What is AD&D Insurance?
AD&D can pay a cash benefit in the event of a covered accidental death or injury.
Benefits of Coverage
- Guaranteed acceptance – no doctor visits, health questions, or medical tests
- Coverage available at a cost-effective, monthly rate
- You’re protected at home, at work, on vacation, or during travel
Get $1,000 in No-Cost Coverage, paid for you by Hughes Federal Credit Union.
You are also pre-authorized to purchase up to $300,000 of AD&D coverage, underwritten by Minnesota Life Insurance Company. In a few minutes, you can activate important coverage for your loved ones.
You cannot be turned down for this coverage due to age or health. All coverage reduces by 50% at age 70 or older, regardless of age at enrollment. Don’t delay. Remember, you cannot be turned down.
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Andrea L. Heger, Licensed Insurance Agent #2277322
Frequently Asked Questions
I have health insurance through my employer. Why do I need Recuperative Care as well?
This insurance supplements your other coverage plans. Your health insurance pays for medical procedures while Recuperative Care pays you a flat benefit amount which can be used for anything you choose.
Are there any restrictions on how I can spend my cash benefits?
The benefit is paid directly to you and you can use it however you like. When you are home from the hospital, you can use it to pay monthly bills, recovery expenses, or anything else you want.
If I go to the hospital for elective surgery, can I file a claim?
No. This insurance pays you cash while you get well only for each day that your doctor has kept you in the hospital for covered accidents and sicknesses.
How much coverage can I get? Can I insure my family, too?
You can be covered for $400 for each day of hospitalization; or $200 for sickness. You may also choose family coverage, which protects your spouse and dependent children at a reduced benefit rate. See your certificate of insurance for specific amounts.
Do I have to take a medical exam or answer a lot of health questions?
No. There are no medical questions or physical exams required to qualify for this insurance.
Can I be turned down for this insurance?
No. Your coverage is guaranteed provided you are 18 years of age or older.
Is there an age cut off?
There is no termination age for you, your spouse or domestic partner; however, benefits reduce by 50% at the age of 65 and by an additional 25% at age 75, regardless of age at enrollment.
When does my coverage begin?
The policy’s effective date is shown on your Certificate of Insurance.
How long does it take before I receive my Certificate of Insurance?
It takes about 30 days from the time the enrollment form is received to process and issue the certificate of Insurance.
What if I decide to cancel?
If you choose not to keep your insurance, simply call toll free 1-877-629-6037, and your insurance will be canceled.
How will I be billed?
Share/Share Draft or Credit Card. Premiums will be automatically deducted from your account quarterly/monthly and will be reflected on your statement.
How do I file a claim?
To file a claim, call your Plan Administrator at 1-877-629-6037 weekdays 8:00 a.m. to 9:00 p.m. EST or visit https://franklin-madison.com/contact-us/
How long will it take to process my claim?
The claims are processed within five days of the Plan Administrator receiving the appropriate information and documentation in their offices in Franklin, TN. Once processed, the claim is then forwarded to the underwriter for determination of benefits.
How will my members identify the insurance coverage charge on their statements?
Franklin Madison Group is the third party administrator for the insurance carrier providing premium billing and other services on behalf of the carrier. Franklin Madison facilitates the premium debit or charge and may be indicated on the bill. Please refer all insurance questions to Franklin Madison at 877-629-6037. For faster service please provide the coverage ID located within the billing descriptor (9 digit number starting with 6 or 7) Or visit https://franklin-madison.com/contact-us/
May my credit union representative call customer service on my behalf?
To maintain the privacy of the insured, information can only be provided if the primary insured is present to give consent.
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Have Insurance Coverage with Franklin Madison?
View your coverage, make payments, initiate the claims process and more!
- AD&D
- Hospital Accident Protection
- Recuperative Care Insurance
Visit the secure self-service portal anytime!
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