55A - HARTFORD INSURNACE - Laserfiche WebLink

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commit a felony, sustained while taking drugs except as prescribed by a physician, while intoxicated and while on full-time, active duty in the armed forces. Coma Benefit — Full principle sum is paid over a 12-month period Third Degree Bum Benefit — Pays 100% of principle sum if 75% or more of your body is burned and pays between 50% of principle sum it 50% to 74% of body is burned. Repatriation of Mortal Remains — Will pay a benefit if outside a 200-mile radius from principle place of residence. Education Benefit — Dependent Childfren) Covers education level kindergarten to 12" grade and post high school Total Disability Benefit — Waives the 365-day covered loss period if - the accident left the person disabled and they die as a direct result of the injuries sustained in the accident. Delete If current contract does not include Traumatic Brain Injury Benefit — We will pay a traumatic brain injury benefit I you [or your dependent) suffer an accident that causes permanent brain damage that cannot be reversed. Exclusions — War Self-inflicted Injury Commission of or attempt to commit a criminal act Insurrectionrebellion, or taking part in a riot or civil commotion Motor vehicle accident caused by operating the vehicle while you are under the influence of alcohol. drugs except as prescribed by a physician, while intoxicated and while on full-time, active duty in the armed forces Coma Benefit — Percentage of the principle sum is paid per month until maximum reached. Critical Burn Benefit — When included, this benefit pays 5% of principle sum to a maximum of $5,000 if 25% of the body is burned and can only be connected through reconstructive surgery Repatriation of Mortal Remains — Will only pay a benefit if transporting across state lines or county borders. Education Benefit — Dependent Children) Only pays benefit for child education benefit post high school. No similar benefit option. No similar benefit option. Exclusions — The Hartford's standard exclusions are: War Self-inflicted Injury Commission of or attempt to commit a Felony Engaged in an illegal occupation If not under regular care of physician The Hartford's payment percentage is variable and same principle sum can be paid over time. The Hartford's Critical Bum Benefit is more limited. It pays a lesser amount and only applies H there is a need for reconstructive surgery: however, it does not require the higher percentage of burn to occur to receive a benefit. The Hartford's benefit is slightly better since the only requirement is crossing state or county lines versus an actual miles limit. The Hartford's Dependent Child(ren) education benefit limits benefit to post high school students only. The Hartford does not currently support this benefit feature. The Hartford does not currently support this benefit feature. Both contracts exclude certain high -risk conditions or activities. In addition, Aetna and The Hartford both require claimants to be under the regular care of a physician, this requirement is reflected in The Hartford's Exclusions and Aetna's benefit eligibility. 55A-24