ASCP Hospital Cash Insurance PLAN DESCRIPTION
	Get up to $300 per day in benefits
	You can apply for benefits from $20 up to $300 per day with this affordable plan. Eligibility As a member or registrant of ASCP in good standing, under age 70, and a U.S. Resident, you may apply for benefits from $20 a day up to $300 a day in units of $20. Your legal spouse (under age 70) and a U.S. Resident is also eligible to apply for an equal amount of coverage. Your eligible, unmarried dependent children under age 23 may enroll for coverage. Choice of Plans You may choose the plan that best fits your needs: Member/Registrant Only You may select benefit amounts from $20 to $300 a day in units of $20.00. Member/Registrant & Spouse You may select benefit amounts for you, your spouse and dependant children from $20 to $300 a day in units of $20.00. Payment of Benefits Benefits are paid directly to you (unless you instruct us differently) to be used in any way you wish. They can be applied to your hospital bill; used to cover additional costs; or used to meet your family’s regular, ongoing expenses while you are hospitalized. An additional benefit, which doubles your hospital income amount, is payable when the Insured is confined in an Intensive Care Unit or Cardiac Care Unit of a hospital for treatment of a sickness or injury up to 365 days. 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. Hospital Cash Insurance Plan rates Other important provisions of the plan Pre-existing Condition Limitation During the first 12 months of coverage, losses incurred for Pre-Existing Conditions are not covered. A Pre-Existing Condition means any injury or sickness including pregnancy; diagnosed or undiagnosed, for which you have received medical care within the 12-month period prior to your coverage effective date or the date of an increase in coverage. During that time, benefits for all other accidents or illnesses will be paid under the policy provisions. You are urged to consider this limitation before dropping any coverage you may have until the waiting period is over. General Exclusions The Policy does not cover: intentionally self-inflicted injuries, suicide or attempted suicide, whether sane or insane, (in Missouri or Colorado while sane); any loss caused or contributed to by war or act of war, whether war is declared or not; any loss which occurs while the Covered Person is in any of the armed forces, whether land, water or air of any country or international authority; pregnancy or childbirth, except Complications of Pregnancy; Confinement in a Veterans Administration or any other National Government owned or operated Hospital. Drug Alcohol and Mental Nervous Limitation The benefit period for confinement for Mental or Nervous Disorders, alcoholism or drug abuse, is 30 days reduced to 60 days during your lifetime. Terminaton 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; or their premiums are not paid. Effective date of coverage Your coverage will become effective on the first day of the month after your enrollment form is received by the administrator, provided payment is received when due and you are not hospitalized or disabled on that date. If you are, the effective date will be delayed until the first day of the month following the end of your hospital stay. Definitions Hospital does not mean any institution or part thereof which is used primarily as: a) a nursing home, convalescent home, or skilled nursing facility; b) a place for rest, custodial care, or for the aged; c) a clinic; or d) a place for the treatment of mental illness, alcoholism, or drug addiction. Confinement means being an Inpatient in a Hospital due to Sickness or Injury. Successive Confinements: a) due to the same or related causes; and b) separated by less than 6 months; are part of the same Period of Confinement. A new Period of Confinement begins when the Covered Person is readmitted to a Hospital: a) for a new Sickness or Injury unrelated to the causes of a prior Confinement; or b) after he or she has been free of Hospital Confinement for 6 months or more. Injury/Injuries: Injury means bodily injury of a person resulting directly and independently of all other causes from an accident. It’s easy to apply for the ASCP Hospital Cash Insurance Plan. Subject to pre-existing conditions limitations. Get instructions and an application ASCP HOSPITAL CASH INSURANCE PLAN
	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 brochure explains the general purpose of the insurance described, but in no way changes or affects Master Policy AGP-5374 as actually issued. In the event of a discrepancy between this brochure 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 # SRP-1151-A (HLA) (5374) Click here to apply for ASCP Hospital Cash Insurance Plan