How to designate beneficiaries at TMHCC

WorldTrips travel medical plans (Atlas Travel, Atlas Premium, Atlas MultiTrip, StudentSecure) pay the Accidental Death and Common Carrier Accidental Death benefits to the beneficiary named on the application.^{1, 2}

StudentSecure Budget and StudentSecure Smart carry no Accidental Death and Dismemberment benefit.²

Specialty Group Accidental Death & Dismemberment policies are placed through an agent or broker.³

WorldTrips defines the beneficiary as "the individual named in your application to be the recipient of any Accidental Death or Common Carrier Accidental Death benefit."^{1, 2}

The Atlas Journey policy defines the beneficiaries as "the person(s) designated by, and on file, with the plan administrator."⁴

When no beneficiary is named on a WorldTrips travel medical plan and the member is 18 or older, the benefit goes to the spouse (if any), then the children (if any) equally, then the member's estate.^{1, 2}

When no beneficiary is named on a WorldTrips travel medical plan and the member is under 18, the benefit goes to the custodial parent(s) (if any), then the siblings (if any) equally, then the member's estate.^{1, 2}

When no beneficiary is designated, the Atlas Journey policy pays the spouse, then the children jointly, then the parents jointly (or the surviving parent), then brothers and sisters jointly, then the insured's estate.⁴

Under the Atlas Journey policy, an insured over the age of majority may change the designation "by providing the plan administrator with a documented request for change (unless an irrevocable designation has been made by the Insured)."⁴