Your DGC Benefits Plan provides you and your family with valuable, affordable mental and physical health coverage and financial protection if you experience an illness, injury or disability. In this section, we explain how the plan works and what’s covered under each level.
For most of us, staying out of harm’s way is a top priority. But, despite our best efforts, accidents can happen. And when they do, it’s good to know that you have some extra protection.
The DGC Benefits Plan’s accident insurance pays a benefit if you’re injured or die because of an accident either on or off the job. Payments are tax-free to your beneficiary and are paid in addition to your life insurance.
Accident insurance coverage is based on your coverage level and age limits.
No evidence of insurability is required for coverage under the DGC Benefits Plan. In other words, you will not be required to provide proof of good health, complete a medical questionnaire or undergo any medical exams.
The insurer will pay the benefit shown below if you suffer an injury which results in any one of the following specific losses within one year from the date of accident. Only one benefit (the largest) will be paid for a loss with respect to all injuries resulting from one accident.
FOR LOSS OF | % OF COVERAGE |
|---|---|
Thumb and index finger of same hand Hearing in one ear Use of thumb and index finger of same hand All toes of same foot | 50% |
One hand or one foot Use of one hand or one foot Entire sight of one eye Four fingers of same hand | 75% |
One arm or one leg Use of one arm or one leg | 80% |
Life Entire sight of both eyes One hand and one foot One hand and entire sight of one eye One foot and entire sight of one eye Speech and hearing in both ears Brain death Coma | 100% |
Both arms, both hands, both legs or both feet Use of both arms, both hands, both legs or both feet Quadriplegia Paraplegia Hemiplegia | 200% |
In addition to cash payouts, the DGC Benefits Plan’s accident insurance may also help to cover some costs, for the following items. Please contact AGA Benefit Solutions for details on coverage.
The DGC Benefits Plan does not cover loss caused by or resulting from any one or more of the following scenarios, including (but not limited to):
With respect to air travel, this policy includes injuries while riding as a passenger in or on, boarding or alighting from any aircraft not owned or leased by the insured or the policyholder, or a member of the insured’s household. Air travel is excluded in the following circumstances:
If you have Levels I, II, III, Life Member or Enhanced Life Member coverage, your coverage will be reduced automatically to $20,000 when you turn age 80. If you have Basic Coverage, your coverage will remain at $10,000 when you turn age 80.
Coverage for you ends when you are no longer a member in Active Good Standing.
If you’re a Life Member, your coverage will continue for as long as you are a DGC member.
