Frequently Asked Questions

• What is AD&D Insurance?
• Can I cover other family members besides myself?
• Do I need AD&D Insurance?
• How does our plan define accidental and dismemberment?
• What does AD&D cover?
• What situations does AD&D insurance not cover?
• How much does AD&D cost?
• How much coverage can I purchase for myself and my family?

What is AD&D Insurance?

AD&D (Accidental Death & Dismemberment) Insurance helps provide additional financial security for you and your family after a covered accidental death or serious injury.

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Can I cover other family members besides myself?

You may purchase single coverage for yourself or family coverage to cover your spouse, dependent child(ren) and yourself.

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Do I need AD&D Insurance?

AD&D Insurance is recommended for people who want to add additional inexpensive accident coverage to their existing life insurance coverage.

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How does our plan define accidental death and dismemberment?

This plan pays an "accidental death" benefit if an AD&D policy holder dies as the direct result of an accident. The plan pays "dismemberment" benefits if a policy holder loses a limb or eyesight as a direct result of an accident.

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What does AD&D cover?

AD&D covers in the event of a fatal accident or an accident that directly results in the loss of a limb or eyesight. Dismemberment coverage usually pays out half of the full benefit if a person loses one body part, such as a hand, foot, limb, or sight in one eye. If two body parts are lost, coverage usually pays out the full benefit.

AD&D insurance may also cover loss of speech or hearing, triplegia (the paralysis of three extremities), paraplegia (paralysis characterized by loss of movement or feeling in the lower half of the body), hemiplegia (paralysis of one half of the body), uniplegia (the complete and irreversible paralysis of one limb), and the loss of a thumb and index finger of the same hand.

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What situations does AD&D insurance not cover?

AD&D insurance policies do not pay out if a person dies during surgery, has a mental or physical illness, has a bacterial infection, or has a hernia. AD&D insurance policies do not pay out if a person dies because of a drug overdoes or if a policy holder hurts himself or herself intentionally. The policy would also not pay out if a death or accident is a result of war.

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How much does AD&D cost?

The monthly premium rate is:

$0.15 per $10,000 for single coverage
$0.30 per $10,000 for family coverage

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How much coverage can I purchase for myself and my family?

You may purchase single or family coverage in $10,000 increments up to 10 times your annual University salary, not to exceed $1 million.