Accidents Do Happen

No one plans to have a serious accident, so when one happens the financial consequences can be devastating. The ISBA Accidental Death & Dismemberment (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.

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. All members, and their employees, under age 70 will automatically be accepted into this plan.

Family Coverage

Your spouse/domestic partner and dependent children (14 days to age 25) are also guaranteed coverage. Your spouse/domestic partner benefits are 40% of the benefit amount you choose and dependent child(ren)'s benefits are 10% of your benefit. If no spouse/domestic partner coverage is elected, each dependent child's coverage is 15% of your benefit. If no child coverage is elected, your spouse's/domestic partners benefits are 50% of your coverage.

Take a look at the enrollment form and brochure for more information.

• Safe Driver Benefit
• Education Benefits
• Child Care Benefits Paid To Your Family
• Coma Benefit
• Common Carrier Benefit
• Total And Permanent Disability
• Training Benefit
• Elder Care Benefit
• Expose and Disappearance Benefit
• Transportation Benefit
• Burn Disfigurement Benefit
• Rehabilitation Benefit
• Common Disaster Benefit

Below is the plan's rate chart:

Rates do not increase with age. Rates shown are guaranteed until June 30, 2024. For your convenience, you will be billed annually. If applicable, an additional $2.00 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 options.

EXCLUSIONS

ReliaStar Life does not pay benefits for loss directly or indirectly cause by any of the following:

• An accident occuring before the Effective Date of the Group Policy
• Suicide or intentionally self-inflicted injury, while sane or insane.
• Physical or mental illness.
• Bacterial infection or bacterial poisoning. Exception: Infection from a cut or wound caused by an accident; Accidental ingestion of a poisonous food substance.
• Riding in or descending from an aircraft as a pilot or crew member.
• Any armed conflict, whether declared as war or not, involving any country or government.
• Injury suffered while in the military service for any country or government.
• Injury which occurs when you commit or attempt to commit a crime.
• Use of any drug, narcotic or hallucinogenic agent, unless prescribed by a doctor and taken as directed by a doctor or the manufacturer.
• Your intoxication. Intoxication means your blood alcohol content meets or exceeds the legal presumption of intoxication under the laws of the state where the accident occurred.

Consider your Eligibility
Before you apply for coverage, you must be a member in good standing of ISBA. You must be a member for 30 days before initiating your insurance request. If you have any questions about membership, see the ISBA home page.

Questions? We're only a phone call away.
If you have questions about your eligibility, call a service representative toll-free at 1-800-503-9230 between 7:30 a.m. and 5 p.m. Central Time, Monday through Friday.

This is a summary of benefits only. A complete description of benefits, limitations, exclusions and termination of coverage will be provided in the certificate of coverage. All coverage is subject to the terms of the group policy. If there is any discrepancy between this document and the group policy documents, the policy documents will govern.

Accidental Death and Dismemberment insurance coverage is provided under the terms of a health insurance policy, Group Policy 64971-1 issued and delivered in the state of Illinois, and governed by its laws, to the Illinois State Bar Association as the policyholder. The group health insurance policy is issued by ReliaStar Life Insurance Company, Minneapolis, Minnesota. The policy is administered on behalf of ReliaStar Life Insurance Company by AMBA, an insurance administrator licensed in the state of Illinois. Policy Form HP09GPIL.

This is a paid endorsement. The ISBA receives a fee from the insurance broker and/or the insurer for its endorsement of this plan.