What is AD&D Insurance?

AD&D can pay a cash benefit in the event of a covered accidental death or injury.

Benefits of Coverage

  • Guaranteed acceptance – no doctor visits, health questions, or medical tests
  • Coverage available at a cost-effective, monthly rate
  • You’re protected at home, at work, on vacation, or during travel

Get $1,000 in No-Cost Coverage, paid for you by Hughes Federal Credit Union.

You are also pre-authorized to purchase up to $300,000 of AD&D coverage, underwritten by Minnesota Life Insurance Company. In a few minutes, you can activate important coverage for your loved ones.

You cannot be turned down for this coverage due to age or health. All coverage reduces by 50% at age 70 or older, regardless of age at enrollment. Don’t delay. Remember, you cannot be turned down.

Learn More

Robert Dudacek, Licensed Insurance Agent #972576TN

Frequently Asked Questions

This insurance supplements your other coverage plans. Your health insurance pays for medical procedures while Recuperative Care pays you a flat benefit amount which can be used for anything you choose.
Recuperative Care pays in addition to Hospital Accident Protection. It pays for hospitalization due to a sickness as well as an accident. HAP provides a benefit for hospitalization due to an accident, and Recuperative Care also provides a benefit to help with recuperation.
The benefit is paid directly to you and you can use it however you like. When you are home from the hospital, you can use it to pay monthly bills, recovery expenses, or anything else you want.
No. This insurance pays you cash while you get well only for each day that your doctor has kept you in the hospital for covered accidents and sicknesses.
You can be covered for $400 for each day of hospitalization; or $200 for sickness. You may also choose family coverage, which protects your spouse and dependent children at a reduced benefit rate. See your certificate of insurance for specific amounts.
No. There are no medical questions or physical exams required to qualify for this insurance.
No. Your coverage is guaranteed provided you are 18 years of age or older.
There is no termination age for you, your spouse or domestic partner; however, benefits reduce by 50% at the age of 65 and by an additional 25% at age 75, regardless of age at enrollment.
The policy’s effective date is shown on your Certificate of Insurance.
It takes about 30 days from the time the enrollment form is received to process and issue the certificate of Insurance.
If you choose not to keep your insurance, simply call toll free 1-877-629-6037, and your insurance will be canceled.
Share/Share Draft or Credit Card. Premiums will be automatically deducted from your account quarterly/monthly and will be reflected on your statement.
To file a claim, call your Plan Administrator at877-629-6037 weekdays 8:00 a.m. to 9:00 p.m. EST or visit https://fmservice.com
The claims are processed within five days of the Plan Administrator receiving the appropriate information and documentation in their offices in Franklin, TN. Once processed, the claim is then forwarded to the underwriter for determination of benefits.
Franklin Madison Group is the third party administrator for the insurance carrier providing premium billing and other services on behalf of the carrier. Franklin Madison facilitates the premium debit or charge and may be indicated on the bill. Please refer all insurance questions to Franklin Madison at 877-629-6037. For faster service please provide the coverage ID located within the billing descriptor (9 digit number starting with 6 or 7) Or visit https://fmservice.com
To maintain the privacy of the insured, information can only be provided if the primary insured is present to give consent.

FM SERVICE

Have Insurance Coverage with Franklin Madison?

View your coverage, make payments, initiate the claims process and more!

  • AD&D
  • Hospital Accident Protection
  • Recuperative Care Insurance

Visit the secure self-service portal anytime!

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