UBA'S OPTIONAL SUPPLEMENTAL INSURANCE CATEGORY INCLUDES GROUP INSURANCE LIKE ACCIDENT AND CRITICAL ILLNESS.

GAP 10000

Protect yourself for some
out-of-pocket medical expenses.

Blanket Group Accident Insurance

Blanket Group Accident Medical Expense Insurance

$10,000 Group Accident Medical Expense Insurance Annual Maximum Benefit.

$100 Deductible per accident.

Blanket Group Accidental Death & Dismemberment Insurance

$5,000 Group Accidental Death & Dismemberment Insurance Maximum Principal Sum.

Blanket Group Accident Insurance is underwritten by Sirius America Insurance Company.

Group Critical Illness Insurance

Critical Illness Insurance Benefit

$10,000 Critical Illness Benefit Lifetime Maximum Benefit Amount

Maximum Lifetime Benefit Amount is $1000 if first diagnosis of a Covered Critical Illness occurs within the first year from the effective date. Invasive Cancer benefit will not be paid if Proof of Loss occurs prior to 45 days from the effective date. Benefit ends at age 65 and Critical Illness Insurance Benefit is only available for Covered Member and their Eligible Spouse.

Group Critical Illness Insurance is underwritten by Sirius America Insurance Company.

ASSOCIATION BENEFITS
PROVIDED BY:

BLANKET GROUP ACCIDENT INSURANCE
& GROUP CRITICAL ILLNESS INSURANCE
UNDERWRITTEN BY:
Sirius America Insurance Company

BILLING, FULFILLMENT &
CUSTOMER SERVICE PROVIDED BY:

^{*Billing is administered through the Third Party Administrator
of H A Partners, Inc. or HealthyAmerica (depending on state).}

THE INSURANCE PORTIONS OF THIS MEMBERSHIP PRODUCT PROVIDE LIMITED COVERAGE. THEY DO NOT PROVIDE COMPREHENSIVE MAJOR MEDICAL INSURANCE. COVERAGE IS PROVIDED UNDER BLANKET ACCIDENT AND GROUP CRITICAL ILLNESS INSURANCE ONLY POLICIES.

The following monthly insurance rates apply to coverage underwritten by Sirius America Insurance Company¹. Your overall total association membership dues for the optional supplemental Gap 10000 Plan also include these monthly insurance rates:

¹Blanket Group Accident Insurance:
$6.00(Member), $12.00 (Member+1), $22.61 (Family)

¹Group Critical Illness Insurance:
$6.18 (Member) & $12.36 (Member+Spouse)


Read the Certificate(s) of Insurance carefully. This is a brief description of various group association insurance membership products and is not an insurance contract, nor part of the Certificate of Insurance and is subject to the terms, conditions, limitations, and exclusions of the Blanket Group Policy and Certificate(s) of Insurance. Coverage may vary or may not be available in all states. You’ll find complete coverage details in the Certificate(s) of Insurance. Blanket Accident Insurance and Group Critical Illness Insurance are underwritten by Sirius America Insurance Company, New York, NY. The insurance described in this document provides limited benefits. Limited benefit plans are insurance products with reduced benefits intended to help supplement comprehensive health insurance plans. The insurance coverage 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, the insurance coverage is not minimum essential benefits as set forth under the Patient Protection and Affordable Care Act. Covered Critical Illnesses are subject to the definitions, limitations and exclusions of the Group Policy. Coverage for Critical Illness is for Member and eligible Spouse between the ages of 18-64. Benefit for Group Critical Illness Insurance ends at age 65. Group Critical Illness Insurance Benefit Maximum is reduced if the first diagnosis occurs in the first year from the effective date. Membership Product cost for the Gap 10000 Plan does not include the separate $10 UBA Membership dues. You must be a member of the United Business Association in order to purchase this product.

United Business Association, Sirius America Insurance Company, and HealthyAmerica are separate legal entities and have sole financial responsibility for their own products.

HASA-1000 | HASA-BAM-1000

• CHOOSE STATE TO VIEW CERTIFICATE OF INSURANCE
  
  (Limitations & Exclusions)
  • Alabama
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Delaware
  • District of Columbia
  • Florida
  • Georgia
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Michigan
  • Mississippi
  • Missouri
  • Nebraska
  • Nevada
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Rhode Island
  • Tennessee
  • Texas
  • Virginia
  • West Virginia
  • Wisconsin
  • Wyoming
  
  

GAP 25000

Get the upper hand on
out-of-pocket medical expenses.

Blanket Group Accident Insurance

Blanket Group Accident Medical Expense Insurance

$25,000 Group Accident Medical Expense Insurance Annual Maximum Benefit.

