American Express Amex Blue Cash EveryDay Card Benefits and Agreement

8/16/2019 American Express Amex Blue Cash EveryDay Card Benefits and Agreement

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a#e" and 8ee" Table

Ra#e"

.4

4

nn$a l @e!

cen#

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A$g$"# 201

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T!

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20

1 6

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#

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+.

T

hi" A@R &ill %a!( &i#h #he

m

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#

b

a"ed on #he @!ime

R

a#e.

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R &il l be

"% #$!

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A@R &ill %a!( &i#h #he ma!ke# ba"ed on

@!ime Ra#e.

fo!

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Thi" A@R &ill

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a!( & #h #he ma!ke

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ba"ed on

#

he @!ime Ra#e.

enal#( A@R and hen

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@

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o0 /ates and *ees Work

/s and )/s

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#he A@R !o$nded #o one #en#ho$"and#h of a pe!cen#age poin#.

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e add fee" #o a p$!cha"e balance, $nle"" &e #ell (o$ o#he!&i"e.

n

nu a l Membership

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i"

on #he Rates and Fees Table on page 1 of @a!#

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#he da#e e

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#he Co#ered @e!"on"' behalf in#en#ionall(

o!

f!a$d

occ$!

!

ed

5

.

#he da#e

@olic(

i"

cancelled

#he

d a

#e #he

Ba"

ic

dmembe!'" acco$n# cea"e" #o !ema in c$!!en# and

" #and i

ng5

#he da#e #he @

l

an

i"

no# a%ailable

h

e loca#ion &he!e #

h

e

Co#e

red @e!"on main#an"

e!

manen# Re" idence.

Compan( ha" #he !igh# #o cancel #he

@o l

ic( a#

#ime b( "ending

a

&!i##en no#ice a# lea"# da("

#o Y o

$

a# Yo$! la"# kno&n add!e"" The

i

ce

&i ll

incl$de #he !ea"on fo! cancella#ion

m >$mbe!"4

T

Al7?C

3/4TA-8D;C8DC 9/11

Re"

i

den#" of 7i"#!ic# of Col$mba-, TAl7?C

8o!

Re" id en

#" of >e& Yo!k-, T=@:TA:03

=a! in e @acific :n"$!ance $mbe!

TA: R7R1

CT

3/4.

Colo!ado4 8o!m>$mbe! AEREO101C?.

A l defni#ion", #e!m" and p !o% i"ion" hin #he

7

e

"c!

p#ion of

Co#

era elPo

ic%lCertifi

cate

of

:n"$!ance &he!e%e! appea!ing and deno#ng a

ma

!i

#a

l

!

e la# i

o

n "hip o

!

famil( !e la# i

o

n"

hi

p

a!i" ing

o$# of

ma!

!iage &ill i

ncl

$de pa!#e" #o

a ci#

$nion

e"#abli"hed

in

#he #a#e of Colo!ado acco!ding #o

Co lo!ado la& and

#

hei! fam

ili

e".

The #e!m" #

h

a# mean o!

!ef

e

!

#o

fam l

(

!e l

a#ion"

h

ip"

a!"ing f!om a ma!!iage, "$ch a" famil( , immedia#e

famil( , dependen# , child!en , ne# of

k

i

n ,

!e

la#i%e beneficia!( "$!%i%o! and an( o#he! "$ch

#e!m" incl$de

fam

l(

!ela#

on"h ip" c!ea#ed b( a

c # i

$nion e"#abi" hed acco!dng #o Colo!ado la&

7ela&a!e, :daho,

Li!ginia,

7C, 9a&aii and

=a""ach$"e##"4 8o!m >$mbe!" TA:R7R1=$l#i

)9/1)( TA: R7R1

7C 011,

TA :

R7R19:

4/1

and

TA:R7R1=A

11/1)

The

def in

i

#

i

on of Co%e!ed

@e!"on f!om #he

7E8 :

>:T:?> "ec#ion i" !eplaced

&i#h #he fo llo&ing

Co%e!ed @e!"on mea n " #he Ba"ic Ca!dmembe!

each Addi#ional Ca!d

membe!

and each of #he"e

Ca!dmembe!'" "po$"e" o

! 7ome"#

c @a!#ne!"

and depende

n

# ch ild!en $nde! 26(ea!" of age

dependen#

ch i ld !

en

inc l$de 4

(o$!

$nma!!

ed,

dependen#

ch

ild!en $nde! 26 (ea!" of age &

h

o !el(

on Yo$ fo! "$ppo!# and ma

i

n#enance, (o$!

