Coverage from the CARP Accidental Death & Dismemberment Insurance Plan is available at no cost to CARP members upon request. There's no catch. All you have to do is call and enroll. Optional coverage is also available at preferred pricing:

Accidental Death & Dismemberment: Select the amount of coverage that's right for you, up to $300,000. The premium for additional covered is $1.10 a month per $10,000 of coverage for individual coverage; or $1.60 a month per $10,000 for family coverage.

In-Hospital Indemnity Benefit: If in hospital over three days, receive $50 per day, to a maximum of 120 days. The premium for the In-Hospital Indemnity Benefit is $4.00 per month per insured person.

Fracture or Broken Bones Benefit: You can receive up to a maximum of $5,000 for injuries result from one accident. The premium for the Fracture or Broken Bones Benefit is $7.95 a month per insured person.