AD&D Insurance

Accidental Death and Dismemberment insurance provides protection to you and your employees in the case of a severe accident. This added form of protection, if ever needed, is available at the same coverage level as the Life Insurance benefit.

For example, if an employee loses his/her life through a car accident, the payout would be their life insurance as well as the 100% payable benefit through accidental death and dismemberment insurance.

Examples of how losses are covered, in the case of an accident are below

Loss of: Benefit Payable
Loss of life 100%
Loss of or loss of use of both hands or both feet 100%
Loss of or loss of use of one hand and one foot 100%
Loss of the entire sight of both eyes 100%
Loss of speech and hearing 100%
Loss of or loss of use of one arm or one leg 75%
Loss of or loss of use of one hand or one foot 66 2/3%
Loss of the entire sight of one eye 66 2/3%
Loss of speech or hearing in both ears 50%
Loss of thumb and index finger on the same hand 33 1/3%