$ n

ma!!ied

dependen# child!en 26

(e a !

" o! olde! &ho beca$"e

of a handicap cond i#ion #ha# occ$!!ed befo!e #h e

a##ainmen# of #he limi#ing age a

!

e incapable of

"elf

"$"#aning

em p l

o(men# and dependen# $pon Yo$

fo! life#ime ca!e and "$pe!%i"ion. Co%e!age&

ill

be

e#ended fo! a" long a" "$ch

ch

ild i" incapaci#a#ed,

$nma!!ied and dependen#.-

8lo!

ida4 8o!m >$mbe!

TA :

R7R18<

6/1.

The def in i#ion of Co%e!ed @e!"on i" he!eb( !emo%ed

f!om

#

he 7E8:>:T:?> "ec#ion in i#" en#!e#( and

!ep l

aced

& i

#h #he

follo&i

ng4

Co%e!ed @e!"on mean" #he Ba"ic Ca!dmembe

!

each Add#ional

Ca!dmembe!

and each of #he"e

Ca!d

me

mbe!

" "p o $

"e" o! 7ome"#ic @a!#ne!"

and depe

n

den#

ch

ild!en $nde! 26 (ea!" of age

dependen# child!en incl$de4 (o$!

$nma!!

ed,

dependen#

ch i

ld!en $nde! 26 (ea!" of age &ho

!e l

(

on Yo$ fo! "$ppo!# and main#enance, (o$! $nma!!ed

dependen# child!en 26 (ea!" o! o lde! &ho beca$"e

of a handicap condi#ion #ha# occ$!!ed

bef

o!e #he

a##a

i

n

men# of #

h

e l

im

i#ing age, a!e incapabe of "elf

"$"#aining emplo(men# and dependen# $pon Yo$

fo! life#ime ca!e and

"$pe!%i"ion

Co%e!age &ill be

e#ended fo

!

a" long a" "$ch

ch i

ld i" in

capac

#a#ed

$nma!!ed and dependen#.-. All Co#ered @e!"on"

m$"# !a#e

a

@e!manen# Re"idence &i#hn #h

e

0

ni#ed #a#e" of

Ame!

ca, #he

7i"#!

c# of Col$mba,

@$e!#o Rico o! #he

.

Li!g i

n

:"land"

A l

l o#he!

pe!"on" a!e no# Co%e!ed @e!"on" $nde! #he @olic(

7ependen# co%e!age &ill e#end #o #he end of #he

ca

lenda! (ea! &hen #he dependen# !eache" age 0

&hen4

1

The dependen#

i"

$nma!!ied and doe" no#

ha%e a dependen# of h i" o! he! o&n5 2.

:

"

a

!e"iden#

of

#h

i" "#a#e o! a f$ll#ime o! pa!#

#ime "#$den # 5 and

:" no# p!o%ided co%e!age a" a named

"$b"c!

ibe!,

in"$!ed, en!o

ll

ee

o! co#ered pe!"on $nde! an(

o#he! g!o$p

bl

anke#, o! f!anchi"e

hea l

#h in"$!ance

polic( o! in d i%id$al heal#h benefi#"

plan

o! i" no#

en#i#led #o benef#" $nde!

T

i#le ML::: of #he ocial

ec$!#( Ac#. . :f, p$!"$an# #o

#h

i" "ec#on, a

ch i

l

d

i"

p!o%ided co%e!age $nde! #he pa!en#'" po lic( af#e!

#

he

end of #he calenda! (ea!

in

&hich #he

c

h ild !eache"

age 2 and co%e!age fo! #he

ch

i ld

i"

"$b"e $en#(

#e!min a#ed

#

he

ch i

l

d

i" no# eligib

e

#o be co#ered

$nde! #he pa!en#'"

po l i

c( $nle"" #he child &a"

con#n$o$"l( co#ered b( o#he! c!edi#able co#era e

@age of H

&i#ho$# a gap

in

co%e!age of mo!e #han 6 da(

#he p$!po"e" of #hi" "$b"ec

#

ion, #

h

e

#e!

m

c!edi

co%e!age ha" #he "ame

mean

in g a" p!o%ided

8lo!ida :n"$!ance Code "

62.661

-

7ependen# child!en incl$de 1. >a#$!al adop#e

and

"#epch l

d!en of #he

i

n"$!ed

&h

o a!e

ch i

efl(

financall( dependen# on #he in"$!ed fo! "$ppo!

ma in #e

n

a

n

ce

5

2

An adop#ed ch il

d

o!

a

child in

c$"#od( of #he in

"$ !

ed

p

$ !"$an# #o an

in#e!

m

c

o

o!de! of adop#ion

#est

n

#empo!

a!( ca!e of #he

i

n

#he i

n

"$!ed !ega!de"" of &he#he! a f ina l o!d

g!an#

ng

adop#

on

i"

$ l#ima#el(

i""$ed

A l

!efe!ence" #o dependen#

ch

ild!en $nde! 2

(e a

!

