Accidental Death and Dismemberment Insurance (AD&D)

Accidental Death and Dismemberment Insurance (AD&D)

Accidental Death and Dismemberment 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 basic AD&D Insurance coverage equal to $10,000 at no cost. Like life insurance, additional AD&D Insurance can be purchased for yourself and your eligible dependents. You may elect additional coverage amounts of 1 to 8 times your salary up to a maximum plan election of $3,000,000 when combined with basic AD&D.

Accidental Death and Dismemberment Insurance provides a benefit to you if an injury results in the loss of the following:

  • your life
  • a member (hand or foot)
  • speech, hearing or sight
  • thumb and index finger of same hand
  • all four fingers on one hand
  • quadriplegia, paraplegia, hemiplegia or uniplegia

The amount of benefit you receive depends on the extent of the loss as shown in this chart.

If you choose family coverage, in the event of a loss, the coverage amount paid for you, your spouse or domestic partner, and for each eligible child, is based on the composition of your family at that time. This is expressed as a percentage of the elected amount, as shown in the following table:

Family Composition Your Coverage Spouse's or Domestic Partner's Coverage Coverage per Child
 
You, your spouse or domestic partner and children. 100% of your elected amount. 50% of your elected amount.* 20% of your elected amount.*
You and your spouse or domestic partner only. 100% of your elected amount. 60% of your elected amount.* N/A
You and your children only. 100% of your elected amount. N/A 20% of your elected amount.

*The maximum benefit per spouse/domestic partner is $250,000. The maximum benefit per child is $50,000.