Accidental Death and Dismemberment (AD&D)
AD&D covers accidental death and certain disabling injuries from accidents occurring on or off the job, anywhere in the world, 24 hours a day.
Coverage may also be extended to dependents. For members and dependents, acceptance is guaranteed and no medical exam is required.
What is covered?
- AD&D pays a death benefit for death by accident, over and above life insurance you already have.
- It also pays benefits for accidental loss of limbs, speech, hearing and sight.1
- Benefit enhancements can be added to cover paralysis or other injuries.1
- Benefits can also be added to help pay for education and day-care coverage, home and vehicle modifications for accessibility, and other options.1
- Living Benefits Option pays a portion of the death benefit while living, if terminally ill.
1 Ask about the specific coverage packages that can be included. After an accident, AD&D provides benefits for any of the specified disabling injuries that may result over the next 365 days.