" of age

#h!o$gho$

#

#he doc$men# a!e he!

changed #o dependen#

ch i

ld!en $nde! 26(ea!

age .

9a&ai 4

8o!m

>$mbe!TA:R7R1

9 : )4/1)

7ome"#c @a!#ne! mean" pe!"on" of #he "ame

oppo"i#e gende! &ho ha%e en#e!ed

i

n#o a !ecip

beneficia!( !ela#ion"h

p p

$ !"$an# #o 9a&ai i "#a#

:llinoi"4 8o!m >$mbe! TA :

R7R1 :

<

)3/)4

.

The

pa!ag!aph $nde! #he

E

cl$"ion" "ec#on

i"

he!e

!emo%ed in en#i!e#( and !eplaced h #he follo&

e & ll no# pa( fo! lo"" ca$"ed b( an( of #he

ecl$ded e%en#" de"c!ibed

be lo&

:T:?> "ec#ion i" !eplaced &i#h #he fo l lo

Co%e!ed @e!"on mean" #he

Ba"

ic Ca!dmemb

each Add #

i

onal Ca!dmembe!, and each of #

h

e"

Ca!dmembe!'" "po$"e" o!

7ome"#

c @a!#ne!"

and dependen# child!en $nde! 26 (ea!" of age

dependen#

ch i

ld!en incl$de4 (o$! dependen#

ch

$nde! 26 (ea!" of age, (o$! dependen#

ch

il d

!

en

(ea!" o! olde! &ho beca$"e of

a

hand icap cond

#ha# occ$!!ed befo!e #he a##ainmen# of #he

l

imi#i

age, a!e incapable of "elf"$"#aining

emp

o(me

and depende

n

#

$pon Yo$ fo! li fe#ime ca!e and

"$pe!%i"ion. Co%e!age &ill be

e#en

ded

f

o! a"

long a" "$ch child

i" incapac

#a#ed

$ nma

!

!ied a

dependen#.

- .

:

ndiana4 8o!m >$mbe! TAl :> >? )5/1)

Pan"a"

8o!m

>$

mbe!

TA :R7R1

P

)3/)4

:T:?> "ec#ion

i" !e p

laced

&

i#h #he

follo

Co%e!ed

@e!"o

n mean" #he Ba"ic Ca!dmemb

each Addi#ional

Ca!dmembe!

and each of #he"

Ca!d

memb

e!'"

"p o $

"e" and depe

n

den#

ch i l

d

!

en

$ n d e

!

26 (ea!" of age

depende

n #

ch i

ld!en

in c

l

$

(o$! dependen# child!en $nde! 26 (ea!" of age

&ho

!e l

( on Yo$ fo! "$ppo!# and main#enance,

dependen#

c

h i ld!en 26 (ea!" o!

o

lde! &ho beca

of

a

hand icap condi#ion #ha# occ$!!ed befo!e #h

a##ainmen# of #he

l imi#in g

age, a!e

incapab

e of

"$"#aining emplo(men# and dependen# $pon Y

fo! life#ime ca!e and "$pe!%i"ion. Co%e!age &il

e#e n

ded fo! a"

lo n

g a"

"$ ch ch

ild

i" i

ncapaci#a

and dependen#.-.

The

def

ni#ion of 7ome"#ic @a!#ne! i" he!eb(

!emo%ed f!om #he

7e fini#ion"

"ec#ion of #he

7e"c!ip#on of Co%e!age. Addi#ionall(

a

ll !efe!e

#o 7ome"#ic @a!#ne! a!e he!eb( re"o#ed f!om

7e"c!ip#ion of

Co%e!age

1


11/24

t

a8

8o!m >$mbe! TA:R7R1=> 3/4

:n

E

c

l$"ion" "ec#ion #he follo&ing !eplace" #he

l$"ion !ega!ding illegal ac#"4 :nJ$!( in &h ich

a

!ib$#o!( ca$"e &a" #he commi""ion of o! a##emp#

ommi# a

fe

lon( b( o! on behalf of #he Co%e!ed

on o! hi" beneficia!ie"

ada

8o!m >$mbe! TA:R7R1>L 3

/4 . :n

T

e!mina#ion and Cance

lla

#ion "ec#ion #he

ad %ance &!i##en no#ice i" !eplaced b(

a

60 da(

ance &!i##en no#ice.

