This benefit provides up to $10,000, less a $100 deductible per Injury, for expenses resulting from an Injury due to an Accident, to the extent that the expenses are not covered under certain existing insurance that a member may have. Whether at work or at play, members can use this benefit for expenses that may include: emergency ambulance service, hospital, doctors' treatment, x-ray and lab, drugs, nursing care, physical therapy, and more. 

Accidental Death & Dismemberment

Pays the  beneficiary up to $10,000 for the member's death or loss of certain body parts, or loss of sight, speech or hearing, in a covered accident.

 

This insurance benefit is underwritten by Guarantee Trust Life Insurance company, an IL domiciled life insurance company with main offices located at 1275 Milwaukee Ave, Glenview, IL 60025.  Licensed in all states except NY.  Not available in AK, MA, MD, ME, MN, MT, NH, NY, SD, VT and UT.

Guarantee Trust Life Insurance Company (GTL) provides the Accident Medical Coverage and the Accidental Death and Dismemberment coverage.  GTL does not provide nor is it affiliated with any of the other programs provided as a part of the membership in USA+.  The association membership fee you will be charged includes insurance premiums of $18.10 Individual/$45.25 Family which are paid to GTL. 

The Policy does not provide benefits for:

• Treatment, services or supplies which:
• Are not Medically Necessary;
• Are not prescribed by a Doctor as necessary to treat an Injury;
• Are determined to be Experimental/Investigational in nature;
• Are received without charge or legal obligation to pay;
• Are received from persons employed or retained by any Family Member, unless otherwise specified; or
• Are not specifically listed as Covered Charges in the Policy.
• Injury by acts of war, whether declared or not.
• Injury received while traveling or flying by air, except as a fare-paying passenger and not as a pilot or crew member, on a regularly scheduled commercial airline.
• Injury covered by Worker’s Compensation, Employer Liability law or Occupational Disease
Act or Law.
• Dental treatment, except as specifically stated.
• Injury sustained while committing or attempting to commit a felony.
• Prescription Drugs except as specifically stated.
• Suicide or attempted suicide while sane or insane.
• Intentionally self-inflicted Injury.
• Loss resulting from being legally intoxicated or under the influence of alcohol as defined by the laws of the state or jurisdiction in which the Injury occurs.
• Loss resulting from being under the influence of any drugs or narcotic unless administered on the advice of a Doctor.
• Injury sustained while participating in or practicing for any professional, intercollegiate or club sports activity, except as specifically provided.
• Injury which occurs while a Covered Person is on active duty service in any armed forces. Reserve or National Guard active duty for training is not excluded unless it extends beyond
31 days.
• Injury sustained flying in an ultra light, hang gliding, parachuting or bungee-cord jumping, by flight in a space craft or any craft designed for navigation above or beyond the earth’s atmosphere.
• Injury sustained while driving or riding on vehicles for off-road use including but not limited to all-terrain vehicles (ATV’s).
• Injury sustained where a Covered Person is the operator and does not possess a current and valid motor vehicle operator’s license, except in a Driver’s Education Program.
• Treatment in any Veteran’s Administration or federal Hospital, except if there is a legal obligation to pay;
• Cosmetic surgery, except for reconstructive surgery on an injured part of the body.
• Covered Charges incurred outside of the United States or its possessions
• Competing in motor sports races or competitions;
• Competing in water sports races or competitions;
• Testing cars/trucks on any racetrack or speedway;
• Handling, storing or transporting explosives;
• Scaling up cliffs or mountain walls;
• Spelunking (exploring caves);
• Handling or working with dangerous animals.
• Injury sustained while water skiing or surfboarding;
• Injury sustained while snow skiing or snowboarding;
• Injury sustained while roller blading or skateboarding;
• Injury sustained while participating in a rodeo.
• Repetitive motion injuries, strains, hernia, tendonitis, bursitis and heat exhaustion not related to a specific Injury.
 

The following services are available if the Participant suffers an injury or a sudden and unexpected illness, when you are 100 or more miles away from home.

• Air Medical Repatriation.  If a member is admitted to (or being discharged from) a hospital anywhere in the world that is more than 150 miles from the Member's residence in the United States or Canada and it is determined by the Member's physician and AirMed's medical director that the Member's medical condition is stable enough to allow air transport but that medical escort is required, AirMed will provide flight, ground transportation, & patient care, a full bedside to bedside experience for any covered member.
• 24/7 Worldwide Medical Services Hotline.  This program connects Members 24 hours a day, seven days a week, to the worldwide resources of AirMed.  Members have access to AirMed's Customer Care Center (CCC) who will provide information about how and where to obtain medical care while traveling, including medical monitoring and coordination with local health care professionals.
• Global Security & Risk Assistance.  Members have 24/7 access to the AirMed Communications Center and the resources of our worldwide security firms for up-to-the-minute global threat assessments, foreign travel advisories, pre-trip threat evaluations, and political and security evacuation arrangements to a safe haven location.
• Emergency Call Referrals. 

