ASCP Accidental Death & Dismemberment Insurance PLAN DESCRIPTION
	Get up to $300,000 in coverage
	You can apply for coverage up to $300,000 with this affordable plan. Eligibility As a member or registrant of ASCP under age 70 and a U.S. Resident residing in the U.S., you may apply for coverage. Your legal spouse and unmarried dependent children ages 15 days to 19 years (25 if a full-time student) are also eligible for coverage. Choice of Plans You may choose the plan that best fits your needs: Personal Plan You may select an insurance amount from $25,000 to $300,000 in units of $25,000 of personal or family coverage. Family Plan You may select an insurance amount from $25,000 to $300,000 for yourself. Your spouse is automatically insured for 40% of your insurance amount and each eligible child for 5%. If you have no children, your spouse is covered for 50% of your insurance amount. Or if you are a single parent, each child is insured for 10% of your insurance amount. Payment of Benefits If an injury results in either death or dismemberment within 365 days after the injury, your Plan pays: FOR LOSS OF: BENEFIT: Life 100% of Insurance Amount Both hands; both feet; one hand and one foot; sight in both eyes; one hand and sight in one eye; one foot and sight in one eye; or two or more limbs 100% of insurance Amount Sight in one eye; one hand or one foot; speech or hearing in both ears 50% of Insurance Amount Thumb and one finger of one hand; two or more fingers of one hand 25% of Insurance Amount The total benefit payable for all losses that a person suffers as a result of one injury shall not exceed the full amount of insurance for which that person was insured on the date of the injury. If you lose the use of one member as the result of a covered injury, this plan will pay 50% of the full amount of insurance. If you lose the use of two or more members, this plan will pay 100% of the face amount of coverage. Only one benefit, the largest to which you are entitled, is paid for all losses from the same accident. All coverage will cease the date any benefits are paid as a result of a covered injury suffered by the member or registrant. Definitions Injury Means bodily injury resulting directly from accident and independently of all other causes which occurs while the Covered Person is covered under the policy. Loss resulting from: a) sickness or disease, except a pus-forming infection which occurs through an accidental wound; or b) medical or surgical treatment of a sickness or disease; is not considered as resulting from injury 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 and irrecoverable loss thereof; c) thumb and index finger, actual severance through or above the metacarpophalangeal joints. Affordable group premiums The group buying power of thousands of ASCP members puts affordable, quality disability coverage within your reach. Click here to determine your cost for the level of protection you want for yourself and your family. Accidental Death & Dismemberment Insurance rates Other important provisions of the plan Exclusions The policy does not cover any loss resulting from: 1. Intentionally self-inflicted injury, suicide or attempted suicide, whether sane or insane (in Missouri, while sane); 2. War or act of war, whether declared or undeclared; 3. Injury sustained while in the armed forces of any country or international authority. We will refund the pro rata portion of any premium paid for the period you are in the armed forces. (Reserve or National Guard duty or training is not excluded.) 4. Injury sustained while riding on any aircraft except a Civil or Public Aircraft, or Military Transport Aircraft; 5. Injury sustained while operating or serving as a crew member of any aircraft; 6. Injury sustained while voluntarily taking drugs which federal law prohibits dispensing without a prescription, including sedatives, narcotics, barbiturates,amphetamines, or hallucinogens, unless the drug is taken as prescribed or administered by a licensed physician; or 7. Injury sustained while operating a motor vehicle while legally intoxicated from the use of alcohol; or 8. Injury sustained while committing or attempting to commit a felony. Termination You may renew your coverage until age 70 as long as you remain a member or registrant of ASCP ; continue to pay your premiums when due; and the Master Policy remains in force. Your spouse’s or dependents’ coverage or both will terminate when yours does, or when they no longer meet the eligibility requirements; and the Master Policy remains in force; or their premiums are not paid; or they begin active duty in the armed forces. Effective date of coverage Your coverage will become effective on the first day of the month after your enrollment form and first premium payments are received by the administrator. It’s easy to apply for the ASCP Accidental Death & Dismemberment Insurance Get instructions and an application 100% Satisfaction Guarantee Our satisfaction guarantee makes it possible for you to examine the ASCP Accidental Death & Dismemberment Insurance Plan without risk. If you aren’t satisfied with the coverage, simply return your Certificate of Insurance within 30 days for a full refund minus any claims paid. ASCP ACCIDENTAL DEATH & DISMEMBERMENT
	Endorsed and recommended by: American Society for Clinical Pathology 2100 West Harrison Street Chicago, IL 60612 www.ascp.org
	Administered by: JZA Affinity 7735 Old Georgetown Road, Suite 800 Bethesda, MD 20814 1-800-865-2727 x1792 240-482-1892
Simsbury, CT	Underwritten by: Hartford Life and Accident Insurance Company About the Underwriter
	DISCLAIMER: This website explains the general purpose of the insurance described, but in no way changes or affects Master Policy ADD-9900 as actually issued. In the event of a discrepancy between this website and the policy, the terms of the policy apply. All benefits are subject to the terms and conditions of the policy. Policies underwritten by the Hartford Life and Accident Insurance Company detail exclusions, limitations, reduction of benefits and terms under which the policies may be continued in full or discontinued. Complete details are in the Certificate of Insurance issued to each insured individual and the Master Policy issued to the policyholder. This program may vary and may not be available to residents of all states. Policy Form #7582 A2 (9900) Click here to apply for ASCP Accidental Death & Dismemberment Insurance