- Pays up to a $300,000 benefits for aviation-related accidents
- Adds up to $15,000 for total and permanent disability
- Provides up to $30,000 for disfigurement due to burns covering at least 5% of your body
- Includes up to $10,000 transportation benefit
- Pays up to $24,000 due to being in a coma
Download detailed benefits summary for the AD&D Protection Plan.
Safeguards your family
- Pays in addition to any other insurance
- Cash for your family to spend as needed—and get back on their feet
The AOPA Accidental Death and Dismemberment Protection Plan is offered to you with no physical exam or health questions. You and your family are guaranteed coverage regardless of your health as long as you are an AOPA Member under the age of 75.
24-hour coverage with benefits up to $300,000 – You’re guaranteed $300,000 of benefits as an AOPA Member under age 70, and $50,000 of benefits as an AOPA Member between the ages of 70 and 75, with no physical exam or health questions.
Adds up to $15,000 disability benefits – If you become totally and permanently disabled within 180 days of an accident, you collect up to $15,000 (or 5% of your full benefit amount). You must submit proof of your disability and your disability continues to be total and permanent, as defined in the certificate.
Pays up to $10,000 EXTRA for transportation – If there is a fatal accident more than 200 miles from your home, an additional transportation benefit of up to $10,000 (5% of your benefit amount) will be paid.
Benefits for Specific Loss Coverage
Life; both hands or both feet; sight of both eyes; one hand and one foot; one hand or one foot and sight of one eye; speech and hearing in both ears; quadriplegia 100% of Principle Sum
Paraplegia and Paralysis of three limbs: 75% of Principle Sum
One hand, one foot or sight of one eye; speech; hemiplegic 50% of Principle Sum
Loss of thumb and index finger on one hand; paralysis of one limb, and loss of hearing in both ears: 25% of Principle Sum
If you suffer multiple losses due to the same accident, only one benefit amount, whichever is greater, is payable. Loss is defined as the complete severance of the hand or foot at or above the wrist or ankle joint, total and irrecoverable loss of entire sight, speech or hearing, and severance of two or more entire digits of both the thumb and index finger. To receive benefits, loss must be independent of sickness and other causes.
Burn Benefit – If, due to a covered accident, you suffer disfigurement due to burns covering at least 5% of your body, benefits are paid of 10% of your benefit amount (up to $30,000).
Coma Benefit – If, due to a covered accident, you are in a coma, you will collect a coma benefit until you are no longer in a coma or the maximum benefits have been paid. You collect 2% of your benefit amount per month up to 12 months or a maximum of $24,000.
Accidental Death and Dismemberment Exclusions
ReliaStar Life does not pay benefits for loss directly or indirectly caused by any of the following:
- An accident occurring before the Effective Date of the Group Policy.
- Suicide or intentionally self-inflicted injury, while sane or insane.
- Physical or mental illness.
- Bacterial infection or bacterial poisoning. Exception: Infection from a cut or wound caused by an accident.
- Any armed conflict, whether declared as war or not, involving any country or government.
- An accident which occurs while in the military service for any country or government.
- An accident which occurs when you commit or attempt to commit a felony.
- Your intoxication. Intoxication means your blood alcohol content meets or exceeds the legal presumption of intoxication under the laws of the state where the accident occurred.
- An accident which occurs while you are a pilot or crew member on an aircraft operating outside of the United States, Canada, Mexico, Central America or the Islands of the Caribbean. Exceptions:
- Flying enroute between the United States, Canada, Mexico, Central America or the Islands of the Caribbean.
- Acting as a pilot or crew member on a regularly scheduled commercial flight owned and maintained by a commercial airline.
- Travel or flight in or on, or descent from or with:
- a military aircraft (except a military aircraft with a civil air-worthiness certificate in the normal or utility category in civil use pursuant to the category rating at the time of the accident), an amateur built rotorcraft, an amateur built fixed wing aircraft which is subject to area restrictions imposed by a governmental authority, rocket-powered aircraft, an ultralight, a hang glider, a kite, or a parachute (except a forced jump) or an aircraft not certificated by a governmental authority; or an aircraft not meeting governmental airworthiness requirements; or
- an aircraft being used for or in connection with seeding, dusting, spraying, carrying sling loads, fire fighting, flight in or rehearsal/practice for an airshow involving aerobatic or formation flight, or hunting, herding or spotting of animals, birds, or fish, or is being test-flown for the purpose of certification or determination of airworthiness; or
- an aircraft engaged in closed course racing or in practicing or qualifying for the same; or
- operating an aircraft while not in compliance with medical requirements established by governmental authority.