- Elimination period: 7 days.
- Benefit period: Up to 52 weeks.
- Occupation: True own occupation
- Benefit amount: 65% of weekly salary to a maximum of $500. If unemployed at the time of accidental injury, the weekly benefit amount is $100.
- Coverage available for Member AND Working Spouse/Domestic Partner
- TTD benefit is not available to residents of California, Connecticut, Florida, Idaho, Indiana, Maryland, Minnesota, New Jersey, New York, South Dakota, or Vermont.
In the event of a serious injury, paying the medical bills may be the least of your worries. If you can't work, how will you pay the rest of your bills? You still need to put food on the table, pay rent or mortgage, auto loans and all the rest. Worse yet, what will you do if both you and your spouse are disabled and unable to work? Who is going to pay the bills?
The answer is simple. Include the optional AccidentSHIELD Accidental TDD benefit in your WBA membership.
This benefit pays the weekly benefit amount elected, after the elimination period of seven days, if an accidental bodily injury causes an insured person to suffer Temporary Total Disability. Temporary Total Disability means that an accidental bodily injury solely and directly: a) prevents an insured person from performing the substantial and material duties of such insured person's regular occupation (or with respect to an insured person who is unemployed, prevents such insured person from engaging in the normal and customary activities of a person of like age and sex in good health); b) causes a condition which is medically determined, by a physician, to be continuous; and c) requires the continuous care of a physician. The weekly benefit amount for Temporary Total Disability will be paid until the earliest of the date on which: a) the insured person dies; b) the insured person fails to provide satisfactory evidence of a continuing Temporary Total Disability; c) the insured person no longer has a Temporary Total Disability; or d) the maximum benefit period of 52 weeks has ended.
Periods of Temporary Total Disability separated by less than fourteen (14) consecutive days of return to work will be considered one period of Temporary Total Disability, unless due to separate and unrelated causes. No additional elimination period will be required. However, the maximum benefit period of 52 weeks will be reduced by the number of weeks for which benefits have already been paid.
Limitations on Temporary Total Disability: No Weekly Benefit Amount for Temporary Total Disability shall be paid for any period of time during which the insured person is not under the continuous care of a Physician.You may increase your AD&D benefit which allows you to add a substantial level of coverage for you and your family. Options available are as follows:
| Member's Benefit Amount | Family's Benefit Amount |
| $100,000 | If you have dependent children your spouse or domestic partner's benefit amount is $50,000. If you have no dependent children your spouse or domestic partner's benefit amount is $60,000. If you have a spouse or domestic partner each of your dependent children's benefit amount is $15,000. If you have no spouse or domestic partner each of your dependent children's benefit amount is $20,000. |
| $250,000 | If you have dependent children your spouse or domestic partner's benefit amount is $125,000. If you have no dependent children your spouse or domestic partner's benefit amount is $150,000. If you have a spouse or domestic partner each of your dependent children's benefit amount is $37,500. If you have no spouse or domestic partner each of your dependent children's benefit amount is $50,000. |
100% of the Benefit Amount is payable for Accidental: Loss of Life; Loss of Speech and Loss of Hearing; Loss of Speech and one of: Loss of Hand, Foot or Sight of One Eye; Loss of Hearing and one of: Loss of Hand, Foot or Sight of One Eye; Loss of both Hands, both Feet, loss of Sight or any combination thereof; 50% of the Benefit Amount is payable for Accidental: Loss of Hand, Foot or Sight of One Eye (any one of each); Loss of Speech or Loss of Hearing; 25% of the Benefit Amount is payable for Accidental: Loss of Thumb and Index Finger of the same hand. If an insured person suffers multiple covered losses as the result of one accident, then this benefit will only pay the single largest benefit amount applicable to all such covered losses.
The benefit amount payable reduces to 65% at age 70, to 45% at age 75, to 30% at age 80 and to 15% at age 85.
Insurance is underwritten by Federal Insurance Company, a member insurer of the Chubb Group of Insurance Companies. The coverage described in this literature is not available to residents of Montana, New Hampshire, Oklahoma, and Washington. This literature is descriptive only. Actual coverage is subject to the language of the policies as issued. Exclusions & Limitations Apply. Chubb, Box 1615, Warren, N.J. 07061-1615.
Please explore our site. Feel free to call us with questions about the plans. We want you to learn as much as you can about these services. Once you have determined that WBA is the plan for you, go ahead and apply online.
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