American Nuclear Society
Group Accidental Death and Dismemberment Insurance FAQs
 

By whom is this plan underwritten?

When is the coverage effective?

What if I have second thoughts after I apply?

Who is eligible for this insurance?

Will I meet with a salesman?

Are there any exclusions?

When does the coverage end?

By whom is this plan underwritten?
Underwritten by New York Life Insurance Company, under Group Policy No. G-29319-0, on Policy Form GMR-FACE/G-29319-0.

About New York Life Insurance Company.

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When is the coverage effective?
You and your eligible dependents will become effective on the date specified by New York Life Insurance Company provided the initial contribution has been paid and you and your approved dependents are actively performing the normal activities of a person in good health of like age [For NC residents: a person of like age] on that date. Dependent insurance will not take effect unless your insurance is in effect on a premium paying basis, and any person who is not performing his/her normal activities as required will not become insured until the date he/she is performing such activities, provided such date is within three months of the date insurance would have been effective and the person is still eligible. (Payment of a premium contribution for insurance does not mean there is any coverage in force before the effective date as specified by New York Life Insurance Company.)
What if I have second thoughts after I apply?
When you become insured, you will be sent a Certificate of Insurance summarizing your benefits under the Plan. If you are not completely satisfied with the terms of your Certificate of Insurance, you may return it, without claim, within 30 days. Your coverage will be invalidated and you will be sent a full refund--no questions asked!
Who is eligible for this insurance?
As a member of ANS under age 70, you are eligible to apply for coverage for yourself, your lawful spouse under age 70, and unmarried dependent children under age 19 (26 if a full-time student). To become insured, an application must be submitted and the required premium contribution must be paid.

This coverage is available to residents of the United States (except FL, NC, OR, SD, VT, WA and territories) and Puerto Rico.
Will I meet with a salesman?
Issuance of this certificate is handled by mail. You can review the materials in the privacy of your home and purchase your insurance directly through the mail without meeting with a salesman. You can, of course, talk to a licensed representative if you'd like. Please click the Contacts section for Program Administrator's toll-free number.
Are there any exclusions?
Yes. Please refer to Plan Details under the heading Exclusions and Limitations for a listing. Click the "Forms" tab above.
When does the coverage end?
Insurance will terminate on the occurrence of the earliest of these conditions: if premium contributions due are not paid; if the Group Policy is terminated or modified by the Policyholder or New York Life Insurance Company to end insurance for the group of insureds to which the insured belongs; for any insured person, if the Principal Sum for that insured has been paid; for dependent spouse and/or child coverage, if member coverage ends, except that such dependent coverage may be continued if the memberís Principal Sum has been paid; for a dependent spouse, when he/she is no longer a lawful married spouse; for a dependent child, upon reaching age 19 (26 if a full-time student). A memberís surviving spouse and children may continue coverage if it was in force at the time of the memberís death, as described in the Certificate of Insurance.
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