AD&D Insurance Overview

The accidental death & dismemberment (AD&D) insurance plan through Assurity Life Insurance provides benefits if you or a covered family member die or are dismembered (loss of eye, arm, leg, etc.) as a result of an accident.

There are eleven AD&D options, ranging in amounts up to $250,000. This coverage is in addition to the AD&D amounts provided with the life insurance plan. You may also elect family coverage, which includes coverage for your spouse at 50 percent of your coverage amount, and dependent child(ren) at 10 percent of your coverage amount. Premiums are withheld on a pre-tax basis.

Summary of AD&D Insurance Options

Issues to Consider

• This coverage is not a substitute for life insurance since it is only payable in the event of an accidental death or bodily dismemberment.
• Proof of insurability is not required to enroll or change your coverage.
• Coverage for you, your spouse and dependent children ends when you attain age 70.
• Coverage for a dependent child ends at age 19 or age 24 if a full-time student.
• If you and your spouse both work for the university, you may not cover your respective spouse for accidental death and dismemberment insurance. Each married spouse should purchase additional accidental death and dismemberment insurance to compensate for the coverage not available to your university spouse.
• Only one married spouse (when both work for the university) may cover dependent children.