What is an Accelerated Death Benefit (ADB)?
If you become terminally ill and it is determined by your physician (currently licensed in the United States); based on a generally accepted prognostic protocol, that you will not survive more than nine months beyond the date of the request for an ADB, you may be allowed to receive a portion of the face value of your life insurance during your life time. Upon approval by Aetna, the amount of ADB will be paid to you in a lump sum and is not subject to federal income tax. The face value of your life insurance will be reduced by the amount that you receive for the ADB. 12. How do I submit a request for my Accelerated Death Benefit (ADB)? You must complete an Aetna Request for ADB Form. If your request is approved by Aetna, you may receive up to 50% of the amount of your life insurance during your lifetime. The amount of your life insurance will be reduced by the amount of the ADB. 13. How does Medicare coordinate with my group health insurance benefits? At the time you become eligible for
