SUMMARY OF INSURANCE PROVISIONS

ELIGIBILITY  All active, dues-paying USPA members are eligible for this coverage. Spouses or domestic partners and unmarried dependent children (under age 19, 25 if a full-time student) may be covered provided the member chooses the Family Plan when enrolling.

GUARANTEED ACCEPTANCE  Every eligible member will be accepted for this coverage regardless of health or occupation. No physical examination is necessary and there are no health questions to answer.

 

Plan

Principal Sum for

Parachuting Accidents

Double Principal Sum for

non-Parachuting Accidents

Member Only

Rate Per Quarter 

Family Plan

Rate per Quarter 

1 $25,000 $50,000 $49.50 $54.00
2 $50,000 $100,000 $99.00 $108.00
3 $75.000 $150,000 $148.50 $162.00
4 $100,000 $200,000 $198.00 $216.00

BENEFITS   This accident program provides coverage 24 hours a day while on business or pleasure.  You are covered while traveling and while parachuting.  The insurance also covers you while riding as a passenger in an aircraft being used for the transportation of passengers for hire.  Benefits are payable only for covered losses that result form an accident which occurs while your coverage is in force.

If a covered Accident results in a loss to the Insured Person within 365 days of the accident, then the Company will pay:

  • 100% of the Principal Sum selected will be paid for loss of life, both hands or both feet, sight of both eyes, speech & hearing in both ears, loss of speech or hearing & one of: los sof hand, foot, or sight of one eye.
  • 50% of the Principal Sum selected will be paid for loss of one hand or one foot, sight of one eye, speech or hearing in both ears.
  • 25% of the benefit amount selected will be paid for loss of thumb and index finger of the same hand.

 ADDED BENEFITS

Paralysis Benefit:  If a covered acciedent results in an insured person's paralysis within 365 days of the date of the accident causing the injury, the plan will pay the percentage of the Principal Sum as follows:

  • 100%: "Quadriplegia" means the complete and irreversible loss of all motion and all practical use of both arms and both legs that lasts longer than 365 days.
  • 75%:   "Paraplegia" means the complete and irreversible loss of all motion and all practical use of both legs that lasts longer than 365 days.
  • 50%:    "Hemiplegia" means the complete and irreversible loss of all motion and all practical use of one arm and one leg on the same side of the body that lasts longer than 365 days.
  • 25%:   "Uniplegia" means the complete and irreversible loss of all motion and all practical use of one arm and one leg that lasts longer than 365 days.

If the Insured Person suffers more than one type of paralysis as a result of the same accident, only one amount, the largest, will be paid.

Medical Evacuation and Repatriation:  If Accidental Bodily Injury, disease or illness requires Medical Evacuation or Repatriation, we will pay the costs for such evacuation or repatriation up to a maximum benefit of $5,000. Medical Evacuation or Repatriation must be ordered by a Physician who certifies that evacuation or repatriation is necessary to prevent death or serious deterioration of your medical condition. We will also guarantee payment of Hospital Admission incurred for Emergency Medical Treatment up to $500. If a covered Accidental Bodily Injury, disease or illness requires a hospital stay of more than five (5) days, we will pay for an accompanying Dependent Child to return to his or her primary residence. All arrangements for Medical Evacuation and Repatriation must be made by the Assistance Services Administrator. 

THE FAMILY PLAN

  • Your spouse or domestic partner is automatically insured for 40% of your Additional Coverage (increases to 50% if no dependent children).
  • Your children are automatically insured for 10% of your Additional Coverage (increases to 20% if no spouse or domestic partner)
  • EXAMPLE:

       Member Coverage = $100,000*

       Spouse or Domestic Partner Coverage = $40,000 ($50,000 if no children)*

       Child Coverage = $10,000 ($20,000 per child if no spouse or domestic partner)*

* All benefits reduce by 50% for parachuting-related activities

TERMINATION  Your coverage cannot be cancelled as long as you are a USPA member, the program remains in effect and your premiums are paid.  If you decide to discontinue your participation in the program, your coverage will continue until the end of the period for which premiums have been paid.  Either the insurance company or USPA can terminate the policy by providing written notice to the other party.