You and your doctor have access to the medical guidance of over 50,000 of the leading medical specialists in over 400 subspecialties of medicine. This benefit provides you with the following services:

InterConsultation™- a high level second opinion, to confirm diagnosis and treatment.

FindBestDoc™- assistance in locating doctors in your area that have been identified as ‘best’ by their peers to treat specific medical conditions.

FindBestCare® - arranging access to hospitals and treatment.

BEST DOCTORS, INFORMATION WHEN IT MATTERS MOST, the Best Doctors logo, FINDBESTDOC, INTERCONSULTATION, and FINDBESTCARE are trademarks or registered trademarks of Best Doctors, Inc. in the U.S. and other countries and are used under license.

 

1. Where available by law. 10% savings is not available in New York or Louisiana and applies to goods and services as listed on the general price list. The 10% discount does not apply to cash advance items no already discounted Dignity Memorial plans. Cemetery benefit is not available in all states.
2. Not available to Maryland residents. The Funeral Protection Certificate can be obtained by contacting USA+.
3. Available at most local Dignity Memorial providers.
4. Must be over 75 miles from the location where prearrangements were made.

In the event that an eligible member suffers from a “certified injury” that requires emergency medical transportation by helicopter in accordance with EMS protocols, the program will reimburse the participant up to a maximum of $7,000.00 per occurrence. Reimbursement includes expenses incurred from the cost of “Medically Necessary” or “Life Threatening” helicopter transportation from the scene of an accident to the nearest medical facility capable of treating the injuries or from one medical facility to another medical facility. Claims for “Medically Necessary” transports from one medical facility to another medical facility are subject to review by Lifeguard’s Medical Officer.

Provisions include:
• One benefit will be paid per occurrence.
• Benefit in excess of all other valid collectable insurance.
• Coverage is worldwide.
• Transportation by helicopter only.

This benefit is provided to USA+ members by Lifeguard Emergency Travel, Inc. Certain terms and conditions apply and benefits are subject to the Exclusions and Limitations. See your membership Handbook for the details.

Not available to Iowa residents.

CLC ID Protect Plus offers a comprehensive identity protection program with several layers of defense. ID Monitoring is the first layer; however, monitoring will never capture all fraudulent transactions. CLC ID protect backs up monitoring with additional layers of ID Protection and ID Recovery. We add up to $10,000 of insurance coverage to protect against financial losses, a US based team of professional Fraud Resolution Specialists™ to clear your records, tax fraud specialists to help clear issues with the IRS, financial specialists to help resolve financial hardships that can result from identity theft, and finally, we provide discounted legal services should the issue require the intervention of an attorney.
ID Monitoring*
CLC ID Protect Plus includes continuous 24/7 Social Security Number and Personal Information Monitoring with text and email alerts that notify you of possible misuse of your SSN and personal information and suspicious activity. ID Monitoring is a vital component in defending your most valuable asset, your identity.
*CLC ID Protect Plus does not monitor all transactions at all businesses. No service can stop all identity theft events.
ID Protection
CLC ID Protect Plus uses email and text alerts to notify you of suspicious activity involving your SSN and personal information. If your identity is stolen, identity theft insurance† coverage is available for fraud-related losses and expenses, such as lost wages or legal expenses.
† Identity Theft Insurance underwritten by insurance company subsidiaries or affiliates of American International Group, Inc. (AIG). The description herein is a summary and intended for informational purposes only and does not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for terms, conditions, and exclusions of coverage. Coverage may not be available in all jurisdictions.
ID Theft Recovery
CLC ID Protect Plus gives you unlimited access to a US based team of Fraud Resolution Specialists™ who work relentlessly on your behalf to restore your stolen identity and repair your damaged credit reputation should you ever fall victim to identity theft.
FRAUD RESOLUTION TEAM
You have unlimited access to our team of Fraud Resolution Specialists™. Each FRS™ is an experienced fraud representative and has been trained under the Fair Credit Reporting Act (FCRA). Each FRS is educated on and familiar with prohibited “collection” company activities under the Fair Debt Credit Protection Act (FDCPA).
Additional certifications include Certified Identity Theft Risk Management Specialist® and Certified Credit Report Reviewer.
EMERGENCY RESPONSE KIT
Receive a step-by-step guide when you fall victim to theft or a breach. This kit is available at any time through our website.