Accidental Death & Dismemberment (AD&D)
AD&D Insurance acts as an added form of protection should a Plan Member suffer a severe accident causing death or a specific loss as identified in the insurerís Loss Schedule.
Coverage for AD&D Insurance is available to match the level of the Basic Life Insurance.
AD&D benefits are payable in addition to Life Insurance should an accident result in death (ďdouble indemnityĒ).
Examples of covered losses include:
Both hands or both feet
Sight of both eyes
One hand and one foot
One hand or one foot and sight of one eye
One arm or one leg
Sight of one eye
Thumb and index finger of one hand
Speech or hearing in both ears
Hearing in one ear
Use of both arms, both hands or both legs
Use of one arm or one leg
Use of one hand or one foot
After 365 days of continuous paralysis
Quadriplegia (Total paralysis of upper and lowers limbs)
Paraplegia (Total paralysis of both lower limbs)
Hemiplegia (Total paralysis of one side of body)
Optional Accidental Death & Dismemberment (AD&D) Insurance
Similar to Optional Life Insurance, Optional AD&D Insurance can be purchased by a Plan Member through payroll deduction. Optional AD&D provides another means to protect against the financial hardship caused by a severe accident.
Optional AD&D Insurance is available with the following features:
- Coverage can be purchased for the Plan Member, or as a family plan
- Under the family plan the spouse is insured for 50% of the Plan Memberís amount and each child is insured for 10%. If there are no children the spouse is insured for 60%. If there is no spouse each child is insured for 15% of the Plan Memberís amount
- Coverage is available in units of $25,000 up to a maximum of $250,000
- There are no minimum participation requirements
- Evidence of insurability is not required
- Coverage terminates at age70, or retirement
Optional Accidental Death & Dismemberment (AD&D) Insurance Rates
A flat, competitive rate for optional AD&D Insurance is available to all member groups.
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Last updated on: Tuesday, December 16, 2008 Page:
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