$100 Deductible per accident.

Blanket Group Accidental Death & Dismemberment Insurance

$5,000 Group Accidental Death & Dismemberment Insurance Maximum Principal Sum.

Blanket Group Accident Insurance is underwritten by Sirius America Insurance Company.

Group Critical Illness Insurance

Critical Illness Insurance Benefit

$25,000 Critical Illness Benefit Lifetime Maximum Benefit Amount

Maximum Lifetime Benefit Amount is $2500 if first diagnosis of a Covered Critical Illness occurs within the first year from the effective date. Invasive Cancer benefit will not be paid if Proof of Loss occurs prior to 45 days from the effective date. Benefit ends at age 65 and Critical Illness Insurance Benefit is only available for Covered Member and their Eligible Spouse.

Group Critical Illness Insurance is underwritten by Sirius America Insurance Company.

ASSOCIATION BENEFITS
PROVIDED BY:

BLANKET GROUP ACCIDENT INSURANCE
& GROUP CRITICAL ILLNESS INSURANCE
UNDERWRITTEN BY:
Sirius America Insurance Company

BILLING, FULFILLMENT &
CUSTOMER SERVICE PROVIDED BY:

^{*Billing is administered through the Third Party Administrator
of H A Partners, Inc. or HealthyAmerica (depending on state).}

THE INSURANCE PORTIONS OF THIS MEMBERSHIP PRODUCT PROVIDE LIMITED COVERAGE. THEY DO NOT PROVIDE COMPREHENSIVE MAJOR MEDICAL INSURANCE. COVERAGE IS PROVIDED UNDER BLANKET ACCIDENT AND GROUP CRITICAL ILLNESS INSURANCE ONLY POLICIES.

The following monthly insurance rates apply to coverage underwritten by Sirius America Insurance Company¹. Your overall total association membership dues for the optional supplemental Gap 25000 Plan also include these monthly insurance rates:

¹Blanket Group Accident Insurance:
$8.54(Member), $17.07 (Member+1), $32.18 (Family)

¹Group Critical Illness Insurance:
$15.45 (Member), $30.90 (Member+Spouse)


Read the Certificate(s) of Insurance carefully. This is a brief description of various group association insurance membership products and is not an insurance contract, nor part of the Certificate of Insurance and is subject to the terms, conditions, limitations, and exclusions of the Blanket Group Policy and Certificate(s) of Insurance. Coverage may vary or may not be available in all states. You’ll find complete coverage details in the Certificate(s) of Insurance. Blanket Accident Insurance and Group Critical Illness Insurance are underwritten by Sirius America Insurance Company, New York, NY. The insurance described in this document provides limited benefits. Limited benefit plans are insurance products with reduced benefits intended to help supplement comprehensive health insurance plans. The insurance coverage 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, the insurance coverage is not minimum essential benefits as set forth under the Patient Protection and Affordable Care Act. Covered Critical Illnesses are subject to the definitions, limitations and exclusions of the Group Policy. Coverage for Critical Illness is for Member and eligible Spouse between the ages of 18-64. Benefit for Group Critical Illness Insurance ends at age 65. Group Critical Illness Insurance Benefit Maximum is reduced if the first diagnosis occurs in the first year from the effective date. Membership Product cost for the Gap 25000 Plan does not include the separate $10 UBA Membership dues. You must be a member of the United Business Association in order to purchase this membership product.

United Business Association, Sirius America Insurance Company, and HealthyAmerica are separate legal entities and have sole financial responsibility for their own products.

HASA-1000 | HASA-BAM-1000

• CHOOSE STATE TO VIEW CERTIFICATE OF INSURANCE
  
  (Limitations & Exclusions)
  • Alabama
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Delaware
  • District of Columbia
  • Florida
  • Georgia
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Michigan
  • Mississippi
  • Missouri
  • Nebraska
  • Nevada
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Rhode Island
  • Tennessee
  • Texas
  • Virginia
  • West Virginia
  • Wisconsin
  • Wyoming
  
  

GAP TERM

Help give peace of mind
when you are no longer with them.

Group Term Life Insurance

$10,000 Death Benefit - Primary Member
Subject to Waiting Period & Attained Age Benefit Reduction.

