As an AOPA member under age 70 and residing in the United States, you can add up to $300,000 of AOPA Group Accidental Death and Dismemberment (AD&D) Insurance benefits (AOPA members age 70-74 can add up to $50,000 in AD&D insurance benefits). You can also add Dependent Family coverage which includes your spouse1 and unmarried child(ren) under age 25. The level of benefit payable is based on your selected coverage amount and your family situation at the time of the accident.
With the AOPA AD&D Insurance Plan, you're covered anywhere, 24/7. The benefits cover general aviation pilots at all levels of flying, even student pilots. You’re guaranteed coverage without a physical.
The benefits will be paid as follows for a covered person:
| Dependent Family Situation | Benefits Payable |
|---|---|
| Spouse1 and Children | Spouse1 covered at 50% of the Member’s amount of AD&D Insurance, Child (each) covered at 10% of the Member’s amount of AD&D Insurance |
| Spouse1 Only | Spouse1 covered at 60% of the Member’s amount of AD&D Insurance |
| Children Only | Child (each) covered at 15% of the Member’s amount of AD&D Insurance |
To view a full rate chart, please click on the "Rates" tab located next to the "Benefits" tab below.
The AOPA Accidental Death and Dismemberment Insurance Plan is offered to you with no physical exam or health questions. You and your family are guaranteed coverage regardless of your health as long as you are an AOPA Member under the age of 75.
24-hour coverage with benefits up to $300,000 – You’re guaranteed $300,000 of benefits as an AOPA Member under age 70, and $50,000 of benefits as an AOPA Member between the ages of 70 and 75, with no physical exam or health questions.
Pays up to $15,000 of disability benefits – If you become totally and permanently disabled within 180 days of a covered accident, you collect up to $15,000 (or 5% of your full benefit amount). You must submit proof of your disability and your disability must continue to be total and permanent, as defined in the certificate.
Pays up to $10,000 EXTRA for transportation – If there is a covered fatal accident more than 200 miles from your home, an additional transportation benefit of up to $10,000 (5% of your benefit amount) will be paid.
Benefits for Specific Loss Coverage
Life; both hands or both feet; sight of both eyes; one hand and one foot; one hand or one foot and sight of one eye; speech and hearing in both ears; quadriplegia 100% of Principle Sum.
Paralysis of three limbs: 75% of Principle Sum.
Paraplegia; One hand, one foot or sight of one eye; speech; hemiplegic 50% of Principle Sum.
Loss of thumb and index finger of same hand; paralysis of one limb; and loss of hearing in both ears; loss of speech 25% of Principle Sum.
If you suffer multiple losses due to the same accident, only one benefit amount, whichever is greater, is payable. Loss is defined as the complete severance of the hand or foot at or above the wrist or ankle joint, total and irrecoverable loss of entire sight, speech or hearing, and severance of two or more entire digits of both the thumb and index finger. To receive benefits, loss must be independent of sickness and other causes.
Burn Benefit – If, due to a covered accident, you suffer disfigurement due to burns covering at least 5% of your body, benefits of 10% of your benefit amount (up to $30,000) will be paid.
Coma Benefit – If, due to a covered accident, you are in a coma, you will collect a coma benefit until you are no longer in a coma or the maximum benefits have been paid. You collect 2% of your benefit amount per month up to 12 months or a maximum of $24,000.
Accidental Death and Dismemberment Exclusions
ReliaStar Life does not pay benefits for loss directly or indirectly caused by any of the following:
1 Reference to spouse include New Jersey civil union partners as well as partners in same-sex relationships formed in other jurisdictions that provide substantially all of the rights and benefits of marriage but which may have been formed under a different name.
This is a summary of benefits only. A complete description of benefits, limitations, exclusions and termination of coverage will be provided in the certificate of coverage. All coverage is subject to the terms of the group policy. If there is any discrepancy between this document and the group policy documents, the policy documents will govern.
AD&D insurance coverage is provided under the terms of a group health insurance policy, Group Policy 67485-1 issued and delivered in the state of New Jersey to the Aircraft Owners and Pilots Association as the policyholder and governed by the laws of New Jersey. The group health insurance policy is issued by ReliaStar Life Insurance Company, Minneapolis, MN. This is a paid endorsement. AOPA receives a fee from the insurance broker and/or the insurer for its endorsement of this plan. The policy is administered on behalf of ReliaStar Life Insurance Company by Mercer Health & Benefits Administration LLC, an insurance administrator licensed in the state of New Jersey. In CA d/b/a Mercer Health & Benefits Insurance Services LLC AR Insurance License #100102691 • CA Insurance License #0G39709 Our Role and Compensation
As a pilot you have specialized needs. That’s why the AOPA AD&D Insurance Plan provides you with a broad range of accident coverage—aviation-related and more. Plus, as an AOPA Member, you gain access to affordable group rates, which are typically lower than other pilots can get with individual plans.
Rates may vary by state. Call 844.304.AOPA (2672) to request your quote
| LEVEL OF COVERAGE | MEMBER ONLY | MEMBER AND FAMILY |
|---|---|---|
| $25,000 | $3.96 | $6.67 |
| $50,000 | $7.92 | $13.33 |
| $150,000 | $35.63 | $51.88 |
| $300,000 | $71.25 | $103.74 |
Upon attainment of age 70, your amount of insurance will reduce to 50%. Upon attainment of age 85, your amount of insurance will reduce to 25%.
Other coverage amounts are available. If you do not see the level of coverage that you are interested in, please call 844.304.AOPA (2672).
The rates shown are guaranteed until December 31, 2018.
Benefits will be paid to you even if you suffer a covered injury at work and receive Workers Compensation benefits (other than the rehabilitation benefit). The AOPA AD&D Plan pays benefits for any covered accident—24 hours a day, anywhere.
Accidents rank as one of the top causes of death in our country, according to the National Safety Council. It makes sense to add extra coverage for accidental deaths or injuries. The AOPA Accidental Death and Dismemberment insurance plan pays benefits to cover the unique costs associated with covered accidents—in addition to any coverage you already have. And AD&D coverage is affordable—you can add up to $300,000 of coverage for just pennies a day.
AD&D coverage is affordable, so many AOPA members, under age 70, get the maximum coverage available—$300,000.
No, because aircraft or auto insurance covers your plane and vehicle. AOPA AD&D insurance benefits cover you. Benefits are paid directly to you and your family to spend as needed.
No. You and your eligible family members are guaranteed coverage—regardless of your level of flying experience, professional, lifestyle or travel plans.
