Quote:
Originally Posted by jplinville
It's AD&D insurance. It's basic and solid, not a scam. They pay, per schedule, for accidents you have whether you're injured at work or at play.
They helped our family out a lot after the house fire. They ended up paying us over $30k due to injuries. They also paid a decent chunk when I broke my leg a few years ago, and again last summer when I broke two toes.
Making the claim is easy enough, fill out a form after calling them, and send it in.
Like I said...they pay per a schedule that they give you when you purchase the coverage, so you know what is and what isn't covered, as well as how much they will pay you and for how long.
I still carry coverage, as does my wife.
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Thanks for the feedback, JP. Sounds like you've certainly put them to the test.
They seem to provide some peace of mind for the unexpected.
The only unfortunate thing is with my wife being "not employed" for the last 15 years, coverage available for her is minimal (IIRC they require about $9K income to qualify). If she ever went down for a period of time and we required childcare and transportation, we'd be screwed. I'm easily replaceable. Her, not so much.
