Accidental Death/Dismemberment Benefits

If you die or are severely injured through an unforeseen fatal or serious accident, the Plan provides you or your beneficiary with a lump sum benefit.

Accidental Death & Dismemberment coverage offers financial protection in case of death or serious injury caused by an accident that damages your income-earning ability.

These benefits are provided through your Plan’s group insurance policy with The Hartford Financial Services Group, Inc. Your employer pays 100% of the premiums for your coverage.

To learn more about your accidental death & dismemberment coverage, visit www.thehartford.com/employee-benefits. You can register and log into your account to see details about your benefits and view or download a certificate of insurance. You may also request a copy from the Fund Office.

Eligibility

You are eligible for accidental death & dismemberment benefits if, at the time of your death, you have active eligibility under the Landscape, Irrigation & Lawn Sprinkler Industry Health and Welfare Plan .

What You Must Do

The Fund Office will automatically enroll you for accidental death & dismemberment coverage when you become eligible for Life Insurance.  However, you must designate your beneficiary as soon as possible when coverage begins (as explained below).

1. Make sure you have a properly completed Life Insurance Beneficiary Designation Form on file at the Fund Office. If you die while covered, the beneficiaries you name receive payment from the plan. Designations or changes are not accepted by the Fund Office on or after the date of death. 
2. Make sure you and your survivors contact the Fund Office within 60 days of your accidental death or dismemberment. 
3. Following your accidental death, your beneficiaries must submit a certified copy of the death certificate and request the death benefit in writing within 365 days after your date of death. Death benefits are not paid unless all supporting documents are received by the Fund Office within the 365-day timeframe.
4. To receive benefits related to an accident, your injuries or death must be proven, direct results of an accident. The Fund Office should be notified within 90 days of the death or dismemberment.

Accidental death or dismemberment benefits are not paid unless all supporting documents are received by the Fund Office within the 90-day timeframe.

Questions?

For more information, refer to the Summary Plan Description or contact the Fund Office. Also check the Health & Welfare Fund FAQs.