Group AD&D

Group Accidental Death & Dismemberment (AD&D) is available as a standalone plan or an addon to group life or group health plan.

  • low cost
  • often add coverage for accidents while traveling for the employer
  • benefit = group term life (usually)
  • benefit = lump sum if life insured
    • dies from an accident
    • suffers qualifying multiple dismemberments
      • partial benefit for partial dismemberments
  • optional coverage available (employee-paid)
  • exclusions:
    • act of war
    • suicide
    • self-inflicted injury
    • military service
    • flying in a noncommercial aircraft
    • committing a crime
    • drunk driving
    • drugs or intoxicants
    • poisonous gas (even if accidental)

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