Equipment Insurance Only you know the value of your instruments and equipment. Just think of the amount of money it would take to replace them. Most homeowner's and renter's insurance is not enough to protect you from loss, theft, or damage on location. The AFM provides access to "All-Risk" Musical Instrument and Equipment Insurance Plan. Your instruments and music-related equipment are protected from vandalism, breakage, water, fire, lightning, and theft up to the full replacement value. If you are employed full-time, freelance, work out of your home, or are self-employeed, this insurance protext the large investment you've made in your equipment. Musicians' Liability Insurance This policy provides up to $1,000,000 for each occurence and up to $2,000,000 of aggregate coverage for lawsuits arising out of bodily injury and/or damage to property of others, occuring on or off premises during your performance. Also, since no two AFM members have the same needs, the AFM Insurance is designed to fit your unique specifications. This plan offers quality, economical insurance, made available to you through AFM group buying power. Term Life Insurance This plan helps you obtain life insurance for your family by providing up to $300,000 of life coverage at economical group rates for both you and your spouse. Coverage is also available for your dependent children. Accidental Death and Dismemberment Insurance Just for being a union member you get $10,000 of workplace accidental death insurance absolutely free! The free $10,000 of insurance not only covers you while you are at work, it covers you commuting to and from your union job. Personal Accident Insurance Coverage under this plan protects you from a loss caused by a covered accident 24 hours a day, 365 days a year, anywhere in the world. Covered losses include your life, hands, feet and/or eyes. Any benefits you may receive from this plan are paid directly to you or your beneficiary to cover expenses, medical costs or to invest in long-range income replacement, regardless of Worker's Compensation, Social Security or other insurance benefits. Disability Income Plan Protects one of your most valuable assets -- your income. You may select monthly tax-free benefits ranging up to $3,000, providing you with a continuing income when a disabling accent or illness prevents you from working. "Market Basket" Health Insurance Three health coverage choices (not available in all states) have been specifically designed for AFM members and their families: Major Medical This plan is ideal when you're looking for "freedom of choice" in your health care coverage. It provides a broad range of coverage for all facets of health care for you and your family with no limits to selected physicians or health care facilities. Preferred Provider Option With this option, you'll receive a list of medical providers and facilities to select from when you require health care. Each has been thoroughly screened to be sure you'll receive a high standard of medical care. This plan provides a broad range of coverage for hospital room and board, physician and surgeon's fees, lab services and much more. Medical Savings Account The newest choice in health coverage for the self-emplyed. Medical Savings Accounts allow you to build up a tax-free savings account to pay for routine medical expenses. You build the account with tax-free dollards and they remain tax-free while your MSA is active. Yout MSA combines with a high deductible insurance policy. With the high deductible insurance plan, the cost of an MSA can be kept competitively low. Catastrophic Major Medical Insurance This plan provides coverage for you and your family against the extraordinary medical expenses that occur when a catastrophic illness or accident strikes. It helps supplement your current HMO, PPO, major medical plan or Medicare, providing up to 100% coverage of reasonable and customary eligible expenses after your deductible is satisfied. You can receive up to $1,000,000 in benefits for eligible medical expenses. Extra In-Hospital Coverage Plan No hospitalization or major medical plan covers all your expenses. This plan pays up to $150 for every day you or a member of your family spends in the hospital as a result of a covered accident or illness. Benefits are paid directly to you in addition to any other insurance payments you receive. Cancer Protection Plan A special group insurance plan has been developed specifically for the AFM for the treatment of cancer, for you and your family. This plan provides protection for the extreme medical costs that can arise from cancer treatment. Short-term Medical Plan Designed for temporary major medical needs, this plan provides up to $2,000,000 in short-term medical coverage. Coverage includes hospitalization, surgery and outpatient expenses for up to 180 days. If necessary, you can apply for additional coverage periods. This plan is perfect for recent college graduates, those between jobs or those waiting for insurance to take effect. Pharmacy Prescriptions This program is easy to use, and you and your family members (including parents) can instantly reduce out-of-pocket expenses for prescriptions and vision care as soon as you enroll. With 26,000 pharmacies nationwide, you can save up to 40% on brand name and generic drugs at national chains such as Thrifty/Payless, Rite Aid, Safeway and more. A mail-order pharmacy with discounts up to 50% is also available. In addition, you can receive vision-care discounts up to 40% on exams, frames, glasses and contacts. A low annual fee also covers access to a 34-hour Nurse HelpLine for halth education, care advice, and support. Dental and Vision On their first visit, many families save enough with this program to cover the enrollment fee. Even if you have insurance, this program can help to reduce your out-of-pocket costs. You will have access to a netowrk of more than 11,000 dental offices, savings of up to 37% on teeth cleaning and 40% for 170 other dental services, a savings of between 10% and 50% on vision exams, frames and contact lenses, and much more. All for a low annual fee. National Ear Care Plan This plan offers discounts on hearing tests, aids and care through a nationwide network of pre-qualified audiologists.