+ampshire 8o!m >$mbe! TA :

R7R1

1

0

:n #he "ec#ion !ela#ing #o Exclusions

i

on S

i"

dele#ed

in i# "

en#i!e#( and !eplaced

#he

follo&

i

ng

4

:llne"", #!ea#men# o! medical

i#ion a!i"ing o$# of pa!# ic ip

a

#ion in a felon( b(

beh a

lf of #he Co%e!ed @e!"on

an d l

o!

h i" l

beneficia!ie"

5 .

The defini#ion of

En t re *are i"

re"o#ed f!om #he )E*34 3T3-4S "ec#ion in i#"

!e#( and

!

e

placed

&i#h #he follo

&i

ng4

e

mean" #he co"# of #he f$ll fa!e fo! a Co%e!ed

on a Common Ca!

!

ie! Con%e(ance #ha# i"

ged #o #he

Ba" i

c o! Addi#ional Ca!dmembe!'"

ca n Ep !

e"" Ca!d and pa(able in f$ll in

dolla!" o! combined &i #h Ame

!

ican

E

p!e""

Re&a!d") @oin#" o! &i#h 8!e $en# 8l(e!

. . A l !e fe !e nce "

#o

En # i !

e

8

a!e

#h !o$g

h

o

$#

doc$men# a!e he!eb( changed #o 8a!e A ne&

i" added af#e! #he "ec#ion !ela#ing #o 4otice

la ms DClaim *orms

hen e

!ece i

%e no#ice

e &

ill

f$!ni"h #he claim

a

n# &i#h fo!m"

filing p!oof of lo""

:

f #he claiman# doe" no# ge#

fo!m" &i#hin 1

d a("

p!oof of lo"" can be filed

$# #hem. The claiman# m$"# "end " a le##e!

ch d e"

c!ibe

" #he ?cc$!!en

c

e #he cha!a

c

#e! and

e

#en# of #he lo"" fo! &hich #he claim i" made.

6ork8

8o!m >$mbe! TA:R7R2>Y 6

/

1 1

def in

i

#ion of Covered

e

r

s

on f!om #he

"e c#ion i" !ep lac

ed

&i#h #he follo&in

g

4

red erson

mean" #he Ba"ic Ca!dmembe!

h Addi#ional Ca!dmembe! and each of #he"e

'" "po$"e" o! 7ome"#ic @a!#ne!" and

enden# child!en

"e incl$de" #he pe!"on #o &hom (o$ a!e

incl$ding (o$! "ame "e pa!#ne! in (o $ !

age

#h a

# &a"

l

e

ga

ll(

pe! fo

!med in a

no#he

!

c

#

i

on

den# child!en incl$de"4 1. nma !!ied,

ch i

ld!en $ n de! age 23 &ho !e l( on

#

he

!ed fo! "$ p

po

!# and main#e nance5 2. nma

!!

ied

enden# ch i l

d

!

e

n 23 (e a!" o! ol de! &h

o

b

e

ca$"e

handicap condi#ion o! di"abili#( #ha#

occ$!!

e

d

#he a##ainmen# of #he lim i

#in

g age,

a!

e

able of "elf"$"#aining emplo(men# and

a

!e

$p o

n a

pa

!en# o! o

#

he!

c

a!e

p!o%

de!

life#ime

ca !

e and "$pe

!%

i" ion

Co

#era e &

ill

be

fo ! a" long a"

"$ c

h

c

h il

d

i" in

c

apaci#a#e d

a!!ied and dependen#. .

>a#$!al

a

dop #

ed

"#epchild!en of #he in"$!ed &ho a!e chiefl(

d

ep

en d e

n

# on #he in"$!ed fo! "$ppo!#

ma

in#enance

and . An adop#ed

c

h

i

ld o! a

d

in

#h

e c$"#od( of

#h

e i

n

"$!ed p$!"$an# #o an

m co$!# o!de! of adop#ion %e"#ing #empo!a!(

of #he

ch i l

d in

#h

e in

"$!ed !ega!d l

e"" of

#he!

a

f nal

o!

de! g!an#ing ad op #ion

i" $

l#ima#el(

ed Th e de f in i #ion of )omestic ar tn

e

r f!om

)E*343T3-4S "e c #

ion

i"

!eplaced &i#h #he

D

)om estic artner

mean" pe!"on" o f

"ame o! oppo

"

i#e gend e

!

