the month on the next available quarterly effective date following receipt of your enrollment form.
Individual Terminations
As long as you remain a member of the Credit Union and the Master Policy remains in force, your coverage will be renewed. The Group Master Policy is renewable annually.
General Exclusions
This plan does not cover any loss resulting from: Intentionally self-inflicted injury, suicide or attempted suicide, whether sane or insane; War or act of war, whether declared or undeclared; Injury sustained while riding On any aircraft except Civil, Public, or Military Transport Aircraft; Injury sustained while riding On any aircraft: a) As a pilot, crew member or student pilot; b) As a flight instructor or examiner; or c) If it is owned, operated or leased by or on behalf of the policyholder, or any employer or organization whose eligible persons are covered under the policy; Injury sustained while voluntarily taking drugs, including sedatives, narcotics, barbiturates, amphetamines, or hallucinogens, unless the drug is taken as prescribed for or administered by a licensed physician; Injury sustained as a result of being intoxicated from the use of alcohol; Injury sustained while committing or attempting to commit a felony.