Employee AD&D Insurance

Employee accidental death and dismemberment (AD&D) insurance will pay the full amount of your coverage to your beneficiary if you die as a result of an accident. You'll receive a portion of the benefit if you sustain certain injuries, such as the loss of a limb.

You can enroll for coverage in $10,000 increments up to 10 times your Eligible Compensation (rounded up to the next $10,000) to a maximum of $3 million.

Employee AD&D Insurance Limit Due to Age

When you are age 75 or older, but less than age 80, your amount of Employee AD&D Insurance will be reduced to a maximum amount of $200,000.

When you are age 80 or older, your amount of insurance will be further reduced to a maximum amount of $100,000.

If you reach age 75 or 80 while insured, this limit will not apply until the January 1 following the date you reach that age.