Accidental Total Disability (ATTD) Benefit
Elimination period: 30 days.
Benefit period: Up to 52 weeks.
Occupation: True own occupation
Coverage available for Member AND Spouse/Domestic Partner
Benefit amount: Choose from 3 options
• Fixed amount of $500 per week
• 60% of weekly salary to a maximum of $750 per week
• 60% of weekly salary to a maximum of $1000 per week
Who is going to pay the bills?
In the event of a serious injury, paying the medical bills may be the least of your worries. If you can't work, how will you pay the rest of your bills? You still need to put food on the table, pay rent or mortgage, auto loans and all the rest. Worse yet, what will you do if both you and your spouse are disabled and unable to work? Who is going to pay the bills?
The answer is simple. The Accidental TDD benefit in your WBA membership.
ATTD Benefit Description:
This benefit will pay $500 fixed amount per week, up to $750 per week, or, up to $1000 per week, after the Elimination Period of 30 days, if accidental bodily Injury causes an Insured Person to suffer Temporary Total Disability. The weekly Benefit Amount for Temporary Total Disability will be paid in addition to any other applicable Benefit Amounts under this policy. The weekly Benefit Amount for Temporary Total Disability will be paid until the earliest of the date on which: 1) the Insured Person dies; 2) the Insured Person fails to provide Us with satisfactory evidence of a continuing Temporary Total Disability; 3) the Insured Person no longer has a Temporary Total Disability; or 4) the Maximum Benefit Period of 52 weeks has ended.
Periods of Temporary Total Disability separated by less than 14 consecutive days of return to work will be considered one period of Temporary Total Disability, unless due to separate and unrelated causes. No additional Elimination Period will be required. However, the Maximum Benefit Period of 52 weeks will be reduced by the number of weeks for which benefits have already been paid, including but not limited to the weekly Benefit Amount for Temporary Total Disability.
Limitations on ATTD:
No weekly Benefit Amount for Temporary Total Disability shall be paid for any period of time during which the Insured Person is not under the continuous care of a Physician.
Sample ATTD Certificates
Accidental Death & Dismemberment (ADD) Included with ATTDADD Benefit Description:
BENEFIT AMOUNT - $5,000
We (Federal Insurance Company) will pay the applicable Benefit Amount if an accident results in a covered Loss not otherwise excluded. The accident must result from an insured Hazard and occur while an Insured Person is insured under this policy, while it is in force. The covered Loss must occur within one (1) year after the accident. 24 Hour Business and Pleasure Hazard means all circumstances, subject to the terms and conditions of the policy, to which an Insured Person may be exposed.
If Member Only Coverage is selected - All members of the Policyholder who have elected ATTD coverage, and paid the required premium.
If Member & Spouse Coverage is selected - All members of the Policyholder who have elected ATTD coverage, and their Spouse or Domestic Partner, for whom coverage has been elected, and paid the required premium
100% of the Benefit Amount is payable for accidental: Loss of Life; Loss of Speech and Loss of Hearing; Loss of Speech and one of: Loss of Hand, Foot or Sight of One Eye; Loss of Hearing and one of: Loss of Hand, Foot or Sight of One Eye; Loss of both Hands, both Feet, loss of Sight or any combination thereof; 50% of the Benefit Amount is payable for accidental: Loss of Hand, Foot or Sight of One Eye (any one of each); Loss of Speech or Loss of Hearing; 25% of the Benefit Amount is payable for accidental: Loss of Thumb and Index Finger of the same hand.
If an Insured Person suffers multiple covered Losses as the result of one (1) Accident, then We will only pay the single largest Benefit Amount applicable to all such covered Losses.
Reduction of Benefit Amount: If an Insured Person is age 70 or older on the date of an Accident causing Loss, then the Benefit Amount payable will be reduced to 65% at age 70, to 45% at age 75, to 30% at age 80 and to 15% at age 85. The Benefit Amount cannot be increased after age seventy (70).