This packet contains forms necessary to apply for Accident Benefits. Every space on these forms should be filled in to avoid delay in processing your application. If a section does not apply, or information is not available, write "NA" in the space so we know you did not overlook that particular question. If a form is received incomplete, it may be returned for completion. For specific information about your Accident insurance coverage, refer to your group insurance certificate. The group policy and certificate are the ultimate authority for Accident Benefit claim decisions.