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HD Essential Protection 50-100-250-300

Start coverage as early as December, 13

About HD Essential Protection 50-100-250-300

The HD Essential Protection 50-100-250-300 membership is the perfect supplement to the HD Essential Protection membership plan with additional benefits for Accidental Death & Dismemberment, as well as identity theft resolution, legal and financial counseling resources.  The Essential Protection 50-100-250-300 memberships are only available as an add-on to Essential Protection membership levels 1-6. The add-on Accidental Death and Dismemberment is not available as a stand-alone plan.

Association Benefits

Consumer Discounts

CLC Financial Counseling

CLC Financial Counseling

Members and their families receive financial counseling services to provide education, guidance and counseling and assists members in determining the most appropriate way to handle your financial situation. Services include tax preparation, budgeting, debt counseling, wage garnishment resolution, pre-retirement analysis, home buying strategies, college funding and more.

CLC Legal Assistance

CLC Legal Assistance

Through the CLC Legal Assistance program, our members have access to free initial legal consultations and discounted services to address many common legal concerns. Members also receive simple will preparation and access to online legal resources at no additional cost.

Identity Fraud Resolution

ID Resolution

ID Resolution offers free assistance to members who have had their personal information fraudulently used by identity thieves. Experienced fraud resolution specialists can help resolve financial, criminal and medical identity theft.

Insured Benefits

Accidental Death & Dismemberment Insurance

Federal Insurance Company

Benefit DescriptionEssential
Protection
50
Essential
Protection
100
Essential
Protection
250
Essential
Protection
300
Add-On Accidental Death & Dismemberment Benefit (Principal Sum)
Pays a lump sum for accidental loss of life, limb, speech, sight or hearing. The Primary Member’s benefit is equal to 100% of the Principal Sum listed. The Spouse’s or Domestic Partner’s benefit is equal to 50% of the Member’s Principal Sum. Dependent Children’s benefit is equal to 10% of the Member’s Principal Sum. The Stand Alone AD&D policy includes benefits for Child Care Expense, Coma and Seat Belt & Occupant Protection Device, as well as an Extension of Insurance provision for Exposure and Disappearance.
Loss of: Life; Speech and Hearing; Speech and One Hand, One Foot or Sight of One Eye; Hearing and One Hand, One Foot or Sight of One Eye; Both Hands or Feet; Sight or a combination of any two of Hand, Foot or Sight of One Eye; Quadriplegia$50,000$100,000$250,000$300,000
Paraplegia$37,500$75,000$187,500$225,000
Loss of: Hand; Foot; Sight of One Eye; Speech; Hearing; Hemiplegia$25,000$50,000$125,000$150,000
Loss of: Thumb and Index Finger of the Same Hand; Uniplegia$12,500$25,000$62,500$75,000

Disclaimers

¹The Primary Member’s benefit is equal to 100% of the Principal Sum listed. The Spouse’s or Domestic Partner’s benefit is equal to 50% of the Member’s Principal Sum. Dependent Children’s benefit is equal to 10% of the Member’s Principal Sum.

²The Stand Alone AD&D policy includes benefits for Child Care Expense, Coma and Seat Belt & Occupant Protection Device, as well as an Extension of Insurance provision for Exposure and Disappearance.

Other Information

Monthly Rates

Essential Protection 50Essential Protection 100Essential Protection 250Essential Protection 300
Maximum Benefit Amounts$50,000$100,000$250,000$300,000
Member$19$25$34$39
Member + 1$25$30$45$54
Member + Family$29$35$54$62

THE ESSENTIAL PROTECTION 50-100-250-300 MEMBERSHIP IS ONLY AVAILABLE AS AN ADD-ON TO ESSENTIAL PROTECTION MEMBERSHIP LEVELS 1-6. THE ADD-ON ACCIDENTAL DEATH & DISMEMBERMENT IS NOT AVAILABLE AS A STAND-ALONE PLAN.

About the Carrier

Federal Insurance Company

Chubb is the world’s largest publicly traded property and casualty insurer. With operations in 54 countries, Chubb provides commercial and personal property and casualty insurance, personal accident and supplemental health insurance, reinsurance and life insurance to a diverse group of clients. Insurance products and services are provided by Chubb Insurance underwriting companies and not by the parent company itself.

Federal Insurance Company has a 2017 AM Best rating of A++ (Superior). This rating is an indication of the company’s financial strength and ability to meet obligations to its insureds.

Chubb Limited, the parent company of Chubb, is listed on the New York Stock Exchange (NYSE: CB) and is a component of the S&P 500 index.

Chubb maintains executive offices in Zurich, New York, London and other locations, and employs approximately 31,000 people worldwide.

Membership Eligibility

  • Between the ages of eighteen (18) and sixty-four (64)
  • Reside in an available state
  • Dependent children must be under the age of nineteen (19) or under the age of twenty-five (25) if enrolled as a
    full-time student at an Institution of Higher Learning
Insurance benefits are not available to residents of: AK, CO, CT, HI, ID, KS, LA, ME, MD, MA, MN, MO, MT, NH, NJ, NY, NC, OK, OR, SD, UT, VT, WA, WV.
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