Surrogacy Disability & Life Insurance for Surrogates

Temporary Total Disability (TTD) and Accidental Death (AD) Coverage:

Sage has partnered with IDU to offer a competitive plan for Temporary Total Disability (TTD) and Accidental Death (AD) Coverage for prospective parent(s) to help protect their Gestational Surrogate during the course of their Surrogate Pregnancy. This plan is a great member benefit that supplements Surrogate Elite “Your Choice” Surrogacy Care.

Temporary Total Disability (TTD) and Accidental Death (AD) Coverage:

Insurance Policy with Money and magnifying glass | Sage International Family Association

Coverage:

Temporary Total Disability (TTD) and/or Accidental Death (AD) caused by a complication of pregnancy. Sickness is not covered, unless correlated to an accidental death or disability that was caused by a complication of pregnancy. Cause must be within 1 year from the coverage effective date and eligible death or disability must be within 24 months from the date of transfer or heartbeat, specifically related to an accidental death or disability from a complication of pregnancy.

Cost:

Total cost to Intended Parents for both Temporary Total Disability (TTD) and/or Accidental Death (AD) is $1,000.00.

Coverage:

Cost:

Total cost to Intended Parents for both Temporary Total Disability (TTD) and/or Accidental Death (AD) is $1,000.00.

Plan Features:

Policy Term

1 Year. Coverage is effective from the date of transfer or heartbeat (must be included on the census sheet), for up to 1 Year from that date.

Eligibility

US based surrogates that have passed the SAGE medical screening, are US citizens and have been working full time (minimum 30 hours per week), for the period of time commencing 180 days prior to the date of application and has not been homebound or hospitalized due to injury or sickness.

Benefit Maximum

TTD: $2,000 per month for 6 Months after 90 days Elimination period and/or;

AD: $500,000 Lump Sum paid in case of the insured Surrogate’s death.

Important Terms to Know:

Accidental Death Caused by a Complication of Pregnancy:

As a result of an accident caused by a complication of pregnancy, the insured suffers a Bodily Injury causing Death. ‘BODILY INJURY’ means identifiable physical injury which is caused by an Accident that is caused by a complication of pregnancy, and solely and independently of any other cause, except medical or surgical treatment rendered necessary by such injury, occasions the death of the Assured within 24 months from the date of the Accident.

Accident:

Or ‘Accidental’ means a sudden, unexpected, unusual, specific external event, caused by a complication of pregnancy, which occurs at an identifiable time and place during the period of insurance.

Disabled/Disability:

Means you are unable to perform the Substantial and Material Duties of your Regular Occupation as a result of an Injury due to complication of pregnancy that first manifests while the coverage is in-force and you are under the care of a Physician appropriate to your condition(s).

Elimination Period:

The period of time for which the Insured must be continuously disabled before benefits payable. This is found on the Schedule.

Regular Occupation:

The Occupation which you are regularly engaged in. Shown on the Schedule as Surrogate mother.

Complications of Pregnancy:

A condition(s) requiring a hospital stay(s) for an ongoing pregnancy whose diagnoses are distinct from pregnancy but are adversely affected by pregnancy or caused by pregnancy. Non-elective cesarean section, ectopic pregnancy that is terminated, and spontaneous termination of pregnancy occurring during gestation where a viable birth is not possible are also considered complications of Pregnancy. Examples of complications: acute Nephritis, missed abortion and similar surgical conditions. Complications of Pregnancy shall not be defined to include: miscarriage, gestational diabetes, stroke, false labor, spotting, physician prescribed rest, morning sickness, hyperemesis gravidarum, preeclampsia and similar conditions associated with difficult pregnancy not constituting a nosologically distinct complication of pregnancy. The inability to carry another baby, as a surrogate is not a disabling event. This policy does not cover claims in any way caused or contributed to or by sickness or disease or mental infirmity or emotional or psychological trauma.

Miscarriage:

A miscarriage is not considered a complication of pregnancy, for the purposes of this offer, and is not covered by this policy. The miscarried surrogate will come off risk immediately

Application Form:

IDU TTD and AD Coverage Application

Applicant

External ID/SSN

First Name:

Middle Name:

Last Name:

Email:

Phone Number:

Title/Occupation:

Residence/Country:

Applicant Birth Date:

Month

Day

Year

Coverage Effective Date/Date of Fetal Heartbeat:

Month

Day

Year

Beneficiary Split if more than one Beneficiary:

Beneficiary Split (insert N/A if no split):

Surrogate Beneficiary 1:

Surrogate Named Beneficiary 1:

Relationship of Beneficiary 1 to Surrogate:

Street Address of Beneficiary 1:

Beneficiary 1 City:

Beneficiary 1 State:

Beneficiary 1 Zip Code:

Surrogate Beneficiary 2 (if applicable):

Surrogate Named Beneficiary 2:

Relationship of Beneficiary 2 to Surrogate:

Street Address of Beneficiary 2:

Beneficiary 2 City:

Beneficiary 2 State:

Beneficiary 2 Zip Code:

Surrogate Beneficiary 3 (if applicable):

Surrogate Named Beneficiary 3:

Relationship of Beneficiary 3 to Surrogate:

Street Address of Beneficiary 3:

Beneficiary 3 City:

Beneficiary 3 State:

Beneficiary 3 Zip Code:

Today’s Date:

Digital Signature:

Application Form:

IDU TTD and AD Coverage Application

Applicant

External ID/SSN

First Name:

Middle Name:

Last Name:

Email:

Phone Number:

Title/Occupation:

Residence/Country:

Applicant Birth Date:

Month

Day

Year

Coverage Effective Date/Date of Fetal Heartbeat:

Month

Day

Year

Beneficiary Split if more than one Beneficiary:

Beneficiary Split (insert N/A if no split):

Surrogate Beneficiary 1:

Surrogate Named Beneficiary 1:

Relationship of Beneficiary 1 to Surrogate:

Street Address of Beneficiary 1:

Beneficiary 1 City:

Beneficiary 1 State:

Beneficiary 1 Zip Code:

Surrogate Beneficiary 2 (if applicable):

Surrogate Named Beneficiary 2:

Relationship of Beneficiary 2 to Surrogate:

Street Address of Beneficiary 2:

Beneficiary 2 City:

Beneficiary 2 State:

Beneficiary 2 Zip Code:

Surrogate Beneficiary 3 (if applicable):

Surrogate Named Beneficiary 3:

Relationship of Beneficiary 3 to Surrogate:

Street Address of Beneficiary 3:

Beneficiary 3 City:

Beneficiary 3 State:

Beneficiary 3 Zip Code:

Today’s Date:

Digital Signature:

Sage Question Mark V.2 | Sage International Family Association

Looking for another way to learn?

Our YouTube Channel offers numerous videos to help you learn about the information we discuss on our website.

Our YouTube

Contact

Quick links to our Searchable Database of Industry Professionals:

Sage Footer Buttons Egg Donation Agencies

Sage Footer Buttons Trust and Escrow Services

Legal Disclaimer: The participant understands that Association has no control or oversight over the services provided to the Participant by any vendors associated with the Association member benefits platform. Sage has secured these vendors as independent third parties, and Sage does not warrant or guarantee their services, nor does Association accept any liability for any damages possibly incurred by the Participant in working with any of the Association’s vendors.

*SURROGATE ELITE Not available in all states at this time.