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For all you do for your family, the unfortunate fact is that you can't protect them if you or your spouse is disabled or accidentally die without some type of planning. It is hard enough to deal with the suffering when a tragedy comes to a family. The last thing anyone wants is for a family to suffer financially as well. With IDRA's AD&D Insurance, you can safeguard your family and your self from this sort of hardship.
As long as you are an IDRA member under age 70, you are eligible to enroll in this AD&D Plan. Choose the benefit that best suits your needs from $10,000 to $250,000.
MORE ON ACCIDENTAL DEATH & DISMEMBERMENT
According to the National Safety Council, every six minutes someone suffers a fatal accident and every two seconds someone suffers a disabling injury. These kind of accidents can cripple a family financially. With IDRA’s Accidental Death & Dismemberment Plan, you can inexpensively protect you and your family from this sort of tragedy.
Benefits are paid 100% for:
--Loss of life
--Loss of both hands or feet
--Loss of entire sight in both eyes
--Loss of one hand or one foot
--Loss of speech and hearing in both ears
--Loss of either one hand or one foot and sight in one eye
Loss of use is also included in the plan. If you suffer total paralysis of a limb or appendage, a portion of your selected benefit amount may be payable. A complete schedule of benefits is provided in the Certificate of Insurance.
Benefits are paid directly to you or your beneficiary and are paid regardless of any other coverage you may have, even if you decide to continue working.
CAN I COVER MY FAMILY?
Yes, because accidents claim more than three times as many lives of children ages 5 to 14 than the next leading cause of death. For a minimal extra cost, the Family Plan covers your spouse if under the age of 70 and your children who are full-time students up until the age of 25. Spouses are covered for up to 50% of the chosen benefit and children are covered for up to 15% of the chosen benefit.
Coverage for individual and family plans are guaranteed renewable up to age 75 for you and your spouse, and for children under 21 years of age or 25 years of age if enrolled on a full-time basis in school.
ARE THERE ANY EXTRA BENEFITS?
Worldwide Travel Assistance—Provides medical, information, legal, and personal assistance when you travel 100 or more miles away from home. Specific services include emergency medical service, passport & visa information, legal referral, and emergency ticket replacement.
HOW DO I ENROLL?
As an IDRA member you qualify for simplified enrollment. Just call 1-877-405-4372 to receive your Enrollment Form.
Once your Enrollment Form is received, you will be sent a Certificate of Insurance. Take up to 30 days to review it.You must be completely satisfied with your coverage. If you are not, return your Certificate, within 30 days, and your payment will be refunded in full.
PLAN ACCESS
All government employees who lives in the Washington, DC metropolitan area (within a 60 mile radius) must be an IDRA member to participate in IDRA-sponsored insurance plans. All other government employees do not have to join IDRA to participate.
Those who join the Basic Membership or participants who live outside the Washington, DC area will have a $5.00 annual processing fee added to each billing for the respective rates shown below.
This fee will be waived for anyone who enrolls in the Membership Plus program. Click here for complete information on all IDRA membership options.
To join IDRA, click here
Although every attempt has been made to verify the accuracy of the information contained on this website, errors and omissions may occur. Once your enrollment application has been received, you will be notified if any rates or coverage specifications have been changed. All enrollment applications are subject to the rates and coverage specifications currently in use on the day they are received.
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