Accidental Death and Dismemberment Details
The Coma must begin within 31 days of the Accident. No benefits are payable for the first 31 days that the Insured is in a Coma.
For purposes of this benefit, Coma means a state of deep and total unconsciousness from which the comatose person cannot be aroused. A medically induced Coma does not meet the Benefit Description of a Coma. Benefit Duration This benefit is payable for up to 100 months per Accident. Additional Benefits under Accidental Death and Dismemberment Benefit Description This benefit may be payable on behalf of each Child if, due to Injuries sustained in an Accident, you or your Spouse dies. The following conditions also apply: Your Child must be: - enrolled as a full-time student in an accredited post-secondary institution of higher learning beyond the 12th grade level; or - at the 12th grade level and enrolled as a full-time student in an accredited post- secondary institution of higher learning beyond the 12th grade level within 365 days following the date of your or your Spouse's death. We must receive proof, at your or your authorized representative's expense, which includes, but is not limited to the following: - the date of enrollment for your Child in an accredited post-secondary institution of higher learning; - the name of the institution; and - the list of courses and the number of credit hours for the current academic year. Your or your Spouse's death must occur within 365 days from the date of the Accident. Benefits are payable to your Child or your Child's legal representative. This benefit provides a lump sum payment of 10% of your or your Spouse's AD&D Benefit Amount, to a maximum of $10,000 per academic year. The Education Benefit is separate from any Accidental Death and Dismemberment Benefit which may be payable. For the Education Benefit to be paid, your or your Spouse's Accidental Death Benefit must be paid first. Benefit Duration The Education Benefit for each Child has: - a total lifetime maximum of $100,000; - a maximum amount of benefit payments of 4 per lifetime; and - a maximum benefit period of no more than 6 years from the date the first benefit payment has been made. The Education Benefit will end for each Child on the earliest of the following dates: - the date your Child fails to furnish proof as required by us; - the date your Child no longer qualifies as a Child for any reason except your death; or - the end of the maximum benefit period.
Education Benefit
Exposure and Disappearance Benefit
Benefit Description Exposure
If an Insured is unavoidably exposed to the elements as the result of an Accident and suffers a Covered Loss, benefits will be payable in accordance with the Accidental Death and Dismemberment Schedule of Benefits.
UA-GTLC21-1
Group Life and Accidental Death and Dismemberment Certificate
(1/1/2025) 15
Unum Life Insurance Company of America
Made with FlippingBook Online newsletter