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Human Resources

Optional Accidental Death & Dismemberment Insurance Print Email Text size

Accidental death and dismemberment insurance (AD&D) protects you and your family (depending on your election) in case of a death or loss of a bodily function due to a covered accident.

Employees may elect coverage for themselves or for themselves and their eligible dependents under the family plan.  For this plan, the term "eligible dependent" covers a spouse (under age 70) and children, including step, foster, and legally adopted children (until age 25, regardless of student status).

Employee coverage amounts are available from $10,000 to $500,000 (in multiples of $10,000).  The maximum available for employees earning less than $15,000 per year is $150,000.  If a coverage amount in excess of $150,000 is elected, that amount may not be more than 10 times the employee's base annual salary.


What You Pay (monthly)

Employee only

  $0.02 per $1,000 of coverage

Employee and family

 $0.04 per $1,000 of coverage

If you are age 70 or older at the time you sustain injuries in a covered accident, your benefit reduces to 45% of the elected benefit amount; at age 75, to 35%; at age 80, to 15%; at age 85, to 10%.  Coverage for your spouse or domestic partner ends once he or she reaches age 70.

Change of Beneficiary

Plan Documentation

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