The Harrison Electrical Workers Trust Fund Active Employee Benefit Plan offers the following additional programs to active employees. Click on a tab for more detailed program information.

Accidental death and dismemberment insurance benefits are available to employees only. Accidental death and dismemberment insurance benefits are not available to retired employees, employees making payments under COBRA or dependents of active or retired employees.

If you have an accident while insured for AD&D insurance, and the accident results in a loss, Standard Insurance Company will pay benefits according to the terms of the group policy after satisfactory proof of loss is received.

2. Definition of Loss for AD&D Insurance

Loss means loss of life, hand, foot or sight, that:

a. Is caused solely and directly by an accident;

b. Occurs independently of all other causes; and

c. Occurs within 365 days after the accident.

With respect to a hand or foot, loss means actual and permanent severance from the body at or above the wrist or ankle joint. With respect to sight, loss means entire and irrevocable loss of sight.

3. Amount Payable

The amount payable is equal to a percentage of your AD&D insurance in effect on the date of the accident. Your AD&D insurance is $10,000. The amount payable is as follows:

No more than 100% of your AD&D insurance will be paid for all losses resulting from one accident.

4. Seat Belt Benefit

The amount of the seat belt benefit is $10,000.

We will pay a seat belt benefit if:

a. You die as the result of an automobile accident for which an AD&D insurance benefit is payable; and

b. You were wearing a seat belt at the time of the accident, as evidenced by a police accident report.

i. Seat belt means a properly installed seat belt, lap and should restraint, or other restraint approved by the National Highway Traffic Safety Administration.

ii. Automobile means motor vehicle licensed for use on public highways.

5. AD&D Insurance Exclusions

No AD&D insurance benefit is payable if the Loss is caused or contributed to by any of the following paragraphs:

a. War or act of war, declared or undeclared war, whether civil or international, and any substantial armed conflict between organized forces of a military nature.

b. Suicide or other intentionally self-inflicted injury, while sane or insane.

c. Committing or attempting to commit assault or felony, or actively participating in a violent disorder or riot. Actively participating does not include being at a scene of a violent disorder or riot while performing your official duties.

d. The voluntary use or consumption of any poison, chemical compound or drug, unless used or consumed according to the directions of a physician.

e. Sickness or pregnancy existing at the time of the accident.

f. Heart attack or stroke.

g. Medical or surgical treatment for any of the above.

6. When AD&D Insurance Becomes Effective

Your AD&D insurance becomes effective on the date you qualify for group health and welfare benefits.

7. When AD&D Insurance Ends

Your AD&D insurance automatically ends on the earliest of:

a. The date the last period ends for which a required premium is made on your behalf to Standard Insurance Company by the Harrison Electrical Workers Trust Fund;

b. The date the group policy terminates; or

c. The date you cease to be eligible for the Active Employee Plan as a result of employer or a combination of employer and employee contributions for the health and welfare benefits. A self-payment under COBRA to continue health and welfare benefits will not serve to extend your AD&D insurance benefit.