EMA ACCICARE DI

Association Membership with Disability Insurance

For Association Members ONLY



Member Price is only $39.95 per month


INSURED MEMBER BENEFITS

EMA AcciCare DI


Temporary Total Disability Weekly Benefit
(See Details Below)

$500


Accidental Death & Dismemberment
(See Details Below)

$5000

MEMBER BENEFITS

EMA AcciCare DI


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This is a Summary of Benefits available to you as a Member of Emergency Management Alliance.
As this is a Summary, it does not provide complete details of the coverage that may be available.
Please refer to the language in your policy for a complete list of terms and conditions which can be viewed at www.EMAMember.com

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Liberty™ Accident

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YOUR ELIGIBILITY

You must be an Elite Member in good standing of the Emergency Management Alliance to remain eligible for Accident coverage. If you cancel or fail to renew your Membership, your Accidental Death & Dismemberment and Temporary Total Disability coverage will end.

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PRINCIPAL SUM

Class One

Principal Sum

All Members enrolled in Elite Membership of the Policyholder for whom the Policyholder has paid the appropriate premium.

$5,000

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Accidental Death & Dismemberment

Your coverage will pay you a benefit if you suffer any of the covered losses listed below. The amount of the benefit you will receive is the percentage of the principal sum. For example, if you suffer a loss of life, the benefit would equal to 100% of the principal sum or $5,000.
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Loss of Life

100% of the Principal Sum

Loss of Two or More Hands or Feet

100% of the Principal Sum

Loss of Sight in Both Eyes

100% of the Principal Sum

Loss of Speech and Hearing (in Both Ears)

100% of the Principal Sum

Loss of One Hand or Foot and Sight in One Eye

100% of the Principal Sum

Loss of One Hand or Foot

50% of the Principal Sum

Loss of Sight in One Eye

50% of the Principal Sum

Loss of Speech

50% of the Principal Sum

Loss of Hearing (in Both Ears)

50% of the Principal Sum

Loss of Thumb and Index Finger of the Same Hand

25% of the Principal Sum


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Temporary Total Disability Weekly Benefit

Your coverage will pay you a weekly benefit of $500 if you suffer an injury that results in a Total Disability.
The benefit will become payable after a 30-day Elimination Period and will continue as long as you remain Totally Disabled for a maximum of 13 Weeks.
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24-Hour Accident Protection – Business and Pleasure

You will be covered if you suffer a covered loss that occurs any time while insured by this Policy, subject to all applicable conditions and exclusions.
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TERMINATION

Your insurance coverage will terminate on the earliest of the following dates:

  1. The date premium payments cease to be made, subject to the Grace Period;
  2. The date you cease to qualify as an Elite member with Emergency Management Alliance; or
  3. The date Emergency Management Alliance terminates or does not renew the Policy.

Loss of coverage will not affect a claim that was incurred while you were a covered member in good standing.

...


SELECTED DEFINITIONS

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Accident or Accidental means a sudden, unexpected, specific and abrupt event that occurs by chance at an identifiable time and place while the Insured Person or Insured Dependent is covered under the Policy.
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Activities of Daily Living (ADL) means the following activities:

  • Bathing - the ability to wash oneself in either a tub or shower, or by sponge bath; including the tasks of getting into and out of the tub or shower with or without the assistance of equipment;
  • Dressing - the ability to put on, take off, and secure all necessary and appropriate items of clothing and any necessary braces or artificial limbs;
  • Toileting - the ability to get to and from the toilet, get on and off the toilet, and perform associated personal hygiene with or without the assistance of equipment;
  • Transferring - the ability to move in and out of bed, chair, or wheelchair with or without the assistance of equipment;
  • Eating - the ability to get nourishment into the body by any means once it has been prepared and made available to one with or without the assistance of equipment; and
  • Continence - the ability to voluntarily maintain control of bowel and/or bladder function or, in the event of incontinence, the ability to maintain a reasonable level of personal hygiene.
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Covered Death means Accidental death:

1. which is the direct result of a Covered Accident;

2. which results directly and independently from all other causes from a Covered Accident and independent of Sickness, disease, mental incapacity, bodily infirmity or any other cause; and

3. suffered by the Insured Person or Insured Dependent within the applicable time period specified in the Schedule of Benefits.

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Covered Injury means Accidental bodily injury:

1. which is sustained by an Insured Person or Insured Dependent as a direct result of a Covered Accident that is external to the body;

2. which results directly and independently from all other causes from a Covered Accident (independent of Sickness, disease, mental incapacity, bodily infirmity or any other cause) that causes a Covered Loss; and

3. suffered by the Insured Person or Insured Dependent within the applicable time period specified in the Schedule of Benefits.

The Covered Injury must be caused through Accidental means. All injuries sustained by an Insured Person or

Insured Dependent in any one Accident, including related conditions and recurrent symptoms of these injuries, are considered a single injury.

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Covered Losses means a loss which results from a Covered Injury or Covered Death, and for which benefits are payable under the Policy. Covered Loss includes any expenses arising from services or supplies rendered or obtained by the Insured Person when such services and supplies are covered by the Policy.

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Elimination Period means the period of Total Disability as shown in the Schedule of Benefits that must elapse before benefits are payable.

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Loss of a Hand or Foot means complete Severance through or above the wrist or ankle joint.

Loss of Hearing means total and permanent loss of ability to hear any sound in both ears which is irrecoverable by natural, surgical or artificial means.

