To enroll, you must be a federal employee or retiree, working full-time or part-time. You can enroll yourself, your spouse, and your dependent children up to age 26 — no health statement is required.
24/7 Coverage: This plan provides a lump-sum benefit that gives you around-the-clock protection in the event you experience an accidental bodily injury that results in death or the loss of hands, feet, or eyesight.
Monthly Expense Benefit: An additional benefit of 1 % of the amount of coverage payable per month for up to 12 months to a maximum of $1,000 per month. The benefit is payable if you die as a result of a covered accident within 365 days of the accident and you have a surviving spouse at the time of your death. The benefit will be paid until the earlier of your spouse dies or the benefit has been paid for 12 consecutive months.
Child Care Benefit : (available to members enrolled under Family Coverage): The plan provides a benefit for child care expenses of a covered dependent child under the age of thirteen if the member dies in a covered accident. The annual benefit is the lesser of the actual cost charged by the child care center per year, 5% of the member’s covered amount, or $5,000 a year up to four consecutive years or until the child reaches age thirteen.
Choose the amount that’s right for you
There are 10 levels — from $10,000 to $500,000
After Retirement — You may continue coverage into retirement.
| Benefit Amount Payable | |
|---|---|
| Loss of: | % of Principal Sum |
| Life | 100% |
| Both Hands or Both Feet | 100% |
| Sight in Both Eyes | 100% |
| One Hand and Foot | 100% |
| One Hand or One Foot and Sight of One Eye |
100% |
| One Hand or One Foot | 50% |
| Sight of One Eye | 50% |
| Speech and Hearing in Both Ears |
100% |
| Hearing in Both Ears | 50% |
| Speech | 50% |
| Thumb & Index Finger of Same Hand | 25% |
| Quadriplegia | 100% |
| Paraplegia | 75% |
| Hemiplegia | 50% |
| Seat Belt | Lesser of Additional 15% and $40,000 |
| Airbag | Lesser of Additional 10% and $5,000 |
| Coma | 1% up to 100 months, less any other Principal Sum benefits paid |
How Benefits are Paid Under Family Coverage
Member: Full insured amount
Spouse only: 60% of Member coverage
Child(ren) only: 20% of Member coverage (maximum $50,000/child)
Spouse and Child(ren): 50% of Member coverage for spouse / 15% of Member coverage for child(ren) (maximum $50,000/child)
Issued by The Prudential Insurance Company of America
You can select from $10,000 to $500,000.
Cover your spouse and unmarried children up to age 26.
Safe Driver, Education, Child Care, and other benefits included at no additional cost.
You can continue this plan, even if you change agencies, retire, or leave your federal employment.
This coverage is not health insurance coverage (often referred to as “Major Medical Coverage”).
Group Insurance coverages are issued by The Prudential Insurance Company of America, a Prudential Financial company, Newark, NJ. The Booklet-Certificate contains all details, including any policy exclusions, limitations, and restrictions, which may apply. Contract Series: 83500
This policy provides ACCIDENT insurance only. It does NOT provide basic hospital, basic medical, or major medical insurance as defined by the New York State Department of Financial Services.
IMPORTANT NOTICE – THIS POLICY DOES NOT PROVIDE COVERAGE FOR SICKNESS.
THIS IS AN EXCEPTED BENEFITS POLICY. IT PROVIDES COVERAGE ONLY FOR THE LIMITED BENEFITS OR SERVICES SPECIFIED IN THE POLICY.
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