Accidental Death & Dismemberment
OVERVIEW
The Flexible Benefits Program lets you decide if you want accidental death and dismemberment (AD&D) insurance.
You may choose coverage equal to:
- one times your pay
- two times your pay
- three times your pay
- four times your pay
- five times your pay
- six times your pay
- seven times your pay
- The coverage maximum is $500,000.
In general for the AD&D insurance to be paid to you or your beneficiary, your death or injury must be the result of a covered accident. In case of permanent and total disability, you are eligible for AD&D benefits if your injury prevents you from working at any job for which you are qualified by education, training, or experience.
ENROLLING FOR COVERAGE
Your cost depends on how much AD&D insurance you choose. As with life insurance, your coverage will be based on your Benefit Salary as of October 1st or your date of hire, whichever is later. This amount is rounded to the next higher $1,000, after you multiply your pay by your election. If you are age 75 or older, the value of your coverage is reduced.
The beneficiaries you name for life insurance are also your beneficiaries for AD&D insurance. If you are not enrolled in life insurance, you will elect your beneficiaries on-line by clicking on the Beneficiary Management link. You can change your beneficiaries anytime on-line.