Voluntary Accidental Death & Dismemberment Insurance provides a layer of valuable financial security for your family by helping replace your income in the event an unexpected accident results in death or disabling injuries.¹

Accidents always happen without warning and may result in loss of life or income. You may not be able to prevent them, but you can be prepared.

Once enrolled in this coverage, if you die or are injured as the result of a covered accident, a benefit is paid that you can use however you choose. It could be used to help pay the mortgage or for your children’s college.

You have the following options for this coverage. You must be enrolled to elect dependent (spouse/children) coverage:   

Coverage for you 

• Elect coverage between 1 and 5 times your annual base pay (up to $1,500,000). Your coverage amount will be rounded up to the next higher $10,000 after base pay multiple is selected.

Coverage for you + spouse/domestic partner only

• You can enroll your spouse/domestic partner for up to 60% of your coverage amount (up to $900,000).

Coverage for you + children only

• You can enroll your children for up to 20% of your coverage amount (up to $50,000)

Coverage for you + spouse/domestic partner and children

• You can enroll your spouse/domestic partner for up to 50% of your coverage amount (up to $750,000).
• And you can enroll your children for up to 15% of your coverage amount (up to $50,000).

Get peace of mind knowing this coverage is protecting you and your family wherever an accident may strike—while you’re at home, on vacation, at work, or anywhere in the US or its territories. 

Accidental injuries always occur without warning or time to plan. You can, however, help your family adjust to the sudden loss of your paycheck as a result of an accidental death or disabling injury.

In addition to paying a benefit for a covered accident, this coverage has multiple other features to take advantage of when you enroll:

Business Travel Assistance Services²

Utilize travel assistance services that provide immediate access to doctors, hospitals, pharmacies, and certain other services when faced with an emergency while traveling internationally or domestically more than 100 miles from home. Included in rates, insured through Travel Assistance.

Hospitalization

Provides a benefit equal to 1% of your coverage amount to a maximum of $2,500 per month, for confinements exceeding 5 days with a maximum duration of 12 months to help defray hospitalization costs resulting from an accident.

Common Disaster

Provides benefits if you or your spouse dies within one year of sustaining bodily injuries in the same accident. The spouse’s amount will be increased to equal that of your Schedule of Benefits.

Seat Belt and Airbag

If an insured person was wearing a properly fastened seat belt, the plan will pay an additional 10% of the coverage amount, subject to a minimum of $1,000 and a maximum of $25,000. Airbag benefits provide an additional benefit equal to 5% of the coverage amount shown in the Schedule of Benefits; however, the amount can't exceed $10,000.

Coma

A benefit of 1% of the coverage amount payable monthly, beginning on the seventh day of the coma and for the duration of the coma to a maximum of 60 months. The coma must begin within 30 days of the accidental injury and continue for seven consecutive days and must be directly and solely caused by accidental injury.

Day Care

In the event there is a death, children 12 years or younger get up to 3% of your principal amount, not to exceed $5,000 per year, for up to four consecutive years.

Spouse/Domestic Partner and Dependent Child Education

Benefits equal to the lesser of the tuition charges or $10,000 per academic year for up to four consecutive academic years. The overall maximum is equal to 20% of the coverage amount. The eligible child must be enrolled as a full-time student in an accredited college, university or vocational school above 12th grade level at the date of the death of the insured person.

Brain Damage

Provides additional benefits equal to 100% of the employee coverage amount. Damage must manifest itself within 30 days of the accidental injury, require a hospitalization of at least five days and persists for 12 consecutive months after the date of the accidental injury.

Workplace Felonious Assault

Provides an additional benefit equal to 20% of the coverage amount, up to a maximum of $20,000 if you suffer a covered loss resulting from an accidental injury to yourself by a Felonious Assault. Felonious Assault must be committed at your place of business or while the you are engaged in your employer's business (not counting working at home or regular commuting).

Exposure and Disappearance

Provides amount equal to your coverage amount for the loss of a covered person's life if the loss of life results from unavoidable exposure to the elements; and after one year, your or dependent’s body has not been found after the conveyance in which you or dependent was traveling:

• Disappeared
• Made a forced landing
• Sank
• Was wrecked

These form(s) are in Adobe Acrobat Reader (PDF) format and are available for downloading and printing.

Enrollment Form

Beneficiary Change Form

Customer Service Request Form