Accidental Death & Dismemberment Products for Employers

AD&D and its 24-hour accident coverage is sold two ways — as a supplement to Group Life, or as a stand-alone product. In both cases, it pays a death benefit for death by accident, or pays benefits for accidental disabling injuries covered by the policy.

AD&D when offered with Group Life

Coverage is available for employees and their spouses who have The Hartford's Group Life coverage.

For accidental death, AD&D pays a death benefit in addition to life insurance benefits. Why? Because accidental death can require unexpected emergency costs, travel costs, and other expenses for a family caught off-guard financially.

For injuries, AD&D pays benefits for accidental loss of limbs, thumb and index finger, speech, hearing, sight, and paralysis.¹

Enhancement packages let employers add more benefit features and coverage for more types of injuries.¹

AD&D when offered as a stand-alone product

When AD&D is offered independently of Group Life coverage, employers have a range of options from which to choose.

With these plans, employers can offer AD&D coverage to employees, their spouses and dependent children.

Competitive maximum benefit amounts are available, and death benefits are paid in addition to any life insurance benefits.

For injuries, AD&D pays benefits for accidental loss of limbs, thumb and index finger, speech, hearing, and sight. Additional options let employers select more features and coverage for more types of injuries.¹

How important is accident coverage?

• Accidents are the leading cause of death for people age 38 and under. ²
• Accidents are the 5th leading cause of death overall. ²
• 11 accidental deaths and 2300 disabling injuries occur every hour in the U.S. ³

¹Ask about the specific coverage packages that can be included in an AD&D policy. After an accident, AD&D provides benefits for any of the specified disabling injuries that may result over the next 365 days
²The National Safety Council, Accident Facts 1998
³The National Safety Council, Injury Facts 2000