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Accidental Death & Dismemberment (AD & D) Insurance

Accidental Death and Dismemberment (AD&D) insurance ensures protection for an employee in the event of an accident that results in death or serious injury as opposed to a disease, suicide, or natural causes.

Most policies cover both loss and loss of use. Loss is defined as actual severance, where loss of use is irrecoverable and total.

AD&D coverage is typically based on a flat amount of coverage or as a multiple of salary. Usually the benefit matches the group Life Insurance benefit schedule. When paired with Life insurance the benefit pays in addition to the Life insurance benefits in the case of an accidental death.