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Gap Plus Plan - www.gapplusplan.com - Member Driven Value.
Gap Plus Plan - www.ubamembers.com - Member Driven Value

Gap Plus Plan

Select here to Apply Now to UBA Membership and Gap Plus Plan

Plan Costs*

Individual - $40 per month
Individual+1 - $65 per month
Family - $70 per month  

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Select here to view Gap Plus Sample Member Guide for details about the plan

Group Accidental Death & Dismemberment & Group Accident Medical Expense Insurance helps with out-of-pocket costs due to an accident. Group Critical Illness Insurance helps with out-of-pocket costs due to the first diagnosis of life-threatening cancer, heart-attack or stroke. Group Term Life Insurance provides valuable protection for your family in case of loss. The Gap Plus Plan is a great fit for families, people who tend to be accident prone or with a family history of cancer, heart-attack or stroke, or those that just want that extra layer of protection for some of their out-of-pocket costs (like health plan deductibles, coinsurance maximums, out-of-network costs if you choose to go to a doctor or provider not in your network) due to an accident or being diagnosed with a Critical Illness. Gap Plus is designed to supplement your comprehensive health insurance plan for additional protection.

Unexpected Out-of-Pocket Medical Expenses Happen.
Bridge the Gap with Your Medical Plan. 


Group Accident Insurance - Gap Plus Plan

GROUP ACCIDENT INSURANCE



View Accident (AME & AD&D) Exclusions and Limitations - Gap AME Plan


Group Accidental Death & Dismemberment Insurance

If, within 1-year from the date of an Accident, covered by the Policy and the Certificate, Injury from such Accident, results in Loss listed below, We will pay the percentage of the Principal Sum set opposite the Loss in the table below. If the Covered Person sustains more than one such Loss as the result of one Accident, We will pay only one amount, the largest to which the Covered Person is entitled. This amount will not exceed the Principal Sum which applies for the Covered Person.

Maximum Benefits+

Member Principal Sum $5,000.00
Spouse Principal Sum $5,000.00
Dependent Child(ren) Principal Sum $5,000.00

+Available to all active members of the United Business Association, age 18-79, who have chosen to enroll themselves in the Gap Plus Plan option and their enrolled Spouse up to age 70 as well as their enrolled dependent Children.


LOSS & PERCENTAGE OF PRINCIPAL SUM

Loss of Life 100%
Loss of two or more Hands or Feet 100%
Loss of Speech and Loss of Hearing (both ears) 100%
Loss of Sight (both eyes) 100%
Loss of one Hand or Foot   50%
Loss of Speech   50%
Loss of Hearing (both ears)   50%
Loss of Sight (one eye)   50%
Loss of Thumb and Index Finger (same hand)   25%


Group Accident Medical Expense Insurance

Accident Medical Expense benefits may be available on an allocated or unallocated basis shown, that is to say there may be specific limits or out-of-pocket expenses on certain Covered Expenses (allocated) or all Covered Expenses may be subject to the same maximum limit and out-of-pocket expenses (unallocated). Any Deductibles, Coinsurance, Co-payments, Benefit Periods, and Benefit Maximums apply on a Covered Person, per Covered Accident basis. If an injury to the Covered Person results in Covered Person incurring Eligible Expenses for any of the services in the schedule of benefits, We will pay the Eligible Expenses incurred, subject to any applicable Deductible Amount, Benefit Period, that are in excess of Expenses payable by any other Health Care Plan, regardless of any Coordination of Benefits provision contained in such Health Care Plan.

Maximum Benefits+

Member Annual Maximum Benefit Amount $7,350.00
Spouse Annual Maximum Benefit Amount $7,350.00
Dependent Child(ren) Annual Maximum Benefit Amount $7,350.00

+Available to all active members of the United Business Association, age 18-79, who have chosen to enroll themselves in the Gap Plus Plan option and their enrolled Spouse up to age 70 as well as their enrolled dependent Children.


Loss Period

(First Covered Expenses)

90 days after the Covered Accident or Injury


Benefit Period

1 year from the date of the Covered Accident or Injury, provided the injury occurs prior to the Expiration Date and care is Medically Necessary.


Deductible

$100.00


The Covered Person must be under the care of a Physician when the Eligible Expenses are incurred. The Expense must be incurred solely for the treatment of a covered injury while the person is insured under the Certificate or during the Benefit Period stated on the schedule of benefits. The total of all medical benefits payable under the Certificate is shown in the schedule of benefits and is subject to the specific maximums shown above.