DESCRIPTION OF COVERAGE  Each member enrolling in the plan will receive a Description of Coverage which describes in detail the benefits, limitations, and exclusions of the policy.

EFFECTIVE DATE  Your coverage will be effective on the first day of the month following receipt of your completed enrollment form by the Program Administrator provided premium has been paid. 

BENEFICIARY You may name any person you choose as the beneficiary of your coverage.  Please be sure to indicate the name of this person on your enrollment form

POLICY EXCLUSIONS Insurance does not apply to the extent that trade or economic sanctions or other laws or regulations prohibit us from providing the insurance. In addition no benefits will be paid for any Accident caused by or resulting from directly or indirectly: 1) an Insured Person being in, entering, or exiting any aircraft: a) owned, leased or operated by the Policyholder or on the Policyholder's behalf; or b) operated by an employee of the Policyholder on the Policyholder's behalf. This exclusion does not apply to Owned Aircraft, Leased Aircraft or Operated Aircraft listed as on file with the Policyholder when piloted by a certified pilot licensed to operate such aircraft. The Owned Aircraft, Leased Aircraft or Operated Aircraft must have an unrestricted airworthiness certificate from a governmental authority with competent jurisdiction; 2) an Insured Person riding as a passenger in, entering, or exiting any aircraft while acting or training as a pilot or crew member. (This exclusion does not apply to passengers who temporarily perform pilot or crew functions in a life threatening emergency.); 3) an Insured Person's emotional trauma, mental or physical illness, disease, pregnancy, childbirth or miscarriage, bacterial or viral infection, bodily malfunctions or medical or surgical treatment thereof. (This exclusion does not apply to an Insured Person's bacterial infection caused by an Accident or by Accidental consumption of a substance contaminated by bacteria.); 4) an Insured Person's commission or attempted commission of any illegal act, including but not limited to any felony; 5) any occurrence while an Insured Person is incarcerated after conviction; 6) an Insured Person being intoxicated, at the time of an Accident. Intoxication is defined by the laws of the jurisdiction where such Accident occurs; 7) an Insured Person being under the influence of any narcotic or other controlled substance at the time of an Accident. (This exclusion does not apply if any narcotic or other controlled substance is taken and used as prescribed by a Physician.); 8) an Insured Person participating in military action while in active military service with the armed forces of any country or established international authority. (This exclusion doesnot apply to the first 60 consecutive days of active military service with the armed forces of any country or established international authority.); 9) an Insured Person traveling or flying on any a) flight on a rocket propelled or rocket launched aircraft, or b) flight which requires a special permit or waiver from a governmental authority having jurisdiction over civil aviation, whether or not such permit or waiver is granted; 10) an Insured Person's suicide, attempted suicide or intentionally self-inflicted injury; 11) a declared or undeclared War.

Underwritten by: Federal Insurance Company, a member of the Chubb Group of Insurance Companies. This literature is descriptive only.  Actual coverage is subject to the language of the policy as issued (policy #9907-07-50).  Exclusions and limitations apply.   Chubb, Box 1615, Warren, N.J. 07061-1615. 

Sold by:  Edward Klayman, Licensed Appointed Agent of Federal Insurance Company

Administered by:  NBFSA,  P.O. Box 24279, Winston Salem, NC 27114-4279

If you have any questions, call the Plan Administrator TOLL-FREE at 877-539-6993, weekdays between 9 a.m. and 7 p.m. Eastern Time.

The sponsoring entity, USPA, incurs costs in connection with providing oversight and administra­tive support for the sponsored plan. To provide and maintain this valuable membership benefit, the sponsoring entity is reimbursed for the costs incurred. The sponsoring entity, or its affiliate, also receives a fee in conjunction with the plan.