Accidental Death & Dismemberment

Accidents can have life-altering consequences. Accidental Death and Dismemberment (AD&D) insurance provides an added layer of financial protection if an employee suffers a severe accident resulting in death or a covered loss, as outlined in the plan’s loss schedule.

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Why AD&D Matters

Providing AD&D coverage shows your commitment to employee safety and family protection. This benefit helps

  • Provide meaningful support during unexpected events
  • Reduce financial stress for employees and their families
  • Enhance recruitment and retention by demonstrating employer responsibility

To explore options or tailor a plan for your team, please contact us.

What AD&D Coverage Includes

  • Financial protection for accidental death or serious injury, including loss of limbs, sight, hearing, or other covered losses
  • Coverage level typically matched to Basic Life Insurance for simplicity and consistency
  • Benefits paid in addition to Basic Life Insurance if an accident results in death, providing enhanced financial support for families
  • Coverage up to age 70 or earlier retirement