Did You Know Accident Statistic - Gap AME Plan

Non-Fatal Injuries affect millions of Americans. In 2015, 40.6 million people - about 1 in 8 - sought medical attention.1

1 in 15 people in the U.S. experienced an unintentional injury in the home in 2015 serious enough to consult with a medical professional.1

1 National Safety Council. (2017). Injury Facts®. 2017 Edition. Itasca, IL: Author. Library of Congress Catalog Number: 99-74142. Statistics taken from Page 2 and 144. http://viewer.zmags.com/publication/20020222#/20020222/1



THIS IS A LIMITED POLICY. THIS IS NOT COMPREHENSIVE MAJOR MEDICAL INSURANCE.
THIS IS AN ACCIDENT ONLY POLICY.

This is a brief description of coverage provided under the Policy Certificate and is subject to the terms, conditions, limitations and exclusions of the policy. Please see the policy and certificate for complete details. Coverage may vary or may not be available in all states. Plans are underwritten by United States Fire Insurance Company, Eatontown, NJ. The insurance described in this document provides limited benefits. Limited benefit plans are insurance products with reduced benefits intended to supplement comprehensive health insurance plans. This insurance is not an alternative to comprehensive coverage. It does not provide major medical or comprehensive medical coverage and is not designed to replace major medical insurance. Further, this insurance is not minimum essential benefits as set forth under the Patient Protection and Affordable Care Act.



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Gap Plus Plan State Availability

Gap Plus Plan State Availability

AL, AR, AZ, CA, DC, DE, FL, GA, ID, IL, IN, IA, KS, KY, LA, MI, MO, MS, NE, NM, NJ, NC, ND, OH, OK, PA, RI, SC, TN, TX, VA, WV, WI & WY

HOW TO FILE AN ACCIDENT, CRITICAL ILLNESS OR TERM LIFE CLAIM

Group Accident Claims - Gap Plus Plan
GROUP ACCIDENT
CLAIMS 

United Business Association Claim Unit
Co-ordinated Benefit Plans
Po Box 23802
Tampa, FL 33623
Phone: 877.442.7029
Email: team2@cbpinsure.com
Online Claims Look-up:
 CBPConnect.com       

Group Critical Illness Claims - Gap Plus Plan
GROUP CRITICAL
ILLNESS CLAIMS 

United Business Association Claims Unit
Windsor Life Insurance Company
1345 River Bend Drive Suite 100
Dallas, TX 75247
Phone: 877.368.3927
Fax: 214.528.2777     

Group Term Life Claims - Gap Plus Plan
GROUP TERM
LIFE CLAIMS 

United Business Association Claims Unit
Investors Heritage Life Insurance Company
200 Capital Ave, Po Box 717
Frankfort, KY 40602-0717
Phone: 800.422.2011
Fax: 502.223.6575     

view and download accident claim form
view and downoad critical ilness claim form
view and download term life claim form
Accident Claims:

To Connect to CBPConnect for Accident Claims online claims look-up, you need your Member ID Number. You can locate your Member ID number on your welcome letter in the kit you received in the mail with your membership ID card. If you can't locate your Member ID number, please contact your Personal Member Concierge at 866.438.4274.

Critical Illness Claims:

Claims for benefits shall be administered based on the Policy Certificate. A copy of the Policy Certificate is available upon request. Benefits are subject to the definitions, limitations, exclusions and other provisions within the Policy Certificate. For more information and complete details of the terms, conditions, limitations, definitions of covered critical illnesses and exclusions of coverage, please refer to the Policy Certificate. Note: Always include the Covered and Primary Insured's Name, current address, and Certificate Number (which is your social) when addressing claims. All claims must be notified within 30 days after a covered loss occurs or starts, or as soon as possible.

Term Life Claims:

To change beneficiaries, use the Change Beneficiary Change Form below.

Term Life Generic Beneficiary Change Form
Important Note:

These claim forms above are for Gap Plus Plans purchased on or after 04.05.18 or for all Gap Plus* Plans on or after 06.01.18. If you purchased a Gap Plus Plan prior to 04.05.18 and claim occurs before 06.01.18, please locate your claim form on the Members Link at www.ubamembers.com. (*Does not include Gap Plus CO, Gap Plus Plans underwritten by Guarantee Trust Life (GTL) or Gap Plus Legacy Plans.)

United Business Association

The United Business Association (UBA) is a nationwide membership of small business owners and employees. UBA leverages our purchasing power to secure benefits and discounts not otherwise available on an individual basis. With group insurance programs, shared business knowledge, business and lifestyle benefits and services and opportunities to network, We are Better Together. Your membership in the United Business Association allows you to access and enroll in any additional Gap Plan that provides an insured benefit. Various insurance companies have issued group limited benefit insurance policies to the United Business Association as the group master policyholder. Product features, additional plans and availability may vary by state. View UBA's Refund / Cancellation Policy.

*Plan Costs listed at the top of the page do not include the separate $10 UBA Membership dues. You must be a member of the United Business Association to access and enroll in this Gap Plan.

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