Loss of Sight means the total, permanent Loss of Sight of one eye. The Loss of Sight must be irrecoverable by natural, surgical or artificial means.

Loss of Speech means total and permanent loss of audible communication which is irrecoverable by natural, surgical or artificial means.

Loss of a Thumb and Index Finger of the Same Hand means complete Severance through or above the metacarpophalangeal joints of the same hand (the joints between the fingers and the hand).

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Total Disability or Totally Disabled means either:

  1. inability of the Insured Person who is currently employed to perform a gainful occupation for which he is or may become qualified by reason of education, training or experience; or inability of the Insured Person who is not currently employed to perform 3 of the 6 Activities of Daily Living including Eating, Transferring, Dressing, Toileting, Bathing, and Continence, without human supervision or assistance.

EXCLUSIONS

We will not pay benefits for accidental deaths or injuries suffered as a result of any of the following:

1. Intentionally self-inflicted injury, suicide or any attempt while sane or insane;

2. Commission or attempt to commit a felony or an assault;

3. Commission of or active participation in a riot or insurrection;

4. Declared or undeclared war or act of war or any act of declared or undeclared war unless specifically provided by the Policy;

5. The Insured Person’s intoxication as determined according to the laws of the jurisdiction in which the Covered Loss occurred or the laws of the Home Country;

6. Voluntary ingestion of any narcotic, drug, poison, gas or fumes, unless prescribed or taken under the direction of a Physician and taken in accordance with the prescribed dosage;

7. Release, whether or not Accidental, or by any person unlawfully or intentionally, of nuclear energy or radiation, including Sickness or disease resulting from such release;

8. A Covered Loss that occurs while on active duty service in the military, naval or air force of any country or international organization. Upon the Company’s receipt of proof of service, the Company will refund any premium paid for this time. Reserve or National Guard active duty training is not excluded unless it extends beyond 31 days;

9. Travel or activity outside the United States to any country for which a travel warning has been issued or renewed by the U.S. State Department within 60 days prior to date of departure and any country to which travel by U.S. citizens is restricted or prohibited;

10. Flight in, boarding or alighting from an Aircraft or any craft designed to fly above the Earth’s surface,

except as a fare-paying passenger on a regularly scheduled commercial airline;

11. Bungee-cord jumping, parachuting, skydiving, parasailing, hang-gliding, rock climbing, ice climbing, dune buggy riding, base jumping, kayaking, mountain biking, skate boarding, skiing, snowboarding, motocross, car racing, storm chasing, ATV riding, bridge swinging, bull riding or racing, cliff diving, and dog sledding;

12. Sickness, disease, bodily or mental infirmity, bacterial or viral infection or medical or surgical treatment thereof, except for any bacterial infection resulting from an accidental external cut or wound or accidental ingestion of contaminated food;

13. Medical or surgical treatment, diagnostic procedure, administration of anesthesia, or medical mishap or negligence, including malpractice unless it occurs during treatment of injuries sustained in a Covered Injury;

14. A cardiovascular event or stroke resulting, directly and independently of all other causes, from exertion, as verified by a Physician, while the Insured Person participates in a Covered Activity;

15. Travel in or on any off-road motorized vehicle that does not require licensing as a motor vehicle;

16. Participation in any motorized race or contest of speed or stunt show;

17. An accident if the Insured Person is the operator of a motor vehicle and does not possess a valid motor vehicle operator's license, unless: (a) the Insured Person holds a valid learners permit and (b) the Insured Person is receiving instruction from a driver's education instructor;

18. Participation in any team sport or any other athletic activity, except participation in a Covered Activity.

In addition, benefits will not be paid for services or treatment rendered by any person who is:

1. employed or retained by the Policyholder;

2. a Resident of the Same Household;

3. an Immediate Family Member including Domestic Partner of either the Insured Person or the Insured Person’s Spouse;

4. the Insured Person



Liberty Insurance Underwriters Inc., a Liberty Mutual company, issues Group Accidental Death and Dismemberment Insurance on policy form series LIUI GADD (Ed. 05 13) and state variations identified by state code. Group Accidental Death and Dismemberment insurance can provide benefits if a covered injury is sustained, or death or dismemberment or temporary total disability occurs, in a covered accident, and it is not a substitute for major medical insurance. Product design and availability vary by state. Features and benefits may vary based on state approval. The policy form contains definitions of each of the injuries, occurrences, or events covered by the policy and the periods during which the injury or total disability must be diagnosed or services provided, or the occurrences or events occur. This is a limited benefit policy. Payment of benefits is in the form of a cash payment, and benefits will be reduced on and after certain ages. Payment is based upon sustaining a covered injury or covered death, or temporary total disability, in a covered accident or the occurrence of a covered event and is subject to policy terms and conditions, including incurral periods, limitations, and exclusions, including, in certain instances, exclusions for sickness and disease, pre-existing conditions, and for injuries sustained during certain specific activities. Coverage provided and underwritten by Liberty Insurance Underwriters Inc. Home office: 175 Berkeley Street, Boston, MA 02116. Service center: Dover, NH.

© 2021 Liberty Mutual Insurance

States Available

AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, ME, MI, MS, NE, NJ, NM, NV, NY, OH, OK, PA, RI, SC, TN, TX, UT, VA, WI, WV


States Not Available

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Enrollment
$10.00 one-time
Product
$39.95 per Month for Individual
Standard 1-5 business days $7.95
Two Day 2 business days $15
Next Day 1 business day $30
* Free on orders of $50 or more


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