Accidental Death and Dismemberment

Accidental death and dismemberment (AD&D) pays a benefit in the event of a catastrophic loss due to an accidental injury or in the event of death due to an accident. If you lose your limb, your eyesight or hearing as a direct result of an accident, you will receive a benefit based on the severity of your loss.

If you have a spouse only…

Your spouse’s coverage is equal to 50% of your coverage amount

If you have a child(ren) only…

Each child’s coverage is equal to 15% of your coverage amount

If you have a spouse and child(ren)…

§ Your spouse’s coverage is equal to 40% of your coverage amount; and

§ Each child has coverage equal to 10% of your coverage amount

Your cost for AD&D insurance is deducted from the first two paychecks of each month on an after-tax basis and is based on the level of coverage you select.

The company provides basic coverage equal to your basic annual earnings, up to $1 million in coverage, at no cost to you. You can purchase additional AD&D coverage in $10,000 multiples up to $1 million, not to exceed 10 times your basic annual earnings. You may elect employee-only or family coverage. If you elect family coverage, your dependents’ coverage amount will be based on the coverage you elect for yourself.

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Questions about your employee benefits or other Human Resources issues? Contact the Workplace Solutions Center at (888) 471-2271.