No one plans to have a serious accident, so when one happens the financial consequences can be devastating. The MSBA Accidental Death & Dismemberment (AD&D) Plan gives you broad accident coverage, 24 hours a day, worldwide. You're covered at home, at work, on vacation, on the road, for practically every activity. See the exclusions section for more information.
Choose a minimum of $50,000 to a maximum of $500,000 in increments of $25,000. This is worldwide, 24-hour-a-day coverage that pays in addition to any other insurance you may have. All members under age 70 will automatically be accepted into this plan.
Your spouse/domestic partner and dependent children under age 25 are also guaranteed coverage. Your spouse/domestic partner benefits are 40% of the benefit amount you choose and dependent child(ren)'s benefits are 10% of your benefit. If no spouse/domestic partner coverage is elected, each dependent child's coverage is 15% of your benefit. If no child coverage is elected, your spouse's/domestic partners benefits are 50% of your coverage.
Take a look at the enrollment form and brochure under the "Forms" tab for information on additional benefits such as:
Below is the plan's rate chart:
|Member's Benefit Amount||Member Monthly Premium Contributions||Member & Family Monthly Premium Contributions|
Rates do not increase with age. Rates shown are guaranteed until 6/30/2022. For your convenience, you will be billed annually. If applicable, an additional $2.00 billing fee will be included on your billing notice payable to the administrator. To save the fee, select Electronic Funds Transfer (EFT) as a safe and secure payment options.
ReliaStar Life does not pay benefits for loss directly or indirectly caused by any of the following:
Consider Your Eligibility
Before you apply for coverage, you must be a member in good standing of MSBA. You must be a member for 30 days before initiating your insurance request. If you have any questions about membership, see the MSBA home page.
Questions? We're only a phone call away.
If you have questions about your eligibility, call a service representative toll-free at 1-800-501-5776 between 7:30 a.m. and 5 p.m. Central Time, Monday through Friday.
About This Plan Information
This is a summary of benefits only. A complete description of benefits, limitations, exclusions and termination of coverage will be provided in the certificate of coverage. All coverage is subject to the terms of the group policy. If there is any discrepancy between this document and the group policy documents, the policy documents will govern.
Accidental Death and Dismemberment insurance coverage is provided under the terms of a group life insurance policy, Group Policy 29063-7 issued and delivered in the state of Minnesota, and governed by its laws, to the Minnesota State Bar Association as the policyholder. The group life insurance policy is issued by ReliaStar Life Insurance Company, Minneapolis, Minnesota. The policy is administered on behalf of ReliaStar Life Insurance Company by Mercer Consumer, an insurance administrator licensed in the state of Minnesota. Policy Form LP08GP.
This is a paid endorsement. The MSBA receives a fee from the insurance broker and/or the insurer for its endorsement of this plan.
PO Box 10374
Des Moines, IA 50306-8812
M-F 7:30a-5p CT
Group AD&D Insurance
ReliaStar Life Insurance Company
20 Washington Avenue South
Minneapolis, MN 55401-1900