Fatality in Spite of Seatbelts: Additional Benefits
Q: What happens if someone dies in a car accident, even while using a seat belt or airbag?
A: If the member had Active Plan coverage at the time of the accident, their family may receive a $10,000 Seat Belt Benefit. If an airbag was also deployed, an additional $10,000 Airbag Benefit may be paid, for a total of up to $20,000 in support.
Tom’s close friend and fellow grip, David, had always been cautious on the road, never leaving anything to chance. One late night, while driving home from a shoot, David was involved in a tragic car accident. Despite wearing his seat belt, the crash took his life, leaving his family devastated.
Because David had Active Plan coverage at the time of the accident, his family qualified for specific accident insurance benefits. The plan included a Seat Belt Benefit, which provided $10,000 in recognition of David having taken precautionary safety measures.
And because David’s car was also equipped with an airbag that deployed, his family received an additional $10,000 under the Airbag Benefit, bringing the total payout to $20,000.
This financial support helped David’s family manage the immediate costs following his death—covering funeral expenses, medical bills, and other unexpected burdens. For his wife and children, it offered a measure of stability in an otherwise overwhelming time, giving them the space to grieve without added financial stress.
Though Tom was heartbroken over the loss of his friend, he took comfort in knowing that because David had Active Plan coverage, his family didn’t have to face the aftermath entirely on their own.