This is a MU member benefit providing valuable cover in the event of an accident that results in disability.
All paying members of the Musicians' Union resident in the UK under 80 year of age are insured against disability following an accident, through the RSA.
Please note that reduced benefits apply to those under 18 years of age.
This policy covers MU members against accidental injury which arises at any time other than whilst undertaking a non-Musicians' Union-related occupation. A Musicians' Union Occupation is defined as the 'composition, creation or performance of music or the tuition thereof'.
The first 14 days are excluded under the temporary disability section of the policy.
Yes. The policy covers incidents occurring worldwide, provided that you are resident in the UK.
The policy pays the following benefits in the event of an 'accident' covered by the policy:
The policy also provides certain benefits for medical expenses, coma benefit, disability assistance, hospitalisation and funeral expenses following an accident covered by the policy. 'Accident' means a sudden, unexpected, unusual, specific incident.
The maximum payable in respect of temporary total disablement shall not exceed £6,500 for any member during any continuous 36-month period.
If you haven't worked in a Musicians' Union Occupation within two weeks of the time of an accident, the weekly £125 benefit will only be payable if the disability is sufficient to prevent you from undertaking any occupation.
If you do not earn your living from a Musicians' Union Occupation then, in the event of permanent disability following an accident, the percentages shown in the Policy Wording document will be payable.
The maximum payable under the temporary total disability benefit is £25 per week and the maximum, in the event of loss of life following an accident, is £2,000. The other benefits are the same.
Yes. You must notify Hencilla Canworth of any potential claim as soon as possible but, in any event, within three months of an accident. You must take reasonable care. You must notify Hencilla Canworth if you intend to travel to an area of unrest.
In the event that you need to make a claim, contact Hencilla Canworth as soon as possible. Call 020 8686 5050 or email firstname.lastname@example.org.
Please be aware that late notification can lead to claims being repudiated.