2009 USROWING ACCIDENT
INSURANCE BENEFITS

Excess Accident Medical Limit Summary

Excess Accident Medical/Dental Expense	$25,000
Accidental Death Benefit	$10,000
Accidental Dismemberment Benefit	$10,000
Physical Therapy/Chiropractic Limit	$2,000
Deductible Per Claim	$250
Policy Benefit Period	52 weeks
Full Excess Coverage

Excess Accident Medical Coverage Summary

$25,000 Participant Accident Medical Expense Coverage is provided by Markel Insurance Company (Markel) for rowing related accidental injuries to all current members of USRowing, member organizations, members of registered clubs, registered regatta participants, referees, and coaches of USRowing, including the Elite teams. This is EXCESS insurance and only comes into play after you have utilized your personal, group medical insurance, or any health benefit plan, first. If you have no other applicable insurance, this policy will pay on a PRIMARY basis.

$10,000 Accidental Death and Accidental Dismemberment coverage

Disappearing Deductible. This feature means that when any amount up to the $250 deductible is paid toward a claim, whether it is paid by a primary policy or by the claimant, the deductible will be reduced by that amount.

52-Week Benefit Period. Coverage will apply for one year from the date of injury.