NGCU will be Closed for Juneteenth on Wednesday, June 19.
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AD&D Insurance

Summary of Insurance Provisions- Life Insurance Company of North America

As a member of NGCU age 18 or over you are eligible for Accidental Death and Dismemberment Insurance. Premiums for this Basic Coverage will be paid by NGCU. THERE IS NO COST TO YOU. (Coverage is subject to reductions due to age. Read your Certificate of Insurance carefully for this information.)

This summary explains in general terms the insurance described, but in no way changes or affects the insurance afforded under such Policy as actually issued. All coverages are subject to actual Policy conditions and exclusions. Each member participating in the plan will receive a Certificate of Insurance describing the exact coverage and benefits provided. The insurance is provided under Policy Form # LM-21143, LM-21141

Coverage Provider

When covered injury results in any of the following losses within one year from the date of the accident the, Company will provide, in one sum, the following amounts:

  • Loss of Life: $2,000
  • Loss of two member (hand, foot, or eye): $2,000
  • Loss of speech and hearing: $2,000
  • Loss of entire sight in both eyes: $2,000
  • Loss of entire sight in one eye: $1,000
  • Loss of one hand or foot: $1,000
  • Loss of speech or hearing: $1,000
  • Loss of thumb and index finger on the same hand: $500

The loss of hand or foot means complete severance through the wrist or ankle joint. For the thumb or index finger, it means complete severance through or above the metacarpophalangeal joints. The loss of sight of eye means irrecoverable loss of entire sight. The loss of speech means complete and irrecoverable loss thereof. For hearing it means complete and irrecoverable loss of hearing in both ears.

Who is Eligible

All members of NGCU age 18 or over when applying, are eligible for coverage. Every member of NGCU age 18 or over who completes and returns an enrollment form will be accepted.

Individual Terminations

As long as you remain a member of NGCU and the Master Policy remains in force, your coverage will be renewed. The Group Master Policy is renewable annually.

General Exclusions

The Master Policy does not cover any loss caused by or resulting from: suicide or self-destruction or any attempt threat; declared war or any act or war; committing or attempting a felony or illegal act; riding in an aircraft or device for aerial navigation except as a passenger for transportation only (not as a pilot or crew member) in an aircraft as airworthy by the appropriate authority of the county of its registry.