Accidental death & dismemberment insurance

Accidents happen all the time and can occur anywhere. You can’t always prevent them, but you can make sure you have the protection you need. Accidental death and dismemberment (AD&D) insurance is one way you can ensure that you are financially protected if you suffer from an accidental injury or death.


What is AD&D insurance?

AD&D insurance pays you or your beneficiary benefits if you suffer an injury or death as the result of a covered accidental injury. Depending on your plan, you may be able to sign up for an amount based on your salary (for example, two times your salary) or choose a set dollar amount.

How does it work?

If you suffer a covered accidental injury or death, your AD&D insurance will provide you or your beneficiary with a payment based on your coverage amount.

Examples of an accidental injury are speech, hearing, or sight loss; quadriplegia; loss of limb; and thumb and index finger loss. The following list shows potential benefit amounts for these accidental injuries assuming you have $10,000 of coverage:

Accidental injury

The plan pays

Your potential benefit

Speech and hearing

100%

$10,000

Quadriplegia

100%

$10,000

Paraplegia

 75%

$7,500

Loss of sight in one eye

 50%

$5,000

Speech only

 50%

$5,000

Hearing only

 50%

$5,000

Loss of limb (arm or leg)

 50%

$5,000

Thumb and index finger

 25%

$2,500

The maximum amount payable for losses resulting from any one accident is 100%. In the event that a covered accident results in your death, your beneficiary will receive 100% of your AD&D coverage amount.

You can’t predict the future, but you can plan for it with AD&D insurance so you and your finances are protected in the event of an accident or death.

SLPC 24560 09/14 (exp. 09/16)

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