Accidental Death Benefit

Group Term Life Insurance

If, within 90 days from the date of an Accident which occurs while coverage is in force, Injury from such Accident results in a loss covered by this benefit. The Death Benefit will be paid in the amount set opposite such loss, as shown in the Schedule of Benefits. If more than one such loss is sustained as the result of one Accident, only one amount will be paid, the largest to which the Covered Person is entitled

Group Term Life Insurance Limitations

Group Term life Insurance with Accidental Death Benefit Coverage Amounts for Primary Member

AGES 18-64
Waiting Period (6 Months):
$10,000 Accidental Death Benefit Only
Ongoing Coverage (Beyond Waiting Period):
$10,000 Term Life Benefit

AGES 65-69
Waiting Period (6 Months):
$10,000 Accidental Death Benefit Only
Ongoing Coverage (Beyond Waiting Period):
$5,000 Term Life Benefit + $5,000 Accidental Death Benefit

AGES 70+
$10,000 Accidental Death Benefit Only

During the first 6 months that your benefit enrollment is active, waiting period benefits are limited to $10,000 of Accident Death Benefits only. After 6 months of continuous benefit enrollment, benefits are provided based on your attained age as reflected in the benefit tiers shown above.

Spousal Benefits are 50% of the Primary Member's term life insurance benefit, subject to the waiting period and attained age benefit tiers shown above. Child benefits are 25% of the Primary Member's term life insurance benefit.

Group Term Life Insurance is underwritten by Guarantee Trust Life Insurance Company ("GTL").

Group Term Life Insurance Exlusions

This Benefit is subject to all terms, conditions and exlusions of the Certificate of Insurance.

Suicide Exclusion

If a Covered Person dies as the result of suicide or any attempt at suicide, while sane or insane within two years of his Effective Date of coverage, the insurance company will be liable only for an amount equal to the Premium paid.

With respect to an increase in the amount of insurance, the insurance company will consider the two year period to begin as of the effective date of such increase.

The return of such Premium will be in lieu of all other benefits under the Certificate which may have been payable for that Covered Person.

UBA Membership Services

Along with the group insurance coverage provided in this Membership Product, the non-insurance UBA Membership Benefits provided by the United Business Association inlude 24-Hr Nurse Helpline, Lab Discounts, Discount Hearing Service, Safelite AutoGlass Discount, UBA Savings Perks Program and more. For full description of the UBA Membership non-insurance benefits and services, review the sample membership guide.

Guarantee trust Life Insurance does not offer and is not affiliated with the non-insurance services and discount programs offered in connection with membership in the United Business Association (UBA).

ASSOCIATION BENEFITS
PROVIDED BY:

GROUP TERM LIFE INSURANCE
UNDERWRITTEN BY:
Guarantee Trust Life Insurance Company

BILLING, FULFILLMENT &
CUSTOMER SERVICE PROVIDED BY:

^{*Billing is administered through the Third Party Administrator
of H A Partners, Inc. or HealthyAmerica (depending on state).}

THE INSURANCE PORTIONS OF THIS MEMBERSHIP PRODUCT PROVIDE LIMITED COVERAGE. THEY DO NOT PROVIDE COMPREHENSIVE MAJOR MEDICAL INSURANCE. COVERAGE IS PROVIDED UNDER GROUP TERM LIFE INSURANCE ONLY POLICIES.

The following monthly insurance rates apply to coverage underwritten by Guarantee Trust Life Insurance Company¹. Your overall total association membership dues for the optional supplemental Gap Term Membership Product also include these monthly insurance rates:

¹Group Term Life Insurance: $4.40


Read the Certificate(s) of Insurance carefully. This is a brief description of various group association insurance membership products and is not an insurance contract, nor part of the Certificate of Insurance. The insurance described in this document provides limited benefits. Limited benefit policies are insurance products with reduced benefits intended to help 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. This is a brief description of Group Term Life coveage provided under the Certificate of Insurance and is subject to the terms, conditions, limitations and exclusions of the policy. Please review the Certificate of Insurance for complete details. Coverage and terms may vary or may not be available in all states. Group Term Life Insurance is underwritten by Guarantee Trust Life Insurance COmpany ("GTL"), Glenview, IL. Membership Product cost for Gap Term does not include the separate $10 UBA Membership dues. You must be a member of the United Business Association in order to purchase this membership product.

United Business Association, Guarantee Trust Life Insurance Company, and HealthyAmerica are separate legal entities and have sole financial responsibility for their own products.

• CHOOSE STATE TO VIEW CERTIFICATE OF INSURANCE
  
  (Limitations & Exclusions)
  • 
    Alabama
  • Arkansas
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Delaware
  • District of Columbia
  • Florida
  • Georgia
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Michigan
  • Mississippi
  • Missouri
  • Nebraska
  • North Dakota
  • Ohio
  • Oklahoma
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • Tennessee
  • Texas
  • Virginia
  • West Virginia
  • Wisconsin
  • Wyoming