&ho can p!o%ide "

p!oof of #he dome"#ic pa!#ne!"hip and financial

i

n #he fo

!

m of4 A. Regi"#!a#ion

a dome"#ic pa!#

n

e

!

"hip

i

ndica#ing #ha# nei #he!

d$al ha" bee

n !e

gi"#e!ed a" a membe! of

#he! dome"#ic pa!#ne!"hip &i#hin #he la

"

#

"i

n#h", &he!e "$ch !egi"#!(

e

i" #"

o

! B

8o!

" !e "

iding &he!e

!e

g

i"#!

a# ion doe" no#

e i" #

an al#e!n

a

#

i

%e affida%i# of dome"#ic pa!#ne!"hip

a"

follo&" 1 Th

e affida%i#

m$"

# be no#a!iKed and

m$"# con#ain #he follo&ing4 a. The pa!#ne!" a!e bo#h

eigh#een

(e

a!" of age o! olde! and a!e

men

#all(

compe#en# #o con"en# #o con#!ac

#.

b The pa!#ne!"

a!e no# !ela#ed b(

bl

ood in

a

manne! #ha# &o$ld ba!

ma!!iage $nde! la&" of #he #a#e of >e& Y o

!

k c. The

pa!#ne!" !a#e been li%ing #oge#he! on a con#in$o$"

ba" i

"

p ! i

o! #o

#h

e

d

a#e of

#h

e

applica#on 5

and

2

@!oof of cohabi#a#ion e g

a d!i%e!'" licen"e

#a

!e#$!n o! o#he! "$fficien# p!oof- and

@!oof #ha# #he

pa!#ne!" a!e financiall(

i

n#e!dependen#. T&o o! mo!e

of #he follo&ing a

!e

collec#i%el( "$fficien# #o e"#abli"h

fnancial in#e!dependence a A Join# bank acco$n# b.

A Join# c!edi# ca!d

o

! cha!ge ca!d5

c

;oin#

obliga#

on

o n a

loan

5 d #a#$" a" an a$#ho!iKed "igna#o!( on

#h

e pa!#ne!'" bank acco$n#, c!edi# ca

!d

o! cha!ge

ca!d5 e

;oin#

o&

ne!"hip of holding" o! in%e"#men#"5

f. ;o

i

n# o&ne!"hip of !e"idence g.

;oin

# o&ne!"hip

of !eal

e"

#a#e o#he! #

h

an

!

e"idence

h

$mbe!

TA:R7R 1 >C

-k l

a

homa8 8o

!

m >$mbe !

TA:R7R10

P 3 /

4

#he

E

cl$"ion" "ec#ion #he follo&ing

!

ep lace"

#h

e

cl$"ion !ega!ding&a!4 &a! o! ac# of &a!, dec

o! $ndecla!ed &hile "e!%ing

in

#he

mili#a

!( "e!%

an( a$

ili

a

!( $n i#

a

##ach ed #he!e#o

.enns lvania 8o

!m

>

$m

be

!

TA

:R7R10

12 @

A

The

)escription of Coverage

"ec#ion

i" re"o#

and !eplaced

&

i#h #he

follo&

in g

4

8o!A

c

ciden#

a

l

7e

a

#h

#

he Com

p

an( &ill pa(

#h

e

applicabl

e benefi#

am o$

n# a" de#e

!min

e

d f!

om

#he Table of

<

o""e" fo! #he benefi#" li"#ed

belo

&

if

a

Co#ered

@e!"

on "

$

ffe!"

a

lo"" f!om an

:n

J$!

&h

i

le

c

o%e!age i" in

f

o!ce $

n

de!

#h

e @

o lic (

8o!

7i"membe!men# #he

Co

m

pan

( &

ill

pa(

#h

e

a

pp

benefi# amo$n# a" de#e!mine

d

f!om #he Table o

$

mbe ! TA:7?

C

@R

@ le

a

!

efe! #o

#h

e f$ll

po lic

(

#

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American Express Amex Blue Cash EveryDay Card Benefits and Agreement

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Transcript of American Express Amex Blue Cash EveryDay Card Benefits and Agreement