Help secure your family’s future
Provide 24-7 around-the-clock protection for you and your family in the event of an accidental bodily injury that results in death or the loss of hand, feet, eyesight, hearing and much more.
Eligibility Requirements
The Personal Accident Insurance is available to active and retired federal employees. You can enroll just yourself or you and your family. No health statement is required.
Active Federal Employee
- Resides in the U.S.
- Permanent full-time or part-time status
- On active pay and duty status
Retired Federal Employee
- Resides in the U.S.
Issued by The Prudential Insurance Company of America
Choose the amount and level of coverage that is right for you:
– $10,000 to $500,000
– Member only or Member and Family
Death Benefit Payable for Family Coverage:
- Member, Spouse and Children:
Member Death: 100% of Coverage Amount
Spouse Death: 50% of Member Coverage Amount
Child Death: 15% of Member Coverage Amount to maximum $50,000 per child - Member and Spouse:
Member Death: 100% of Coverage Amount
Spouse Death: 60% of Member Coverage Amount - Member and Children:
Member Death: 100% of Coverage Amount
Child Death: 20% of Member Coverage Amount to maximum $50,000 per child
Add Family Coverage:
Help protect your entire family including your spouse and unmarried children under age 26
Additional Benefits:
- Safe Driver – additional benefit, 10% to maximum $30,000, paid if you die due to an auto accident and you were wearing a seat belt and an airbag was deployed.
- Education – a benefit paid following your death for your dependent who is enrolled as a full-time student in an accredited post-secondary institution of higher learning beyond grade 12 within 365 days following your death, maximum $5,000 per year for 4 years.
- Child Care – if you die as a result of a covered accident, this benefit will provide for child care expenses of a covered dependent child, under age 13. The annual benefit is 5% of the coverage amount to maximum $5,000 per year for up to 4 years.
- See the other benefits described in the Certificate/Summary Plan Description provided at no additional cost.
Available Coverage Amounts
You can select from $10,000 to $500,000.
Add Family Coverage
Cover your spouse and unmarried children up to age 26.
Additional Benefits
Safe Driver, Education, Child Care, and other benefits included at no additional cost.
Permanent Coverage
You can continue this plan, even if you change agencies, retire, or leave your federal employment.
- Paper Enrollment and Change Coverage Forms
- Beneficiary Designation Form
- FAQs
- Summary Plan Description (under development)
- Limitations and Exclusions
- Termination Policy
- Payroll Allotment Form
- Direct Debit Application Form
- Authorized Representative Form (HIPAA)
This coverage is not health insurance coverage (often referred to as “Major Medical Coverage”).
Group Insurance coverages are issued by The Prudential Insurance Company of America, a Prudential Financial company, Newark, NJ. The Booklet-Certificate contains all details, including any policy exclusions, limitations, and restrictions, which may apply. Contract Series: 83500
This policy provides ACCIDENT insurance only. It does NOT provide basic hospital, basic medical, or major medical insurance as defined by the New York State Department of Financial Services.
IMPORTANT NOTICE – THIS POLICY DOES NOT PROVIDE COVERAGE FOR SICKNESS.
THIS IS AN EXCEPTED BENEFITS POLICY. IT PROVIDES COVERAGE ONLY FOR THE LIMITED BENEFITS OR SERVICES SPECIFIED IN THE POLICY.
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