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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.
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.
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.
|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|
|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|
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.
|Essential Protection 50||Essential Protection 100||Essential Protection 250||Essential Protection 300|
|Maximum Benefit Amounts||$50,000||$100,000||$250,000||$300,000|
|Member + 1||$25||$30||$45||$54|
|Member + Family||$29||$35||$54||$62|
THIS PLAN IS ONLY AVAILABLE AS AN ADD-ON TO ESSENTIAL PROTECTION MEMBERSHIP LEVELS 1-6. THE ESSENTIAL PROTECTION 50-100-250-300 ADD-ON ACCIDENTAL DEATH & DISMEMBERMENT IS NOT AVAILABLE AS A STAND-ALONE PLAN.
About the Carrier
Federal Insurance Company
Federal Insurance Company, a Chubb company (“Chubb”), is one of the strongest carriers in the market: a specialty Accident & Health carrier with the experience, and financial strength to offer rich options, broad coverages and higher limits at competitive rates. Over the past 55 years, Chubb has offered accident and health solutions to a wide range of markets including large and small businesses, professional practices, schools and colleges, financial institutions, membership associations, civic, church and nonprofit organizations. Chubb Accident & Health has consistently demonstrated an exceptional ability for creative collaboration with policyholders, through their flexible and innovative approach to products and services.
Chubb receives consistently high ratings for financial strength from A.M. Best, Moody’s and Standard & Poor’s, the leading independent analysts of the insurance industry.
- 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