JHU Benefits Site - Life / Accident / Travel Insurance

Personal Accident Insurance (Death and Dismemberment)

Personal Accident Insurance provides a benefit to you and your insured family members if you die or are injured as the result of an accident in the course of business or pleasure. As a full-time benefits eligible faculty and staff member, you automatically receive Personal Accident Insurance coverage equal to $10,000 at no cost. Like life insurance, additional Personal Accident Insurance can be purchased for yourself and your eligible dependents. You may elect this additional coverage from $50,000 to $300,000, in increments of $50,000. If both you and your spouse/domestic partner are JHU employees, the total maximum payout you can receive for PAI is $300,000.

Personal Accident Insurance provides a benefit to you if an injury results in the loss of the following:

  • your life
  • a member (hand, foot, or eye)
  • speech, hearing or sight
  • thumb and index finger of same hand
  • quadriplegia, paraplegia or hemiplegia

Personal Accident Insurance coverage includes some "extra" benefits such as education benefits for your dependent children, and continued coverage at no cost if you become totally disabled.

Benefit amounts are based on the type of loss suffered and are expressed as a percentage of the principle sum you elect for yourself.