Accidental Death & Dismemberment Benefit

About this Benefit...

Accidents are the leading cause of death for people under age 40. Overall, accidents rank fifth as the cause of death for people of any age. In addition, many people are seriously injured by accidents and sustain loss of limb or eyesight. For this reason, The Brotherhood's Relief and Compensation Fund has purchased an insurance plan which provides Accidental Death and Dismemberment protection (except as limited by the Exclusions) to all active, dues paying members while on active railroad duty only.

This accidental death and dismemberment benefit was first introduced on December 1, 1999. Benefits will be paid for covered losses, described in the Plan Summary, sustained within 365 days of the date of an accident.
 

• AD&D Beneficiary Form

AD&D Plan Summary

ACCIDENTAL DEATH AND DISMEMBERMENT INSURANCE
 
The Brotherhood's Relief and Compensation Fund has purchased an insurance plan which provides Accidental Death and Dismemberment (AD&D) protection to all dues paying members for accidents that occur while on duty (except as limited by the Exclusions).  The amount of insurance is $50,000 per member and takes effect on December 1, 1999 or on the date you become a dues paying member, whichever is later.
 
Benefits will be paid for covered losses, described below, sustained within 365 days of the date of an accident.

If the same accident causes more than one of these losses, the Plan will pay only one amount, the largest amount that applies.
 
"Member" means hand, foot, or eye.  "Loss" with regard to:   hand or foot means complete severance through or above the wrist or ankle joints; eye means total and irrecoverable loss of sight; thumb & index finger means severance of each through or above the metacarpophalangeal joint; speech means total and irrecoverable loss of the function; and hearing means total and irrecoverable loss of the hearing in both ears.
 
Exposure & Disappearance
Benefits will also be paid for covered losses resulting from exposure to the elements occurring from an accident and for covered loss of life if you disappear as a result of a covered accident and your body is not found within 365 days of the date of the accident.
 
Beneficiary
The beneficiary in the event of your covered loss of life is the person(s) designated in writing and held on file with The Brotherhood's Relief and Compensation Fund.  If there is no named beneficiary, benefits will be paid to the first of the following classes of beneficiary:  (a) your legal spouse; (b) your child(ren) in equal shares; (c) your parents in equal shares; (d) your brothers/sisters in equal shares; or (e) your estate.   All benefits for covered losses other than loss of life will be paid to you.
 
Exclusions
We will not pay for any Loss due to: 

1. war or any act of war, declared or undeclared;

2. suicide or attempted suicide (in Missouri, while sane);

3. self-inflicted injuries;

4. sickness or disease, or diagnostic tests or treatment, except infection which occurs directly from an accidental cut or wound;

5. myocardial infarction (heart attack);

6. service in the armed forces of any country;

7. committing or attempting to commit a felony.

This is a summary of the coverage provided.  The full terms and conditions of the actual policy will govern.  The Reliance Standard policy effective date is December 1, 2007.