Below is ONLY for Group Accident Insurance underwritten by United States Fire Insurance Company. If your product is underwritten by Guaranteed Trust Life (GTL) for Group Accident Only Insurance please view the Article for GTL Group Accident Age Limits or for Sirius America Insurance Company's Blanket Group Accident Insurance please view the article for Sirius America Insurance Company Accident Age limits.
Minimum Age for Insured Person - 18 years old
Coverage Ends for:
Insured Person - ends at age 79
Eligible Spouse - ends at age 70
- AL, AR, AZ, CA, DC, DE, GA, IA, ID, IL, KS, KY, LA, MI, MO, MS, NC, ND, NJ, NM, OH, OK, PA, RI, SC, TN, TX, VA, WI, WV, & WY: (coverage for unmarried children under the age of 26) - coverage ends at age 26
- FL, IN & VT- (coverage for children under the age of 26) - coverage ends at age 26
- NE - (coverage for unmarried children under the age of 30) - coverage ends at age 30
For Group Accident Insurance - the rule for 26 and over for dependent children is:
The age limitations will not apply to a Covered Person's unmarried Child who is incapable of self-support due to a mental or physical incapacity. Proof of such incapacity must be furnished to the Company immediately upon enrollment or within 31 days of the Child reaching the age limitation. Thereafter proof will be required whenever reasonably necessary, but not more often than once a year after the 2-year period following the age limitation.
Read the the Certificate(s) of Insurance carefully. This is a brief description of various group association insurance 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 Certificate(s) of Insurance and/or Certificate Riders. Coverage may vary or may not be available in all states. You'll find complete coverage details in the Certificate(s) of Insurance and/or Certificate Riders. Group Accident Insurance is underwritten by United States Fire Insurance Company, Eatontown, NJ. The insurance described in this Help Guide article 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.
Important: Healthy America and United Business Association (UBA) are not authorized to pay claims or be involved in the claims decision process. All claim decisions are made by the TPA claims administrator and the insurance carrier.