Frequently Asked Questions - Employee Accidental Death and Dismemberment Insurance

You may elect an Accidental Death and Dismemberment (AD&D) policy in amounts of up to five times your annual earnings, rounded to the nearest $1,000, up to a ceiling of $500,000. This coverage is referred to as the Principal Sum. If you suffer a Loss due to Accidental Injury while insured for AD&D, we will pay the benefit to your named Beneficiary.

The AD&D benefit is a percentage of the Principal Sum based on the type of Loss as shown below:

Accidental Loss Of Percentage of Principal Sum
Life 100%
Both hands or both feet or sight of both eyes 100%
One hand and one foot 100%
Either hand or foot and sight of one eye 100%
One hand or one foot 50%
Sight of one eye 50%
Speech and hearing 100%
Paraplegia, quadriplegia, or hemiplegia 100%
Maximum any one accident 100%

The Loss must occur within 365 days of the accident.

Yes, employees pay towards the cost of the insurance premium.

Yes. This Policy includes a Seat Belt Benefit of an additional 10% of the AD&D benefit otherwise payable not exceeding $10,000, for those covered Losses resulting from automobile accidents while wearing a seat belt, subject to certain terms and conditions as described in your Insurance Certificate.

This Policy also provides for an Education Benefit of an additional 5% of the AD&D benefit otherwise payable, to be paid to a Qualified Student, defined as a spouse or child who at the time of your death was a full-time post high school student in a school of higher learning.

Like your Life Insurance policy, this policy is portable in most states. Similarly, the new policy will be governed by the terms of the Group Life Portability Policy, at the rates then in force. This AD&D coverage is not available for conversion to an individual policy

Yes.  You may elect optional coverage of 10%, 20%, 30%, 40% or 50% of the supplemental coverage you elected, rounded to the nearest $1,000, to a ceiling of $250,000.

The benefits follow the same schedule as your own AD&D policy, and also include the Seat Belt benefit. The spousal AD&D policy benefits do not include the Education Benefit, and all benefits will be paid to you, rather than any other named beneficiary. Unlike your own AD&D policy, the spousal coverage is not portable.

Loss is defined as:

  1. Loss of a hand means total severance at or above the wrist;
  2. Loss of a foot means total severance at or above the ankle joint;
  3. Loss of sight, speech, or hearing means the entire and irrevocable loss of the function;
  4. Loss of thumb and index finger means total severance of each at or above the joint closest to the wrist, without loss of the entire hand;
  5. Loss of use of hands or feet means total and irrevocable loss of voluntary movement;
  6. Total paralysis of both arms and legs for quadriplegia;
  7. Total paralysis of both legs for paraplegia;
  8. Total paralysis of the arm and leg on the same side of the body for hemiplegia.

Benefits are not paid for Losses caused directly or indirectly, wholly or partly by:

  1. Physical or mental disease, pregnancy, hernia, or ptomaine;
  2. Medical or surgical treatment, except surgical treatment required by the accident and performed within 90 days of the accident;
  3. Infections, except those occurring through a wound at the time of the accident;
  4. Suicide or intentionally self-inflicted injury, whether sane or not;
  5. War or act of war, declared or not, civil or international;
  6. Injury while riding in any aircraft not licensed to carry passengers or not operated by a duly licensed pilot;
  7. Injury while acting as a pilot, student pilot, crew member, flight instructor, or examiner on any aircraft;
  8. Committing, or attempting to commit, an assault, felony or any criminal offense, or active participation in a riot;
  9. Voluntary use of any controlled substance as defined by statute, unless used as directed by a physician;
  10. Operation by the insured of a automobile or boat if at the time of injury, the insured’s blood alcohol concentration exceeded the legal limit; or
  11. Overdose of any medication if not taken as prescribed by a physician.