Insurance Program
 

Accidental Death & Dismemberment Insurance

Dues-paying members and life members of the NGAUS and the Enlisted Association of the National Guard of the United States, or EANGUS, have an accidental death and dismemberment (AD&D) benefit at no extra cost to the member.

NGAUS and EANGUS members under the age of 80 are automatically enrolled for $1,000 in accidental death and dismemberment coverage. The NGAUS Insurance Trust trustees voted during their October 1998 meeting to reestablish the benefit.

This $1,000 benefit, will automatically cover all members under age 80 whose national dues have been received or accounted for by their respective national association headquarters. There are no other enrollment requirements for the member to be covered.

For the claim to be paid, the NGAUS or EANGUS headquarters must verify that the dues of "deceased/claimant" are current. Once the appropriate national headquarters is notified of a pending claim, they will verify membership and document it appropriately on the claim form. The claim form will then be forwarded to the claimant for completion. The completed form and any other required documents should then be returned to the NGAUSIT address on the form for processing by the insurance company.

The AD&D benefit is viewed as a significant addition to the membership package for the two associations. The membership at large can be of great service by notifying the NGAUS and EANGUS headquarters whenever there is a death of a member. This will assist us in making sure that a benefit due to a Guard member's beneficiary is not overlooked.

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