Accidents Happen… Be Prepared Up to $250,000 of Protection at Affordable Group Rates


Protect your family against the losses that may result from an Accident. There are no health questions and your premium does not go up with age. Acceptance is automatic!

For the wise man or woman, inexpensive Accidental Death and Dismemberment (AD&D) insurance provides security and peace of mind. When income is lost because of covered accidental injury or death, AD&D provides a monetary bridge for families to get them through the troubled times. It can help compensate for a major decline in lifestyle and income as a result of a covered injury or it can provide a critical source of emergency funds to survivors in the event of an accidental death.

Accidental Death and Dismemberment insurance offers the extra coverage you and your family need to meet and overcome sudden unexpected problems. Up to $250,000 of Coverage!

You and your spouse are eligible to enroll in the USDA/ESRA sponsored AD&D plan for benefits up to $250,000 at very affordable rates! Under this plan you are covered 24-hours a day anywhere in the world, whether you are at home, at work, or on vacation. You are also covered when traveling on business or for pleasure, including when you are flying as a passenger (but not as a crew member or pilot) on any commercial aircraft licensed to carry passengers, except aircraft owned, leased or operated by or on behalf of your employer. Each of your children may also be insured for AD&D benefits. And these benefits are payable in addition to any other insurance you have.

Additional Benefits

The following benefits are designed to provide you and your family with extra protection and are payable in addition to AD&D benefits.

Double Benefits for Common Carrier

If you or your covered dependents are injured while riding as a passenger on a common carrier, the amount of principal sum payable under the AD&D benefit will be doubled, to a maximum of $250,000. A common carrier is a vehicle operated by a business organization and licensed to transport passengers for hire, and operated by an employee of that business.

Seat Belt Benefit

If you suffer a loss payable under the Accidental Death and Dismemberment Benefit, the plan will pay an additional benefit of 10% of the AD&D benefit amount payable, to a maximum amount of $10,000 if injury occurred: while you were a passenger in or the licensed operator of a registered automobile and while wearing a Seat Belt, as verified in the police accident report. This benefit does not cover loss if you are operating the automobile under the influence of any intoxicant, excitant, hallucinogen, narcotic or other drug, or similar substance as verified in the police accident report.

Permanent Total Disability Benefit

Pays a monthly benefit of 1% of the AD&D benefit amount, less any amount payable under the Accidental Death and Dismemberment Benefit, if you provide written proof that you were Totally Disabled from an Injury you received prior to age 70, the disability began within 365 days of the accident, the disability continued without interruption for 12 months and is expected to continue uninterrupted throughout the covered person’s lifetime.

Totally Disabled means your inability to perform the material and substantial duties of any occupation for which you are suited by education, training and experience.

Education Benefit

If your spouse and/or children are covered under this plan and the AD&D benefit is payable because of your or your covered spouse’s death, the plan will pay an Education Benefit to each eligible dependent child who qualifies. To receive this benefit, an eligible dependent child must show proof that on the date of your death he or she was enrolled as: a full time post-high school student in a school for higher learning; or a student in 12th grade and, within 365 days, enroll as a full-time post-high school student in a school for higher learning. The Education Benefit will be the lesser of 2% of your AD&D benefit amount or $2,500. This benefit is payable every year in which an eligible dependent child meets the above definition for up to 4 consecutive years, provided the dependent child submits proof of his or her student status each year. If an Education Benefit would be payable, but no person qualifies as a student, the plan will pay $1,000 to your beneficiary.

Spouse Education Benefit

If your spouse is covered under this plan and the AD&D benefit is payable because of your death, the plan will pay an Education Benefit to your spouse. This benefit will be the lesser of the Expense Incurred for Occupational Training,
or $3,500.

To qualify for this benefit, your spouse must enroll in an Occupational Training Program for the purpose of earning an independent income. Enrollment must take place within one year of your death, and expenses must be incurred within two years of your death.

Common Disease Benefit

If both you and your spouse die as a result of Injuries received in the same accident and the AD&D benefit is payable for each death, the benefit for your spouse will be increased to equal your AD&D benefit amount to a maximum combined benefit of $500,000.

Who is Eligible?

All active members of the USDA and their lawful spouses who are under 70 are eligible to enroll in this plan. You may also insure your unmarried dependent children who are under age 19 (age 25 if they are full-time students at school and primarily dependent upon you for support). If your spouse is also an eligible member and you both enroll, you cannot be dependents under each other’s coverage. Children will be considered eligible dependents of both spouses.

Effective Date of Coverage

Your coverage will become effective on the later to occur: the Policy Effective date or the first day of the month on or next following the date your enrollment form and premium payment are received. Dependent coverage goes into effect on the date you become insured; on the first day of the month following receipt of your dependent’s enrollment form; or on the date they become eligible, whichever is latest.

Coverage will continue as long as the group policy remains in effect, you remain a member of the association and you make premium payments. In addition, coverage for your spouse and dependent children will terminate when you cease
to be insured or they are no longer eligible.

Benefits for Accidental Death and Dismemberment:

If any of the following losses result from an Injury sustained in an accident, and the loss occurs within 365 days after that accident, this plan will pay:

For Loss of:

Benefit Amount

  • Life 100%
  • Both Hands or Both Feet or Sight of Both Eyes 100%
  • One Hand and One Foot 100%
  • Either Hand or Foot and Sight of One Eye 100%
  • Speech and Hearing in both ears 100%
  • Movement of both Upper and Lower Limbs (Quadriplegia) 100%
  • Movement of both Lower Limbs (Paraplegia) 75%
  • Movement of both Upper and Lower Limbs On One Side of the
  • Body (Hemiplegia) 50%
  • Either Hand or Foot 50%
  • Sight of One Eye 50%
  • Speech or Hearing in both ears 50%
  • Thumb and Index Finger of either Hand 25%

The total limit of liability for any one person for all losses due to the same accident will not be more than 100% of the benefit amount.


Benefits for loss of your life will be paid to the beneficiary you have designated. If you have not designated a beneficiary, the life benefit will be paid in equal shares to the first of your survivors in the following order:

  • First to your spouse
  • Second, to your children
  • Third, to your parents
  • Fourth, to your brothers and sisters; if there are no survivors in these classes, payment will be made to your estate.

Benefits for loss other than life will be paid to you, and all dependent benefits are payable to you.

Learn more about the USDA/ESRA Accidental Death and Dismemberment Insurance rates, or Enroll Now if you are ready to get started!


Brokered and Administered by:
Mass Benefits Consultants,
Inc. P.O. Box 828 Annandale,
VA 22003-0828
Call Toll-Free – 1-800-221-3083

Underwritten by:
New York Life Insurance Company
51 Madison Avenue New York, New York 10010
on policy form GMR

New York Life Insurance Company has received the highest possible ratings for financial strength from some of the industry’s principal rating entities: A.M. Best A++ (Superior), Fitch Ratings (AAA), Moody’s Investors Service (Aaa) and Standard and Poors (AAA).*

*Source: Individual Third Party Rating Reports (as of 3/17/09)

Although every attempt has been made to verify the accuracy of the information contained on this website, errors and omissions may occur. You will receive a certificate of insurance describing the exact coverage and benefits purchased. This website explains the general purposes of the insurance described, but in no way changes or affects the insurance afforded under the group insurance policy actually issued. All coverage is subject to the actual policy conditions and exclusions.