Accidental Death and Dismemberment Details
The Covered Loss must occur within 365 days from the date of the Accident. Disappearance If an Insured's body cannot be located within 365 days after the Insured's disappearance, due to a forced landing, stranding, or wrecking of any Common Carrier in which the Insured was riding at the time of the Accident, the Insured will be presumed to have died in the Accident. Benefits will be payable for Accidental Death in accordance with the Accidental Death and Dismemberment Schedule of Benefits. The most we will pay for any combination of Covered Losses from any one Accident is 100% of an Insured's AD&D Benefit Amount. Benefit Duration This benefit is payable once per Insured per Accident. Benefit Description This benefit may be payable if an Insured dies due to Injuries sustained in a Motorcycle Accident and all the following are met: - the Insured was operating or riding as a passenger on a Motorcycle when the Accident occurred; - the Insured was wearing a Helmet that was properly fastened at the time of the Accident; - if the Insured was operating the Motorcycle, the Insured must have held a valid driver's license appropriate for the Motorcycle; and - the use of a Helmet is certified in the official report of the Accident, or by the investigating officer. A copy of the police Accident report must be submitted with the claim. The Insured's death must occur within 365 days from the date of the Accident. For purposes of this benefit: Helmet means protective headgear that meets or exceeds the standard established by the SNELL Memorial Foundation Standard M-95 or M2000, the American National Standards Institute specification Z 09.1, or the United States Department of Transportation's Federal Motor Vehicle Safety Standard No.218. Motorcycle means a motorized vehicle registered for use on public roads. If certification is not available, and it is clear that the Insured was properly wearing a Helmet, then we will pay an amount equal to 10% of the Insured's AD&D Benefit Amount to a maximum of $25,000. However, if such certification is not available, and it is unclear whether the Insured was properly wearing a Helmet, then we will pay a fixed benefit of $1,000. The Helmet Benefit is separate from any Accidental Death and Dismemberment Benefit which may be payable. For the Helmet Benefit to be paid, the Insured's Accidental Death Benefit must be paid first. Benefit Duration This benefit is payable once per Insured. Benefit Description This benefit may be payable for the preparation and transportation of the Insured's body to a chosen mortuary, when an Insured's death occurs more than 100 miles away from the Insured's principle place of residence due to an Injury sustained in an Accident. Benefits are payable to the beneficiary or whomever paid the actual cost incurred. From all Unum group life and accidental death and dismemberment insurance policies combined we will pay a lump sum payment up to a maximum of $10,000 not to exceed the actual expenses incurred for the preparation and transportation of the Insured's body
Helmet Benefit
Repatriation Benefit
UA-GTLC21-1
Group Life and Accidental Death and Dismemberment Certificate
(1/1/2025) 16
Unum Life Insurance Company of America
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