Accidental Death & Dismemberment Insurance (AD&D)

Accidental death and dismemberment insurance (AD&D) provides a benefit if you die or are dismembered as the result of an accident. Any death benefits payable are in addition to any benefits payable under the life insurance program. The AD&D program is insured under MetLife.

Basic AD&D Insurance

The company provides basic AD&D insurance equal to two times your annual pay, up to a maximum benefit of $1,000,000. Partial benefits may be paid if you suffer certain losses as the result of an accident (for example, loss of sight or limb). Short-hour and term-of-project short-hour employees receive coverage of one times annual pay.

Supplemental AD&D Insurance

If you decide you need more than the basic amount of AD&D insurance, you can purchase additional coverage for yourself and/or your family:

For yourself, coverage in $10,000 increments up to a maximum of 10 times your annual pay or $500,000, whichever is less,

For your family:

  • 60% of the employee amount for your spouse (if there are no children insured),
  • 50% of the employee amount for your spouse and 10% for each child (maximum benefit of $30,000 for each child); or
  • 15% for each child (if there is no spouse insured). The maximum benefit is $30,000 for each child.

Considerations of selecting supplemental life and AD&D coverage –

  • How many people depend on your income? How much would they need if you die?
  • What other sources of income are available to your family?
  • If you have children, how much money do they need for support and education?
  • If you are single, are the company-provided benefits adequate?
  • Does your spouse coverage have life and AD&D coverage elsewhere?
  • What additional expenses would you have if a dependent died?