Eligibility

Full-Time, Part-Time, or Retired Federal Employees are eligible for Wright’s Accident Insurance in amounts from $50,000 to $500,000 in increments of $25,000. Eligible Applicants must be under age 70. Benefits reduce to 65% at age 70, to 45% at age 75, and terminate at age 80.

Dependent(s) Coverage is available in the family types listed in the table below. If family coverage is elected, the level of benefit payable at time of a dependent loss is based on the make-up of the family at time of loss:

Family Type	Spouse	Children
A	Insured at 50% of Member amount	No eligible children
B	Insured at 40% of Member amount	Insured at 10% of Member amount
C	No eligible spouse	Insured at 15% of Member amount

Benefit Details

Below is a Table of Benefits available under the Wright USA Accidental Death & Dismemberment Insurance (AD&D) policy. Underwritten by ReliaStar Life Insurance Company (policy form HP010GP).

Benefit Provision	Benefit Level Payable
Maximum number of days after date of accident that loss must occur	365
Loss of life	Full Amount
Loss of both hands, both feet or sight of both eyes	Full Amount
Loss of one hand and one foot	Full Amount
Loss of speech and hearing in both ears	Full Amount
Loss of one hand or one foot and sight of one eye	Full Amount
Loss of one hand or one foot or sight of one eye	50% of Full Amount
Loss of speech	50% of Full Amount
Loss of hearing in both ears	50% of Full Amount
Loss of thumb and index finger of same hand	25% of Full Amount
Paralysis of one limb	25% of Full Amount
Paralysis of three limbs	75% of Full Amount
Quadriplegia	Full Amount
Paraplegia	75% of Full Amount
Hemiplegia	50% of Full Amount
Exposure and Disappearance	Yes
Safe Driver	Yes; pays additional 10% to a max of $25,000 if wearing seatbelt if killed in accident. Pays an additional 15% to a max of $40,000 if in auto equipped with factory-installed airbag.
Coma Benefit	Yes; pays an additional 2% per month for up to 12 months to a max of $24,000.
Education Benefit	Yes; Child education paid at 5% for up to 4 years to a max of $5,000 per year.
Spouse Training Benefit	Yes; Spouse receives 5% to a max of $5,000, incurred within 30 months of member death.
Transportation Benefit	Yes; pays an additional 2% to a max of $2,500
Child Care Benefit	Yes; pays an additional 3% for up to 6 years to a max of $2,500 per year
Elder Care Benefit	Yes; pays an additional 5% to a max of $5,000
Common Carrier	Yes; pays an additional 50% to a max of $50,000
Burn Disfigurement	Yes; pays 10% to a max of $30,000 if burns cover at least 5% of body.
Permanent Total Disability (PTD) Benefit	Full Amount
Common Disaster Benefit (applicable with Dependent Spouse eligible under Family plan, if elected)	Yes; pays additional 100% of member‘s AD&D amount to a max of $50,000 if member and insured spouse die in same accident or accidents within same 24-hour period.
Travel Assistance & Funeral Planning & Concierge services	These services will be provided at no cost to the insured. Click on the applicable hypertext link to the left to see detailed information on these services.

Exclusions

No benefit is paid 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 intentional bacterial poisoning. Exception: Infection from a cut or wound caused by an accident.
• Riding in or descending from an aircraft as a pilot or crew member.
• 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 the Covered Person commits or attempts to commit a crime.
• Voluntary use of illegal drugs.
• Intentional taking of over the counter medication not in accordance with recommended dosage and warning instructions.
• Intentional misue of prescription drugs.
• The Covered Person’s intoxication. Intoxication means the Covered Person’s blood alcohol content meets or exceeds the legal presumption of intoxication under the laws of the state where the accident occurred.

Additional Information

The Civil Service Employee Benefit Association (CSEBA) is the group policyholder of this insurance program. CSEBA makes available voluntary risk management products and services, other voluntary benefits, and educational services to current and former federal employees. Wright USA acts as the program administrator for CSEBA.

Right to change benefits, rates or terminate the plan

Changes to the group policy are subject to agreement between the group policyholder (CSEBA) and ReliaStar Life. CSEBA or ReliaStar Life may terminate the plan on any premium due date with advance notice. Rates may be changed by ReliaStar Life on any premium due date and on any date which benefits are changed, but only on a class-wide basis. For example a class is a group of insureds with the same age or gender.

Eligible Applicant Age is determined as of October 1st this year. Rates will be based on the coverage amount in effect as of October 1 each year.

Plan Administrator:

Wright Insurance Plan
c/o Massmark Administrative Services, Inc.
233 Le Phillip Court, N.E.
P.O. Box 588
Concord, NC 28026-1763
P: 877-966-3690
F: 704-786-1526
E: massmark@vnet.net

Plan Underwritten by:

ReliaStar Life Insurance Company
Box 20
Minneapolis, MN 55440

ReliaStar Life Insurance Company is licensed/authorized to transact business in all states except New York.. ReliaStar Life’s state of domicile is Minnesota, and NAIC ID# is 67015.

Important Notice:

This Web site provides brief descriptions of insurance plans offered and is not a contract. Complete terms, conditions, definitions, exclusions, limitations, and renewability requirements are detailed in the Group Policy issued to the Group Policyholder. Each insured will be provided a Certificate of Insurance that summarizes policy provisions affecting his/her coverage.

Insurance provided by ReliaStar Life Insurance Company, a member of the ING family of companies. Policy form HP010GP.