Voluntary Accidental Death & Dismemberment Plus Insurance
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Voluntary Accidental Death and Dismemberment Plus Insurance Nobody is ever prepared to handle an accidental death or the trauma of a crippling accident. Protect yourself and your family fi nancially against such unpredictable events with Accidental Death and Dismemberment PLUS Insurance.
Pacific Guardian Life is here for you. Our home office is located here in Hawaii to take care of your needs.
Policy Features:
Only available in Hawaii, Guam and Saipan. Some exclusions and limitations may apply.
Benefits Under Family Coverage:
VADD Plus Benefits:
If an injury due to an accident results in death or disability within one year from the date of the accident, the benefit paid will be as follows:
Accidental Loss Of
Benefit Amount
Life or loss of two or more members*
100%
Loss of speech and hearing
100%
Loss of speech or hearing
50%
Loss of one member*
50%
Loss of thumb and index finger of same hand
25%
Paralysis
Quadriplegia
100%
Paraplegia
50%
Hemiplegia
50%
*Note: “Member” means hand, foot or eye
Family Coverage
If family coverage is purchased, the dependent’s benefit will be based on a percentage of the employee’s amount and family composition as follows:
Spouse and no children
50% of insured employee’s benefit amount
Spouse and children
Spouse: 40% of insured employee’s benefit amount
Each Child: 10% of insured employee’s benefit amount
Children and no spouse
Each Child: 15% of insured employee’s benefit amount
Eligible dependents are defined as:
If you elected family coverage, the following benefits may be payable:
SPOUSE CRITICAL PERIOD
Surviving spouse will receive an additional half-percent (1/2%) of the deceased person’s Benefit Amount for 12 months.
INCREASED DEPENDENT CHILD DISMEMBERMENT BENEFIT
If a dependent child received bodily injuries which results in a covered loss, the benefit amount will be doubled. If the dependent child dies within 90-days of the covered accident, then only the death benefit payable under the family plan will be paid.
CHILD CARE CENTER BENEFIT
If the insured and/or spouse dies from a covered accident, an additional benefit is payable for each dependent child under age 13 who is or becomes enrolled in a licensed Child Care Center within 365 days from the date of the covered accident. The benefit is equal to 2% of the principal sum but not more than $4,000 per year. The benefit is paid once a year for not more than 5 years or until dependent child’s 13th birthday, whichever occurs first.
COMMON ACCIDENT
If the insured employee and covered spouse dies within one year of a common accident, the spouse’s benefit will be increased to 100% of the insured employee’s Benefit Amount. The combined maximum shall not be more than $400,000. “Common Accident” means the same accident or separate accidents that occur within the same 24 hour period.
SEAT BELT
An additional 50% of the Benefit Amount is payable if you or your dependent suffers loss of life or limb as the result of a covered accident which occurs while the insured is driving or riding in an automobile and using a seat belt.
SPECIAL EDUCATION
Benefits are payable for incurred eligible expenses if the insured dies as a result of a covered accident.
Some exclusions and limitations may apply.
This is only a summary of the benefits provided under the insurance policy. All other limitations of the policy will apply. In the event of any inconsistency between this summary and the actual provisions of the policy, the actual provisions of the policy shall govern.
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Mail:
Pacific Guardian Life
1440 Kapiolani Blvd.,
Suite 1700
Honolulu, HI 96814