Accidental Death & Dismemberment (AD&D) Insurance

No, the coverage is our gift to you as long as you have an account with us.

AD&D insurance has coverage levels to fit your budget, from $10,000 to $300,000. Spouses and unmarried children age 19 and under (under age 25 if full-time students) may be insured under the family plan. If the family plan is selected, spouses are insured for 50%, dependent children are each insured for 20%. Spousal coverage in households without dependent children is 60%.

You automatically receive five added benefits that are included with your insurance. 

1. Common Carrier Accidental Death: Provides payment for common carrier accidents. 
2. Education Expense Benefit: Provides payment of a benefit to each dependent child enrolled as a full-time student in an institution of higher learning. 
3. Anti-Inflation: Provides protection of your Principal Sum value against inflation. 
4. Dependent Child Care: Provides reimbursement of incurred child-care expenses if the insured dies from a covered accident. 
5. Accidental Hospital Indemnity: Provides payment for each day the insured is hospitalized. Accidental Hospital Indemnity is not available in New York or Washington. In New York, the fifth benefit is Total and Permanent Accidental Disability. In Washington, the fifth benefit is Adaptive Home and Vehicle.

The effective date will be reflected on the Insurance Coverage Document.

Processing and issuance of the Insurance Coverage Document takes about 30 days.

Any additional premiums will be automatically debited from your account on a quarterly basis. These transactions will be reflected on your statement.

To maintain the privacy of the insured, information can only be provided if the primary insured is present to give consent.

Once the Plan Administrator receives the appropriate information and documentation, claims are processed within five days and then forwarded to the underwriter for benefit determination.